---
type: "Bill"
title: "Modernize NC Secure and Fair Enforcement (S.A.F.E.) Act/Second Mortgage Fee Act."
description: "Modernize NC Secure and Fair Enforcement (S.A.F.E.) Act/Second Mortgage Fee Act."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2025"
identifier: "HB 762"
citation: "North Carolina HB 762 (2025)"
classification: ["bill"]
subjects: ["BANKING COMN.; BANKS; COMMERCE; COMMISSIONS; CONSUMER PROTECTION; DEFINITIONS; EMPLOYMENT; FINANCIAL INSTITUTIONS; FINANCIAL SERVICES; HOUSING; LICENSING & CERTIFICATION; LOANS; MORTGAGES; OCCUPATIONAL TESTING; OCCUPATIONS; PRESENTED; PUBLIC; RATIFIED; REAL ESTATE; SURETY & FIDELITY; TESTING; CHAPTERED; COMMISSIONER OF BANKS"]
status: "enacted"
primary_sponsors: ["Arp", "N. Jackson", "Ross"]
version_count: 6
action_count: 36
vote_count: 2
first_action: "2025-04-02"
last_action: "2025-07-01"
source: "openstates"
source_identifier: "ocd-bill/8dc55376-0f7c-4f00-a9d9-00f55b7e1d9b"
source_url: "https://www.ncleg.gov/BillLookUp/2025/H762"
source_hash: "dcd98268f36879221bfeb2e15e744bb514626c412aeddc737af26b85ef93e387"
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 762 (2025) — Modernize NC Secure and Fair Enforcement (S.A.F.E.) Act/Second Mortgage Fee Act.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Filed** (filed) — [source](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H762v0.pdf)
2. **Edition 1** (committee substitute) — [source](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H762v1.pdf)
3. **Edition 2** (committee substitute) — [source](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H762v2.pdf)
4. **Edition 3** (committee substitute) — [source](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H762v3.pdf)
5. **Ratified** (committee substitute) — [source](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H762v4.pdf)
6. **SL 2025-43** (committee substitute) — [source](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H762v5.pdf)

## Votes

- M11 Concur — **112–0** (pass) · lower
- Second Reading — **41–0** (pass) · upper

## Sponsors

- Arp — primary (person)
- N. Jackson — primary (person)
- Ross — primary (person)
- Branson — cosponsor (person)
- Moss — cosponsor (person)
- Scott — cosponsor (person)
- Setzer — cosponsor (person)
- Willingham — cosponsor (person)

## Timeline

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

- **2025-07-01** Ch. SL 2025-43 `became-law`
- **2025-07-01** Signed by Gov. 7/1/2025 `executive-signature`
- **2025-06-26** Pres. To Gov. 6/26/2025 `executive-receipt`
- **2025-06-25** Ratified
- **2025-06-24** Ordered Enrolled
- **2025-06-24** Concurred In S Com Sub `amendment-passage`
- **2025-06-23** Placed On Cal For 06/24/2025
- **2025-06-19** Cal Pursuant 36(b)
- **2025-06-19** Special Message Received For Concurrence in S Com Sub
- **2025-06-19** Special Message Sent To House
- **2025-06-19** Passed 3rd Reading `passage, reading-3`
- **2025-06-19** Passed 2nd Reading `reading-2`
- **2025-06-18** Reptd Fav `committee-passage-favorable`
- **2025-06-17** Re-ref Com On Rules and Operations of the Senate `referral-committee`
- **2025-06-17** Reptd Fav `committee-passage-favorable`
- **2025-06-10** Re-ref Com On Finance `referral-committee`
- **2025-06-10** Com Substitute Adopted
- **2025-06-10** Reptd Fav Com Substitute `committee-passage-favorable`
- **2025-06-10** Re-ref to Commerce and Insurance. If fav, re-ref to Finance. If fav, re-ref to Rules and Operations of the Senate `referral-committee`
- **2025-06-10** Withdrawn From Com
- **2025-05-01** Ref To Com On Rules and Operations of the Senate `referral-committee`
- **2025-05-01** Passed 1st Reading `reading-1`
- **2025-05-01** Regular Message Received From House
- **2025-05-01** Regular Message Sent To Senate
- **2025-04-30** Passed 3rd Reading `passage, reading-3`
- **2025-04-30** Passed 2nd Reading `reading-2`
- **2025-04-29** Placed On Cal For 04/30/2025
- **2025-04-29** Cal Pursuant Rule 36(b)
- **2025-04-29** Reptd Fav `committee-passage-favorable`
- **2025-04-17** Re-ref Com On Rules, Calendar, and Operations of the House `referral-committee`
- **2025-04-17** Withdrawn From Com
- **2025-04-15** Re-ref Com On Finance `referral-committee`
- **2025-04-15** Reptd Fav Com Substitute `committee-passage-favorable`
- **2025-04-07** Ref to the Com on Commerce and Economic Development, if favorable, Finance, if favorable, Rules, Calendar, and Operations of the House `referral-committee`
- **2025-04-07** Passed 1st Reading `reading-1`
- **2025-04-02** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/8dc55376-0f7c-4f00-a9d9-00f55b7e1d9b`. Confidence: reported (aggregated from official North Carolina legislature records).