EASEMENTS; BEACH ACCESS — An individual’s claim that he or she has the right to use the foreshore of a beach for prolonged periods of rest is rooted in common law and is not actionable as a federal civil rights claim.

LOANS; CONSUMER FRAUD — Under appropriate circumstances, a mortgage lender who issues a loan commitment can be liable under the New Jersey Consumer Fraud Act because that Act generally protects consumers against unlawful business practices, including prospective borrower.

CONDEMNATION; OPEN SPACE — Once a municipality settles a condemnation case, thereby limiting its potential liability by stipulating to the value of the property, it has an obligation to pay the agreed-upon price even if the municipality does not appropriate funds to pay its settlement obligation.