---
type: "Bill"
title: "Consumer Credit/Default Charge."
description: "Consumer Credit/Default Charge."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2017"
identifier: "SB 577"
citation: "North Carolina SB 577 (2017)"
classification: ["bill"]
subjects: ["COMMERCE", "CONSUMER CREDIT", "CORPORATIONS", "FOR-PROFIT", "FINANCIAL SERVICES", "INTERSTATE TRADE", "PRESENTED", "PUBLIC", "RATIFIED", "CHAPTERED"]
status: "enacted"
primary_sponsors: []
version_count: 5
action_count: 30
vote_count: 2
first_action: "2017-03-30"
last_action: "2017-06-26"
source: "openstates"
source_identifier: "ocd-bill/15160fc4-fba9-43e6-9079-cd12f6bfa786"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2017&BillID=S577&votesToView=all"
source_hash: "61628c74162a16d8d41d7da71189e6b6f89aefceeb445e988da23557a7d5905c"
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 577 (2017) — Consumer Credit/Default Charge.

## 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/2017/Bills/Senate/PDF/S577v0.pdf)
2. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2017/Bills/Senate/PDF/S577v1.pdf)
3. **Edition 2** (committee substitute) — [source](http://www.ncleg.net/Sessions/2017/Bills/Senate/PDF/S577v2.pdf)
4. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2017/Bills/Senate/PDF/S577v3.pdf)
5. **SL 2017-45** (committee substitute) — [source](http://www.ncleg.net/Sessions/2017/Bills/Senate/PDF/S577v4.pdf)

## Votes

- Second Reading — **46–3** (pass) · upper
- Second Reading — **98–18** (pass) · lower

## Sponsors

- Gunn — cosponsor (person)

## Timeline

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

- **2017-06-26** Ch. SL 2017-45 `became-law`
- **2017-06-26** Became Law W/o Signature `became-law`
- **2017-06-13** Pres. To Gov. 6/13/2017 `executive-receipt`
- **2017-06-12** Ratified
- **2017-06-08** Ordered Enrolled
- **2017-06-08** Passed 3rd Reading `passage, reading-3`
- **2017-06-08** Passed 2nd Reading `reading-2`
- **2017-06-07** Placed On Cal For 06/08/2017
- **2017-06-07** Cal Pursuant Rule 36(b)
- **2017-06-07** Reptd Fav `committee-passage-favorable`
- **2017-05-10** Re-ref Com On Commerce and Job Development `referral-committee`
- **2017-05-10** Withdrawn From Com
- **2017-05-08** Re-ref Com On Judiciary II `referral-committee`
- **2017-05-08** Withdrawn From Com
- **2017-04-27** Ref To Com On Rules, Calendar, and Operations of the House `referral-committee`
- **2017-04-27** Passed 1st Reading `reading-1`
- **2017-04-27** Regular Message Received From Senate
- **2017-04-27** Regular Message Sent To House
- **2017-04-26** Passed 3rd Reading `passage, reading-3`
- **2017-04-26** Passed 2nd Reading `reading-2`
- **2017-04-26** Placed on Today's Supplemental Calendar
- **2017-04-26** Reptd Fav `committee-passage-favorable`
- **2017-04-26** Re-ref Com On Rules and Operations of the Senate `referral-committee`
- **2017-04-26** Com Substitute Adopted
- **2017-04-26** Reptd Fav Com Substitute `committee-passage-favorable`
- **2017-04-24** Re-ref to Commerce and Insurance. If fav, re-ref to Rules and Operations of the Senate `referral-committee`
- **2017-04-24** Withdrawn From Com
- **2017-04-03** Ref To Com On Rules and Operations of the Senate `referral-committee`
- **2017-04-03** Passed 1st Reading `reading-1`
- **2017-03-30** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/15160fc4-fba9-43e6-9079-cd12f6bfa786`. Confidence: reported (aggregated from official North Carolina legislature records).