---
type: "Bill"
title: "Expand Usury Exemption."
description: "Expand Usury Exemption."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2003"
identifier: "HB 1182"
citation: "North Carolina HB 1182 (2003)"
classification: ["bill"]
subjects: ["COMMERCE", "CONSUMER CREDIT", "CONSUMER PROTECTION", "DEATH & DYING", "DEBTOR & CREDITOR", "FINANCIAL INSTITUTIONS", "FINANCIAL SERVICES", "FINES & PENALTIES", "INTEREST", "LABOR DEPT.", "LOANS", "OSHA", "PRESENTED", "PUBLIC", "RATIFIED", "SAFETY", "TITLE CHANGE", "WORK SAFETY", "REP. GOODWIN", "CHAPTERED"]
status: "enacted"
primary_sponsors: []
version_count: 7
action_count: 25
vote_count: 2
first_action: "2003-04-09"
last_action: "2003-08-07"
source: "openstates"
source_identifier: "ocd-bill/26396437-0b2e-481b-a155-2eaf127ec9a5"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2003&BillID=H1182&votesToView=all"
source_hash: "0420699b2f8913d944fad7f7edd15d745152ac7340ca29979e3fa579d2a64d80"
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 HB 1182 (2003) — Expand Usury Exemption.

## 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/2003/Bills/House/PDF/H1182v0.pdf)
2. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2003/Bills/House/PDF/H1182v1.pdf)
3. **Edition 2** (committee substitute) — [source](http://www.ncleg.net/Sessions/2003/Bills/House/PDF/H1182v2.pdf)
4. **Edition 3** (committee substitute) — [source](http://www.ncleg.net/Sessions/2003/Bills/House/PDF/H1182v3.pdf)
5. **Edition 4** (committee substitute) — [source](http://www.ncleg.net/Sessions/2003/Bills/House/PDF/H1182v4.pdf)
6. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2003/Bills/House/PDF/H1182v5.pdf)
7. **SL 2003-401** (committee substitute) — [source](http://www.ncleg.net/Sessions/2003/Bills/House/PDF/H1182v6.pdf)

## Votes

- Second Reading — **40–0** (pass) · upper
- M11 Concur — **105–1** (pass) · lower

## Sponsors

- Goodwin — cosponsor (person)

## Timeline

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

- **2003-08-07** Ch. SL 2003-401 `became-law`
- **2003-08-07** Signed By Gov. 8/7/2003 `executive-signature`
- **2003-07-19** Pres. To Gov. 7/19/2003 `executive-receipt`
- **2003-07-19** Ratified
- **2003-07-19** Concurred In S/Com Sub `amendment-passage`
- **2003-07-18** Placed On Cal For 7/19/2003
- **2003-07-18** Cal Pursuant Rule 36(b)
- **2003-07-18** Reptd Fav To Concur `committee-passage-favorable`
- **2003-07-17** Ref To Com On Rules, Calendar, and Operations of the House `referral-committee`
- **2003-07-17** Rec To Concur S Com Sub
- **2003-07-17** Engrossed
- **2003-07-17** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2003-07-17** Amend Adopted # 1 `amendment-passage`
- **2003-07-16** Com Substitute Adopted
- **2003-07-16** Reptd Fav Com Substitute `committee-passage-favorable`
- **2003-06-03** Re-ref Com On Finance `referral-committee`
- **2003-06-03** Reptd Fav `committee-passage-favorable`
- **2003-05-05** Ref to Commerce. If fav, re-ref to Finance `referral-committee`
- **2003-05-05** Rec From House
- **2003-05-01** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2003-04-30** Placed On Cal For 5/1/2003
- **2003-04-30** Cal Pursuant Rule 36(b)
- **2003-04-30** Reptd Fav Com Substitute `committee-passage-favorable`
- **2003-04-10** Ref To Com On Occupational Safety and Health `referral-committee`
- **2003-04-09** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/26396437-0b2e-481b-a155-2eaf127ec9a5`. Confidence: reported (aggregated from official North Carolina legislature records).