Penalty Amount
$2,000,000
New Jersey Attorney General Jennifer Davenport announced a multistate settlement with NCL Bahamas, Ltd. (Norwegian Cruise Line) resolving allegations of deceptive sales practices and unfair cancellation, refund, and future cruise credit policies during the COVID-19 pandemic. The settlement requires NCL to pay $2 million to participating states, implement employee training and management approval processes for sales communications during disasters, and prohibits deceptive sales statements and prioritizing sales over consumer health and safety. NCL has already issued over $3 billion in refunds and future cruise credits to consumers nationwide related to the underlying allegations.
NCL must pay $2,000,000 total to the multistate coalition (including $138,999.64 to New Jersey). NCL is permanently enjoined from making deceptive or unsubstantiated sales statements, and from prioritizing sales incentives over consumer health and safety during declared disasters. NCL must implement mandatory training for consumer-facing employees on proper sales communications, and designate senior management to pre-approve all sales communications during future disaster declarations. These remedies are in addition to over $3 billion in refunds and future cruise credits already issued to consumers by NCL related to the allegations.
In-house legal teams should review customer-facing cruise booking agreements and terms of service to ensure cancellation, refund, and future cruise credit policies are clear, non-deceptive, and compliant with consumer protection standards. Vendor agreements with marketing, sales, or travel partners must include prohibitions on deceptive or unsubstantiated sales statements, and require senior management pre-approval of all sales communications during disaster declarations. Employee contracts and training materials should be updated to mandate sales communication compliance training, and internal policies should designate clear approval workflows for sales materials during public health emergencies or disaster declarations. Force majeure and disaster response clauses should be reviewed to ensure they do not prioritize corporate sales incentives over consumer health and safety.
Entity
NCL Bahamas, Ltd.
Industry
OtherOfficial Press Release
https://www.njoag.gov/attorney-general-davenport-announces-multistate-settlement-with-norwegian-cruise-line/
2026 0413 New Jersey Agreement and Appendix A executed 4.06.
http://www.njoag.gov/wp-content/uploads/2026/04/2026-0413_New-Jersey-Agreement-and-Appendix-A-executed-4.06.26.pdf
New Jersey Attorney General Enforcement Page
https://www.njoag.gov/about/divisions-and-offices/division-of-consumer-affairs/
"announced a settlement with Norwegian Cruise Line, specifically NCL Bahamas, Ltd."
"NCL is required to pay $2,000,000 to the states, including $138,999.64 to New Jersey."
"multistate investigation of NCL’s sales practices and cancellations procedures during the COVID-19 pandemic."
"allegations that NCL made misleading and false statements to consumers during the COVID-19 pandemic."
"Consumers expressed that they received confusing and conflicting information about cruise bookings and cancellations, and they reported that NCL implemented unfair policies regarding future cruise credits and refunds associated with cruises cancelled as a result of the COVID-19 pandemic."
"Joining Attorney General Davenport in the settlement are the attorneys general of Connecticut, Florida, Illinois, Louisiana, Minnesota, North Carolina, Nevada, Pennsylvania, Texas, Utah, and Wisconsin."
$100K
New Jersey Attorney General Jennifer Davenport and the Division of Consumer Affairs announced a Consent Order with King Distribution LLC and 17 related retail smoke shops, resolving allegations that the companies illegally sold flavored vapor products in violation of New Jersey’s consumer protection laws. The Consent Order imposes a $100,000 civil penalty, requires reimbursement of $22,279 in investigation costs, and prohibits the companies from selling or distributing flavored vapor products in New Jersey. The enforcement action is part of New Jersey’s ongoing efforts to protect youth from flavored vape products, which have been permanently banned in the state since January 2020.
The New Jersey Bureau of Securities issued a Cease and Desist Order on April 30, 2026, against Titan Macro Finance for operating an investment fraud scheme via WhatsApp and Instagram that defrauded at least one New Jersey investor of $64,000. The scheme involved unregistered broker-dealer activity, fake trading profits, and undisclosed fees to access investor funds. The action was coordinated with the California Department of Financial Protection and Innovation, which issued a similar order against the entity for violating California’s Commodity Code.
New Jersey Attorney General Jennifer Davenport and the Bureau of Securities issued a public warning to state residents about fraudulent investment schemes proliferating on Meta-owned platforms including Facebook, Instagram, and WhatsApp. The alert details common scam tactics such as pump-and-dump schemes, confidence scams, and fraudulent cryptocurrency offerings, and provides tips for residents to avoid victimization. No enforcement action against any entity was announced in this release.
New Jersey Attorney General Jennifer Davenport led a bipartisan coalition of 27 state attorneys general in submitting a comment letter to the Federal Trade Commission urging federal rulemaking to regulate hidden and deceptive rental housing fees. The AG also issued guidance clarifying New Jersey’s new $50 rental application fee cap, effective May 1, 2026, warning that deceptive fee practices may violate the New Jersey Consumer Fraud Act. No specific enforcement action against a named individual entity was announced, with enforcement of the fee cap set to begin May 1, 2026.
Ibelis Gonzalez, a 46-year-old Jersey City resident, was indicted on charges including second-degree theft by deception, second-degree impersonation/theft of identity, and third-degree false government documents. She is alleged to have used fake identification to obtain debit cards in six victims' names, stealing approximately $86,840 from their bank accounts between May and June 2024. The case is being prosecuted by the New Jersey Division of Criminal Justice, with potential maximum fines of $150,000 for second-degree charges and $15,000 for third-degree charges.
New Jersey Attorney General Jennifer Davenport, joined by a bipartisan coalition of 12 other state attorneys general, filed a multistate lawsuit against OneMain Financial, Inc. for allegedly hiding junk fees for add-on loan products in dense fine print, pressuring borrowers to accept unwanted products, and violating state consumer protection laws. The coalition seeks consumer refunds, civil penalties, disgorgement of profits, and a court order halting the illegal practices, correcting credit reports, and dropping collection actions related to the add-ons.