---
type: "Bill"
title: "Protect Consumers - Covered Loans."
description: "Protect Consumers - Covered Loans."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2007"
identifier: "HB 1817"
citation: "North Carolina HB 1817 (2007)"
classification: ["bill"]
subjects: ["BANKING COMN.", "BANKS", "COMMERCE", "COMMISSIONS", "CONSUMER PROTECTION", "CRIMES", "FINANCIAL INSTITUTIONS", "FINANCIAL SERVICES", "HOUSING", "LOANS", "MORTGAGES", "PRESENTED", "PUBLIC", "RATIFIED", "REAL ESTATE", "TITLE CHANGE", "CHAPTERED", "REP. BLUE", "CIVIL ACTIONS"]
status: "enacted"
primary_sponsors: []
version_count: 7
action_count: 26
vote_count: 2
first_action: "2007-04-18"
last_action: "2007-08-16"
source: "openstates"
source_identifier: "ocd-bill/1b2398cf-d621-491e-a3fe-0f08eae47378"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2007&BillID=H1817&votesToView=all"
source_hash: "0bbd4f90d3030ca2cc008f8c79df565245afd5491abd8b945111c9f5544818e9"
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 1817 (2007) — Protect Consumers - Covered Loans.

## 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/2007/Bills/House/PDF/H1817v0.pdf)
2. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2007/Bills/House/PDF/H1817v1.pdf)
3. **Edition 2** (committee substitute) — [source](http://www.ncleg.net/Sessions/2007/Bills/House/PDF/H1817v2.pdf)
4. **Edition 3** (committee substitute) — [source](http://www.ncleg.net/Sessions/2007/Bills/House/PDF/H1817v3.pdf)
5. **Edition 4** (committee substitute) — [source](http://www.ncleg.net/Sessions/2007/Bills/House/PDF/H1817v4.pdf)
6. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2007/Bills/House/PDF/H1817v5.pdf)
7. **SL2007-352** (committee substitute) — [source](http://www.ncleg.net/Sessions/2007/Bills/House/PDF/H1817v6.pdf)

## Votes

- M11 Concur — **113–0** (pass) · lower
- Second Reading — **33–15** (pass) · upper

## Sponsors

- Blue — cosponsor (person)
- Current — cosponsor (person)
- Faison — cosponsor (person)
- Harrison — cosponsor (person)
- Womble — cosponsor (person)

## Timeline

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

- **2007-08-16** Ch. SL 2007-352 `became-law`
- **2007-08-16** Signed By Gov. 8/16/2007 `executive-signature`
- **2007-08-02** Pres. To Gov. 8/2/2007 `executive-receipt`
- **2007-08-02** Ratified
- **2007-08-02** Concurred In S/Com Sub `amendment-passage`
- **2007-08-01** Placed On Cal For 8/2/2007
- **2007-08-01** Cal Pursuant Rule 36(b)
- **2007-08-01** Rec To Concur S Com Sub
- **2007-08-01** Engrossed
- **2007-08-01** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2007-08-01** Amend Adopted 1 `amendment-passage`
- **2007-07-31** Placed On Cal For 8/1/2007
- **2007-07-31** Withdrawn From Cal
- **2007-07-30** Placed On Cal For 7/31/2007
- **2007-07-30** Withdrawn From Cal
- **2007-07-28** Com Substitute Adopted
- **2007-07-28** Reptd Fav Com Substitute `committee-passage-favorable`
- **2007-05-21** Ref To Com On Commerce, Small Business and Entrepreneurship `referral-committee`
- **2007-05-21** Rec From House
- **2007-05-17** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2007-05-16** Placed On Cal For 5/17/2007
- **2007-05-16** Cal Pursuant Rule 36(b)
- **2007-05-16** Reptd Fav Com Substitute `committee-passage-favorable`
- **2007-04-19** Ref To Com On Financial Institutions `referral-committee`
- **2007-04-19** Passed 1st Reading `reading-1`
- **2007-04-18** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/1b2398cf-d621-491e-a3fe-0f08eae47378`. Confidence: reported (aggregated from official North Carolina legislature records).