---
type: "Bill"
title: "Credit Insurance Changes.-AB"
description: "Credit Insurance Changes.-AB"
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2005"
identifier: "HB 653"
citation: "North Carolina HB 653 (2005)"
classification: ["bill"]
subjects: ["CONSUMER CREDIT", "DEBTOR & CREDITOR", "EMPLOYMENT", "FINANCIAL SERVICES", "INSURANCE", "INSURANCE DEPT.", "PRESENTED", "PUBLIC", "RATIFIED", "UNEMPLOYMENT", "REP. HOLLIMAN", "CHAPTERED"]
status: "enacted"
primary_sponsors: []
version_count: 5
action_count: 18
vote_count: 2
first_action: "2005-03-15"
last_action: "2005-07-12"
source: "openstates"
source_identifier: "ocd-bill/2a2a9a1a-765e-4e91-9c66-100cda5625a4"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2005&BillID=H653&votesToView=all"
source_hash: "de439ffe7d793bb141f38cadd81b492e3453d9cda2d501b0ad7abd63d14d699d"
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 653 (2005) — Credit Insurance Changes.-AB

## 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/H653v0.pdf)
2. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/House/PDF/H653v1.pdf)
3. **Edition 2** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/House/PDF/H653v2.pdf)
4. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/House/PDF/H653v3.pdf)
5. **SL2005-181** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/House/PDF/H653v4.pdf)

## Votes

- Second Reading — **49–0** (pass) · upper
- Second Reading — **119–0** (pass) · lower

## Sponsors

- Holliman — cosponsor (person)

## Timeline

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

- **2005-07-12** Ch. SL 2005-181 `became-law`
- **2005-07-12** Signed By Gov. 7/12/2005 `executive-signature`
- **2005-07-11** Pres. To Gov. 7/8/2005 `executive-receipt`
- **2005-07-07** Ratified
- **2005-07-06** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2005-07-05** Placed On Cal For 7/6/2005
- **2005-07-05** Withdrawn From Cal
- **2005-06-30** Placed On Cal For 7/5/2005
- **2005-06-30** Reptd Fav `committee-passage-favorable`
- **2005-06-06** Ref To Com On Commerce `referral-committee`
- **2005-06-06** Rec From House
- **2005-06-02** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2005-06-02** Amend Adopted #1 `amendment-passage`
- **2005-06-02** Placed On Cal For 6/2/2005
- **2005-06-02** Cal Pursuant Rule 36(b)
- **2005-06-02** Reptd Fav Com Sub Amend `committee-passage-favorable`
- **2005-03-16** Ref To Com On Insurance `referral-committee`
- **2005-03-15** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/2a2a9a1a-765e-4e91-9c66-100cda5625a4`. Confidence: reported (aggregated from official North Carolina legislature records).