Legislation: batch C — MO MS MT NC ND NE NH NJ NM NV

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

legislation/us/states/nc/2019/sb-162.md

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+---
+type: "Bill"
+title: "Loan Origination/Late Payment Charge Changes."
+description: "Loan Origination/Late Payment Charge Changes."
+jurisdiction: "us/states/nc"
+legislature: "North Carolina General Assembly"
+session: "2019"
+identifier: "SB 162"
+citation: "North Carolina SB 162 (2019)"
+classification: ["bill"]
+subjects: ["BANKING COMN.", "BANKS", "FEES", "FINANCIAL INSTITUTIONS", "FINANCIAL SERVICES", "LOANS", "PRESENTED", "PUBLIC", "RATIFIED", "CHAPTERED", "COMMISSIONER OF BANKS"]
+status: "enacted"
+primary_sponsors: ["Krawiec", "Rabon"]
+version_count: 4
+action_count: 26
+vote_count: 2
+first_action: "2019-02-27"
+last_action: "2019-04-01"
+source: "openstates"
+source_identifier: "ocd-bill/9525ccdb-bd02-4e68-b7f0-d1d0bed2e602"
+source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2019&BillID=S162&votesToView=all"
+source_hash: "b1a6620fe869b6c8664d8707b2eb42795272b6e690bb538bd02732e3a53f94f5"
+vintage: "2026-07-01"
+source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
+retrieved_at: "2026-07-06"
+confidence: "reported"
+tags: ["legislation", "bill", "us-nc"]
+---
+
+# North Carolina SB 162 (2019) — Loan Origination/Late Payment Charge Changes.
+
+## Version chain
+
+The bill's text revisions, in order — the diff chain from filing to enrollment.
+
+1. **Filed** (filed) — [source](http://www.ncleg.net/Sessions/2019/Bills/Senate/PDF/S162v0.pdf)
+2. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2019/Bills/Senate/PDF/S162v1.pdf)
+3. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2019/Bills/Senate/PDF/S162v2.pdf)
+4. **SL 2019-10** (committee substitute) — [source](http://www.ncleg.net/Sessions/2019/Bills/Senate/PDF/S162v3.pdf)
+
+## Votes
+
+- Second Reading — **46–1** (pass) · upper
+- Second Reading — **102–7** (pass) · lower
+
+## Sponsors
+
+- Krawiec — primary (person)
+- Rabon — primary (person)
+- B. Jackson — cosponsor (person)
+- Britt — cosponsor (person)
+- D. Davis — cosponsor (person)
+- Gunn — cosponsor (person)
+- Hise — cosponsor (person)
+- Johnson — cosponsor (person)
+- Lowe — cosponsor (person)
+- McInnis — cosponsor (person)
+- Waddell — cosponsor (person)
+
+## Timeline
+
+The legislative action history — every referral, reading, and vote.
+
+- **2019-04-01** Ch. SL 2019-10 `became-law`
+- **2019-04-01** Signed by Gov. 4/1/2019 `executive-signature`
+- **2019-03-27** Pres. To Gov. 3/27/2019 `executive-receipt`
+- **2019-03-27** Ratified
+- **2019-03-27** Ordered Enrolled
+- **2019-03-27** Passed 3rd Reading `passage, reading-3`
+- **2019-03-27** Passed 2nd Reading `reading-2`
+- **2019-03-25** Placed On Cal For 03/27/2019
+- **2019-03-25** Cal Pursuant Rule 36(b)
+- **2019-03-25** Reptd Fav `committee-passage-favorable`
+- **2019-03-19** Re-ref Com On Rules, Calendar, and Operations of the House `referral-committee`
+- **2019-03-19** Reptd Fav `committee-passage-favorable`
+- **2019-03-18** Ref to the Com on Banking, if favorable, Rules, Calendar, and Operations of the House `referral-committee`
+- **2019-03-18** Passed 1st Reading `reading-1`
+- **2019-03-14** Regular Message Received From Senate
+- **2019-03-14** Regular Message Sent To House
+- **2019-03-13** Passed 3rd Reading `passage, reading-3`
+- **2019-03-13** Passed 2nd Reading `reading-2`
+- **2019-03-12** Reptd Fav `committee-passage-favorable`
+- **2019-03-07** Re-ref Com On Rules and Operations of the Senate `referral-committee`
+- **2019-03-07** Reptd Fav `committee-passage-favorable`
+- **2019-03-04** Re-ref to Commerce and Insurance. If fav, re-ref to Rules and Operations of the Senate `referral-committee`
+- **2019-03-04** Withdrawn From Com
+- **2019-02-28** Ref To Com On Rules and Operations of the Senate `referral-committee`
+- **2019-02-28** Passed 1st Reading `reading-1`
+- **2019-02-27** Filed `introduction`
+
+## Source
+
+OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/9525ccdb-bd02-4e68-b7f0-d1d0bed2e602`. Confidence: reported (aggregated from official North Carolina legislature records).
+