---
type: "Bill"
title: "Consumer Credit Counseling/Debt Management."
description: "Consumer Credit Counseling/Debt Management."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2005"
identifier: "SB 590"
citation: "North Carolina SB 590 (2005)"
classification: ["bill"]
subjects: ["ATTORNEYS", "BANKING COMN.", "BANKS", "COMMERCE", "COMMISSIONS", "CONSUMER CREDIT", "CONSUMER PROTECTION", "CORPORATIONS", "NON-PROFIT", "COUNSELING", "DEBTOR & CREDITOR", "FINANCIAL INSTITUTIONS", "FINANCIAL SERVICES", "FISCAL NOTES", "PRESENTED", "PUBLIC", "RATIFIED", "CHAPTERED", "SEN. DORSETT"]
status: "enacted"
primary_sponsors: []
version_count: 9
action_count: 40
vote_count: 2
first_action: "2005-03-15"
last_action: "2005-09-20"
source: "openstates"
source_identifier: "ocd-bill/d12c6d42-d5bb-4094-9e32-f85d1aeb9b07"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2005&BillID=S590&votesToView=all"
source_hash: "d93f22fb562d57b5e94ca9342dec263188423f5c9afac46dd838735e95f55254"
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 590 (2005) — Consumer Credit Counseling/Debt Management.

## 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/Senate/PDF/S590v0.pdf)
2. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S590v1.pdf)
3. **Edition 2** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S590v2.pdf)
4. **Edition 3** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S590v3.pdf)
5. **Edition 4** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S590v4.pdf)
6. **Edition 5** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S590v5.pdf)
7. **Edition 6** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S590v6.pdf)
8. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S590v7.pdf)
9. **SL2005-408** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/Senate/PDF/S590v8.pdf)

## Votes

- C Rpt Adopt — **104–5** (pass) · lower
- Conference Rpt\Motion 7\To Adopt — **43–2** (pass) · upper

## Sponsors

- Albertson — cosponsor (person)
- Cowell — cosponsor (person)
- Dannelly — cosponsor (person)
- Dorsett — cosponsor (person)
- Forrester — cosponsor (person)
- Holloman — cosponsor (person)
- Jenkins — cosponsor (person)
- Lucas — cosponsor (person)
- Malone — cosponsor (person)
- Purcell — cosponsor (person)
- Rand — cosponsor (person)
- Stevens — cosponsor (person)
- Thomas — cosponsor (person)

## Timeline

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

- **2005-09-20** Ch. SL 2005-408 `became-law`
- **2005-09-20** Signed By Gov. 9/20/2005 `executive-signature`
- **2005-08-30** Pres. To Gov. 8/30/2005 `executive-receipt`
- **2005-08-29** Ratified
- **2005-08-24** Conf Report Adopted
- **2005-08-24** Placed On Cal For 8/24/2005
- **2005-08-24** Conf Com Reported
- **2005-08-24** Conf Com Appointed
- **2005-08-24** Conf Report Adopted
- **2005-08-24** Placed On Cal For 8/24/2005
- **2005-08-24** Conf Com Reported
- **2005-08-24** Conf Com Appointed
- **2005-08-24** Failed Concur In Com Sub
- **2005-08-24** Placed On Cal For 8/24/2005
- **2005-08-24** Rec To Concur H Com Sub
- **2005-08-23** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2005-08-23** Amend Adopted #1 `amendment-passage`
- **2005-08-23** Placed On Cal For 8/23/2005
- **2005-08-23** Reptd Fav Com Substitute `committee-passage-favorable`
- **2005-08-10** Re-ref Com On Rules, Calendar, and Operations of the House `referral-committee`
- **2005-08-10** Withdrawn From Cal
- **2005-08-08** Placed On Cal For 8/9/2005
- **2005-08-02** Cal Pursuant Rule 36(b)
- **2005-08-02** Reptd Fav Com Substitute `committee-passage-favorable`
- **2005-06-30** Re-ref Com On Judiciary I `referral-committee`
- **2005-06-30** Withdrawn From Comm
- **2005-06-02** Ref To Com On Finance `referral-committee`
- **2005-06-02** Rec From Senate
- **2005-06-01** Passed 3rd Reading `passage, reading-3`
- **2005-06-01** Amend Failed #1 `amendment-failure`
- **2005-06-01** Amend Failed #2 `amendment-failure`
- **2005-05-31** Passed 2nd Reading `reading-2`
- **2005-05-26** Placed On Cal For 5/31/2005
- **2005-05-26** Com Substitute Adopted
- **2005-05-26** Reptd Fav Com Substitute `committee-passage-favorable`
- **2005-05-18** Re-ref Com On Finance `referral-committee`
- **2005-05-18** Com Substitute Adopted
- **2005-05-18** Reptd Fav Com Substitute `committee-passage-favorable`
- **2005-03-16** Ref to Commerce. If fav, re-ref to Finance `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/d12c6d42-d5bb-4094-9e32-f85d1aeb9b07`. Confidence: reported (aggregated from official North Carolina legislature records).