In a martial property State (NJ), what early/ preliminary disclosures are given the non-borrowing spouse for a HELOC and a Home Equity Term loan?

Are you asking based on State law or Regulation Z?

Regulation Z.

See the answer to your question that you posted in the general forums.

As a general rule, there is no reason to post a specific Federal regulatory question in a State specific forum as the number of visitors to the State forums are considerably less. The State forum should be addressing State specific requirements.

Also, we try to refrain from posting the same question in multiple places.

However, welcome to BOL and look forward to your further participation.