---
type: "Bill"
title: "Prohibit Various Lending Subterfuges."
description: "Prohibit Various Lending Subterfuges."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2005"
identifier: "HB 2894"
citation: "North Carolina HB 2894 (2005)"
classification: ["bill"]
subjects: ["COMMERCE", "CONSUMER CREDIT", "CONSUMER PROTECTION", "FINANCIAL SERVICES", "INTEREST", "LOANS", "PRESENTED", "PUBLIC", "RATIFIED", "REP. HOWARD", "CHAPTERED"]
status: "enacted"
primary_sponsors: []
version_count: 5
action_count: 19
vote_count: 2
first_action: "2006-06-30"
last_action: "2006-08-13"
source: "openstates"
source_identifier: "ocd-bill/f65051fa-6c7e-407d-a30d-cb1b05c57fe2"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2005&BillID=H2894&votesToView=all"
source_hash: "b5f9a9c12d20fc05bcb9bfbec37f47d32f73fb013a68b68792ab689ffef91ddd"
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 2894 (2005) — Prohibit Various Lending Subterfuges.

## 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/2005/Bills/House/PDF/H2894v0.pdf)
2. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/House/PDF/H2894v1.pdf)
3. **Edition 2** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/House/PDF/H2894v2.pdf)
4. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/House/PDF/H2894v3.pdf)
5. **SL2006-243** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/House/PDF/H2894v4.pdf)

## Votes

- Second Reading — **47–0** (pass) · upper
- M11 Concur — **99–0** (pass) · lower

## Sponsors

- Howard — cosponsor (person)

## Timeline

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

- **2006-08-13** Ch. SL 2006-243 `became-law`
- **2006-08-13** Signed By Gov. 8/13/2006 `executive-signature`
- **2006-07-20** Pres. To Gov. 7/20/2006 `executive-receipt`
- **2006-07-20** Ratified
- **2006-07-20** Concurred In S/Com Sub `amendment-passage`
- **2006-07-19** Placed On Cal For 7/20/2006
- **2006-07-19** Cal Pursuant Rule 36(b)
- **2006-07-19** Rec To Concur S Com Sub
- **2006-07-19** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2006-07-18** Com Substitute Adopted
- **2006-07-18** Reptd Fav Com Substitute `committee-passage-favorable`
- **2006-07-11** Ref To Com On Judiciary II `referral-committee`
- **2006-07-11** Rec From House
- **2006-07-11** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2006-07-06** Placed On Cal For 7/10/2006
- **2006-07-06** Cal Pursuant Rule 36(b)
- **2006-07-06** Reptd Fav `committee-passage-favorable`
- **2006-07-03** Ref To Com On Rules, Calendar, and Operations of the House `referral-committee`
- **2006-06-30** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/f65051fa-6c7e-407d-a30d-cb1b05c57fe2`. Confidence: reported (aggregated from official North Carolina legislature records).