---
type: "Bill"
title: "Prohibit Various Lending Subterfuges."
description: "Prohibit Various Lending Subterfuges."
jurisdiction: "us/states/nc"
legislature: "North Carolina General Assembly"
session: "2005"
identifier: "HJR 1818"
citation: "North Carolina HJR 1818 (2005)"
classification: ["joint resolution"]
subjects: ["CONSUMER CREDIT", "FINANCIAL SERVICES", "GENERAL ASSEMBLY", "RATIFIED", "RESOLUTIONS", "JOINT", "REP. HOWARD", "CHAPTERED"]
status: "enacted"
primary_sponsors: []
version_count: 3
action_count: 12
vote_count: 2
first_action: "2006-05-09"
last_action: "2006-06-30"
source: "openstates"
source_identifier: "ocd-bill/7d538a4a-3f55-40c3-ad88-4dfcea230af4"
source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2005&BillID=H1818&votesToView=all"
source_hash: "28badc7a276b54d42e5cd50b1c900fcc245c28e44d1720b9ea5adb1da68b07d3"
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 HJR 1818 (2005) — Prohibit Various Lending Subterfuges.

## 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/2005/Bills/House/PDF/H1818v0.pdf)
2. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/House/PDF/H1818v1.pdf)
3. **Res 2006-16** (committee substitute) — [source](http://www.ncleg.net/Sessions/2005/Bills/House/PDF/H1818v2.pdf)

## Votes

- Second Reading — **45–0** (pass) · upper
- Second Reading — **110–0** (pass) · lower

## Sponsors

- Howard — cosponsor (person)
- McGee — cosponsor (person)

## Timeline

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

- **2006-06-30** Ch. Res 2006-16 `became-law`
- **2006-06-30** Ratified
- **2006-06-29** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2006-06-28** Reptd Fav `committee-passage-favorable`
- **2006-06-05** Ref To Com On Rules and Operations of the Senate `referral-committee`
- **2006-06-05** Rec From House
- **2006-06-01** Passed 2nd & 3rd Reading `passage, reading-2, reading-3`
- **2006-05-31** Placed On Cal For 6/1/2006
- **2006-05-31** Cal Pursuant Rule 36(b)
- **2006-05-31** Reptd Fav `committee-passage-favorable`
- **2006-05-10** Ref To Com On Rules, Calendar, and Operations of the House `referral-committee`
- **2006-05-09** Filed `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/7d538a4a-3f55-40c3-ad88-4dfcea230af4`. Confidence: reported (aggregated from official North Carolina legislature records).