---
type: "Bill"
title: "Enact Mortgage Lending Act."
description: "Enact Mortgage Lending Act."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2001"
identifier: "SB 904"
citation: "North Carolina SB 904 (2001)"
classification: ["bill"]
subjects: ["BANKING COMN.", "FINANCIAL INSTITUTIONS", "FINANCIAL SERVICES", "FISCAL NOTES", "LICENSING & CERTIFICATION", "LOANS", "MORTGAGES", "OCCUPATIONS", "PRESENTED", "PUBLIC", "RATIFIED", "TITLE CHANGE", "SEN. GULLEY", "CHAPTERED"]
status: "enacted"
primary_sponsors: []
version_count: 8
action_count: 25
vote_count: 2
first_action: "2001-04-04"
last_action: "2001-08-29"
source: "openstates"
source_identifier: "ocd-bill/2875a6f8-9190-49a0-aacf-a12ef59d6fee"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2001&BillID=S904&votesToView=all"
source_hash: "56f822f0f68f3f3fba5e22160ff05f86b5984e9fa2b922c197daa671834668de"
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 904 (2001) — Enact Mortgage Lending Act.

## 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/S904v1.pdf)
2. **Edition 2** (committee substitute) — [source](http://www.ncleg.net/Sessions/2001/Bills/Senate/PDF/S904v2.pdf)
3. **Edition 3** (committee substitute) — [source](http://www.ncleg.net/Sessions/2001/Bills/Senate/PDF/S904v3.pdf)
4. **Edition 4** (committee substitute) — [source](http://www.ncleg.net/Sessions/2001/Bills/Senate/PDF/S904v4.pdf)
5. **Edition 5** (committee substitute) — [source](http://www.ncleg.net/Sessions/2001/Bills/Senate/PDF/S904v5.pdf)
6. **Edition 6** (committee substitute) — [source](http://www.ncleg.net/Sessions/2001/Bills/Senate/PDF/S904v6.pdf)
7. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2001/Bills/Senate/PDF/S904v7.pdf)
8. **SL 2001-393** (committee substitute) — [source](http://www.ncleg.net/Sessions/2001/Bills/Senate/PDF/S904v8.pdf)

## Votes

- Second Reading\Motion 8\To Concur — **48–0** (pass) · upper
- Third Reading\Motion 8\To Concur — **46–0** (pass) · upper

## Sponsors

- Gulley — cosponsor (person)

## Timeline

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

- **2001-08-29** Ch. SL 2001-393 `became-law`
- **2001-08-29** Signed By Gov. 8/29/2001 `executive-signature`
- **2001-08-27** Pres. To Gov. 8/24/2001 `executive-receipt`
- **2001-08-23** Ratified
- **2001-08-22** Concurred On 3rd Reading
- **2001-08-21** Concurred On 2nd Reading
- **2001-08-20** Placed On Cal For 8/21/2001
- **2001-08-20** Rec To Concur H Com Sub
- **2001-08-16** Passed 3rd Reading `passage, reading-3`
- **2001-08-15** Passed 2nd Reading `reading-2`
- **2001-08-15** Amend Adopted #1 `amendment-passage`
- **2001-08-14** Placed On Cal For 8/15/2001
- **2001-08-13** Cal Pursuant Rule 36(b)
- **2001-08-13** Reptd Fav Com Substitute `committee-passage-favorable`
- **2001-07-31** Ref To Com On Finance `referral-committee`
- **2001-07-31** Rec From Senate
- **2001-07-26** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2001-07-26** Amend Adopted #1 `amendment-passage`
- **2001-07-25** Com Amend Adpt & Engross
- **2001-07-25** Reptd Fav As Amended `committee-passage-favorable`
- **2001-07-24** Re-ref Com On Finance `referral-committee`
- **2001-07-24** Com Substitute Adopted
- **2001-07-24** Reptd Fav Com Substitute `committee-passage-favorable`
- **2001-04-05** Ref to Judiciary I. If fav, re-ref to Finance `referral-committee`
- **2001-04-04** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/2875a6f8-9190-49a0-aacf-a12ef59d6fee`. Confidence: reported (aggregated from official North Carolina legislature records).