---
type: "Bill"
title: "Unsolicited Checks to Secure Loans."
description: "Unsolicited Checks to Secure Loans."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2001"
identifier: "SB 723"
citation: "North Carolina SB 723 (2001)"
classification: ["bill"]
subjects: ["COMMERCE", "CONSUMER PROTECTION", "FINANCIAL SERVICES", "LOANS", "NEGOTIABLE INSTRUMENTS", "PRESENTED", "PUBLIC", "RATIFIED", "SEN. BINGHAM", "CHAPTERED"]
status: "enacted"
primary_sponsors: []
version_count: 4
action_count: 18
vote_count: 2
first_action: "2001-03-28"
last_action: "2001-08-26"
source: "openstates"
source_identifier: "ocd-bill/6466ede5-87d5-4cd7-876d-426e85cba286"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2001&BillID=S723&votesToView=all"
source_hash: "7f3e4403afd2154d42a8dade6159ac7a36768847c50308c2b114ecf27b57c0a9"
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 723 (2001) — Unsolicited Checks to Secure Loans.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2001/Bills/Senate/PDF/S723v1.pdf)
2. **Edition 2** (committee substitute) — [source](http://www.ncleg.net/Sessions/2001/Bills/Senate/PDF/S723v2.pdf)
3. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2001/Bills/Senate/PDF/S723v3.pdf)
4. **SL 2001-391** (committee substitute) — [source](http://www.ncleg.net/Sessions/2001/Bills/Senate/PDF/S723v4.pdf)

## Votes

- SECOND READING — **112–0** (pass) · lower
- Motion 8\To Concur — **48–0** (pass) · upper

## Sponsors

- Albertson — cosponsor (person)
- Ballance — cosponsor (person)
- Bingham — cosponsor (person)
- Cunningham — cosponsor (person)
- Garwood — cosponsor (person)
- Hagan — cosponsor (person)
- Harris — cosponsor (person)
- Horton — cosponsor (person)
- Hoyle — cosponsor (person)
- Kinnaird — cosponsor (person)
- Metcalf — cosponsor (person)
- Rand — cosponsor (person)
- Reeves — cosponsor (person)
- Warren — cosponsor (person)
- Weinstein — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2001-08-26** Ch. SL 2001-391 `became-law`
- **2001-08-26** Signed By Gov. 8/26/2001 `executive-signature`
- **2001-08-16** Pres. To Gov. 8/16/2001 `executive-receipt`
- **2001-08-15** Ratified
- **2001-08-14** Concurred In H/com Sub `amendment-passage`
- **2001-08-13** Placed On Cal For 8/14/2001
- **2001-08-13** Rec To Concur H Com Sub
- **2001-08-08** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2001-08-06** Placed On Cal For 8/7/2001
- **2001-08-01** Cal Pursuant Rule 36(b)
- **2001-08-01** Reptd Fav Com Substitute `committee-passage-favorable`
- **2001-04-26** Ref To Com On Financial Institutions `referral-committee`
- **2001-04-26** Rec From Senate
- **2001-04-25** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2001-04-25** Amend Adopted #1 `amendment-passage`
- **2001-04-24** Reptd Fav `committee-passage-favorable`
- **2001-03-29** Ref To Com On Commerce `referral-committee`
- **2001-03-28** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/6466ede5-87d5-4cd7-876d-426e85cba286`. Confidence: reported (aggregated from official North Carolina legislature records).