New Jersey. The New Jersey Department of Banking and Insurance issued further guidance, Bulletin 03-30, on the operation and enforcement of the state Home Ownership Security Act of 2003. The new anti-predatory lending measure became effective on Nov. 27. The latest guidance addresses issues concerning a safe harbor for assignees and purchasers, caps on assignee and purchaser damages, assignee/purchaser provisions for home improvement and manufactured home loans, extent of the state’s DBI authority, and