---
type: "Bill"
title: "Loan Origination/Late Payment Charge Changes."
description: "Loan Origination/Late Payment Charge Changes."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2019"
identifier: "SB 162"
citation: "North Carolina SB 162 (2019)"
classification: ["bill"]
subjects: ["BANKING COMN.", "BANKS", "FEES", "FINANCIAL INSTITUTIONS", "FINANCIAL SERVICES", "LOANS", "PRESENTED", "PUBLIC", "RATIFIED", "CHAPTERED", "COMMISSIONER OF BANKS"]
status: "enacted"
primary_sponsors: ["Krawiec", "Rabon"]
version_count: 4
action_count: 26
vote_count: 2
first_action: "2019-02-27"
last_action: "2019-04-01"
source: "openstates"
source_identifier: "ocd-bill/9525ccdb-bd02-4e68-b7f0-d1d0bed2e602"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2019&BillID=S162&votesToView=all"
source_hash: "b1a6620fe869b6c8664d8707b2eb42795272b6e690bb538bd02732e3a53f94f5"
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 162 (2019) — Loan Origination/Late Payment Charge Changes.

## 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/2019/Bills/Senate/PDF/S162v0.pdf)
2. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2019/Bills/Senate/PDF/S162v1.pdf)
3. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2019/Bills/Senate/PDF/S162v2.pdf)
4. **SL 2019-10** (committee substitute) — [source](http://www.ncleg.net/Sessions/2019/Bills/Senate/PDF/S162v3.pdf)

## Votes

- Second Reading — **46–1** (pass) · upper
- Second Reading — **102–7** (pass) · lower

## Sponsors

- Krawiec — primary (person)
- Rabon — primary (person)
- B. Jackson — cosponsor (person)
- Britt — cosponsor (person)
- D. Davis — cosponsor (person)
- Gunn — cosponsor (person)
- Hise — cosponsor (person)
- Johnson — cosponsor (person)
- Lowe — cosponsor (person)
- McInnis — cosponsor (person)
- Waddell — cosponsor (person)

## Timeline

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

- **2019-04-01** Ch. SL 2019-10 `became-law`
- **2019-04-01** Signed by Gov. 4/1/2019 `executive-signature`
- **2019-03-27** Pres. To Gov. 3/27/2019 `executive-receipt`
- **2019-03-27** Ratified
- **2019-03-27** Ordered Enrolled
- **2019-03-27** Passed 3rd Reading `passage, reading-3`
- **2019-03-27** Passed 2nd Reading `reading-2`
- **2019-03-25** Placed On Cal For 03/27/2019
- **2019-03-25** Cal Pursuant Rule 36(b)
- **2019-03-25** Reptd Fav `committee-passage-favorable`
- **2019-03-19** Re-ref Com On Rules, Calendar, and Operations of the House `referral-committee`
- **2019-03-19** Reptd Fav `committee-passage-favorable`
- **2019-03-18** Ref to the Com on Banking, if favorable, Rules, Calendar, and Operations of the House `referral-committee`
- **2019-03-18** Passed 1st Reading `reading-1`
- **2019-03-14** Regular Message Received From Senate
- **2019-03-14** Regular Message Sent To House
- **2019-03-13** Passed 3rd Reading `passage, reading-3`
- **2019-03-13** Passed 2nd Reading `reading-2`
- **2019-03-12** Reptd Fav `committee-passage-favorable`
- **2019-03-07** Re-ref Com On Rules and Operations of the Senate `referral-committee`
- **2019-03-07** Reptd Fav `committee-passage-favorable`
- **2019-03-04** Re-ref to Commerce and Insurance. If fav, re-ref to Rules and Operations of the Senate `referral-committee`
- **2019-03-04** Withdrawn From Com
- **2019-02-28** Ref To Com On Rules and Operations of the Senate `referral-committee`
- **2019-02-28** Passed 1st Reading `reading-1`
- **2019-02-27** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/9525ccdb-bd02-4e68-b7f0-d1d0bed2e602`. Confidence: reported (aggregated from official North Carolina legislature records).