New Jersey . Gov. James McGreevey is expected to sign an amendment to the state anti-predatory lending law, the Home Ownership Security Act, which would eliminate the “covered home loan” category from the statute. The bill also removes the “reasonable tangible net benefit” test, which requires lenders to show that a borrower taking out a high-cost mortgage or refinancing into a high-cost loan would benefit from the transaction. Further, the bill bars class