S&P Change Could Hurt Chances for Broad NJ Change New Jersey lawmakers appear ready to approve targeted amendments to the state’s controversial predatory lending law. But a rating agency criteria change may have taken the momentum out of an industry effort to force broader changes. As Inside B&C Lending went to press, a New Jersey Senate committee had approved, with amendments, S. 2795, a bill that would revise the state's Home Ownerhsip Security Act of