---
type: "Bill"
title: "Mortgages/S.A.F.E. Act."
description: "Mortgages/S.A.F.E. Act."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2013"
identifier: "HB 293"
citation: "North Carolina HB 293 (2013)"
classification: ["bill"]
subjects: ["BANKING COMN.", "BANKS", "COMMISSIONS", "DEBTOR & CREDITOR", "FINANCIAL INSTITUTIONS", "FINANCIAL SERVICES", "FORECLOSURES", "HOUSING", "LOANS", "MORTGAGES", "PRESENTED", "PUBLIC", "RATIFIED", "REAL ESTATE", "CHAPTERED"]
status: "enacted"
primary_sponsors: ["J. Bell", "Szoka"]
version_count: 5
action_count: 29
vote_count: 2
first_action: "2013-03-13"
last_action: "2013-08-23"
source: "openstates"
source_identifier: "ocd-bill/c786d3ae-3d44-4db6-be17-67b14089be81"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2013&BillID=H293&votesToView=all"
source_hash: "2962dfe1d65718835a548668a6c49ef6fe4e977ce38bbf67fb422dad8548412e"
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 293 (2013) — Mortgages/S.A.F.E. Act.

## 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/2013/Bills/House/PDF/H293v0.pdf)
2. **A1: AMN-24-V-1** (committee substitute) — [source](https://webservices.ncleg.net/ViewBillDocument/2013/7206/0/H293-AMN-24-V-1)
3. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2013/Bills/House/PDF/H293v1.pdf)
4. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2013/Bills/House/PDF/H293v2.pdf)
5. **SL2013-412** (committee substitute) — [source](http://www.ncleg.net/Sessions/2013/Bills/House/PDF/H293v3.pdf)

## Votes

- Second Reading — **48–0** (pass) · upper
- M11 Concur Sen. Amd. 1 — **113–1** (pass) · lower

## Sponsors

- J. Bell — primary (person)
- Szoka — primary (person)
- Bumgardner — cosponsor (person)
- Faircloth — cosponsor (person)
- Hardister — cosponsor (person)
- Steinburg — cosponsor (person)

## Timeline

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

- **2013-08-23** Ch. SL 2013-412 `became-law`
- **2013-08-23** Signed by Gov. 8/23/2013 `executive-signature`
- **2013-07-26** Pres. To Gov. 7/26/2013 `executive-receipt`
- **2013-07-25** Ratified
- **2013-07-24** Ordered Enrolled
- **2013-07-24** Concurred In S Amend SA1 `amendment-passage`
- **2013-07-23** Placed On Cal For 07/24/2013
- **2013-07-23** Rec To Concur In S Amend 1
- **2013-07-23** Rec From Senate
- **2013-07-23** Passed 3rd Reading `passage, reading-3`
- **2013-07-23** Passed 2nd Reading `reading-2`
- **2013-07-23** Amend Adopted A1 `amendment-passage`
- **2013-07-19** Placed On Cal For 07/23/2013
- **2013-07-19** Withdrawn From Com
- **2013-04-30** Re-ref Com On Judiciary I `referral-committee`
- **2013-04-30** Reptd Fav `committee-passage-favorable`
- **2013-04-09** Ref to Commerce. If fav, re-ref to Judiciary I `referral-committee`
- **2013-04-09** Passed 1st Reading `reading-1`
- **2013-04-09** Rec From House
- **2013-04-08** Passed 3rd Reading `passage, reading-3`
- **2013-04-08** Passed 2nd Reading `reading-2`
- **2013-04-04** Placed On Cal For 04/08/2013
- **2013-04-04** Cal Pursuant Rule 36(b)
- **2013-04-04** Reptd Fav `committee-passage-favorable`
- **2013-03-27** Re-ref Com On Banking `referral-committee`
- **2013-03-27** Withdrawn From Com
- **2013-03-14** Ref to the Com on Judiciary Subcommittee A, if favorable, Banking `referral-committee`
- **2013-03-14** Passed 1st Reading `reading-1`
- **2013-03-13** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/c786d3ae-3d44-4db6-be17-67b14089be81`. Confidence: reported (aggregated from official North Carolina legislature records).