---
type: "Bill"
title: "Mortgage/Rate Spread & High-Cost Loans."
description: "Mortgage/Rate Spread & High-Cost Loans."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2009"
identifier: "HB 1222"
citation: "North Carolina HB 1222 (2009)"
classification: ["bill"]
subjects: ["DEBTOR & CREDITOR", "FINANCIAL SERVICES", "FORECLOSURES", "HOUSING", "INTEREST", "LOANS", "MORTGAGES", "PRESENTED", "PUBLIC", "RATIFIED", "REAL ESTATE", "TITLE CHANGE", "CHAPTERED", "REP. BLUE"]
status: "enacted"
primary_sponsors: []
version_count: 6
action_count: 26
vote_count: 2
first_action: "2009-04-08"
last_action: "2009-08-07"
source: "openstates"
source_identifier: "ocd-bill/484ef3e7-b0dc-4d9e-bc0d-f4e589ecd502"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2009&BillID=H1222&votesToView=all"
source_hash: "11d45c8c7cd9557d3144eb30bad6a6781806a8b6dafea3ff1e7916d47056d929"
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 1222 (2009) — Mortgage/Rate Spread & High-Cost 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/2009/Bills/House/PDF/H1222v0.pdf)
2. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2009/Bills/House/PDF/H1222v1.pdf)
3. **Edition 2** (committee substitute) — [source](http://www.ncleg.net/Sessions/2009/Bills/House/PDF/H1222v2.pdf)
4. **Edition 3** (committee substitute) — [source](http://www.ncleg.net/Sessions/2009/Bills/House/PDF/H1222v3.pdf)
5. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2009/Bills/House/PDF/H1222v4.pdf)
6. **SL2009-457** (committee substitute) — [source](http://www.ncleg.net/Sessions/2009/Bills/House/PDF/H1222v5.pdf)

## Votes

- M11 Concur — **103–11** (pass) · lower
- Second Reading — **47–0** (pass) · upper

## Sponsors

- Blue — cosponsor (person)
- Cotham — cosponsor (person)
- Faison — cosponsor (person)
- Harrison — cosponsor (person)
- Hughes — cosponsor (person)
- Jones — cosponsor (person)
- Lucas — cosponsor (person)
- Parmon — cosponsor (person)
- Womble — cosponsor (person)
- Wray — cosponsor (person)

## Timeline

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

- **2009-08-07** Ch. SL 2009-457 `became-law`
- **2009-08-07** Signed By Gov. 8/7/2009 `executive-signature`
- **2009-07-31** Pres. To Gov. 7/31/2009 `executive-receipt`
- **2009-07-30** Ratified
- **2009-07-29** Concurred In S/Com Sub `amendment-passage`
- **2009-07-23** Postponed To 7/29/2009
- **2009-07-22** Placed On Cal For 7/23/2009
- **2009-07-22** Cal Pursuant Rule 36(b)
- **2009-07-22** Withdrawn From Com
- **2009-07-20** Ref To Com On Financial Institutions `referral-committee`
- **2009-07-20** Rec To Concur S Com Sub
- **2009-07-15** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2009-07-14** Com Substitute Adopted
- **2009-07-14** Reptd Fav Com Substitute `committee-passage-favorable`
- **2009-05-20** Ref To Com On Commerce `referral-committee`
- **2009-05-14** Rec From House
- **2009-05-13** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2009-05-12** Placed On Cal For 5/13/2009
- **2009-05-12** Cal Pursuant Rule 36(b)
- **2009-05-12** Reptd Fav `committee-passage-favorable`
- **2009-05-05** Re-ref Com On Judiciary II `referral-committee`
- **2009-05-05** Cal Pursuant 32(a)
- **2009-05-05** Reptd Fav Com Substitute `committee-passage-favorable`
- **2009-04-09** Ref to the Com on Financial Institutions, if favorable, Judiciary II `referral-committee`
- **2009-04-09** Passed 1st Reading `reading-1`
- **2009-04-08** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/484ef3e7-b0dc-4d9e-bc0d-f4e589ecd502`. Confidence: reported (aggregated from official North Carolina legislature records).