Fabio
95 lines
4.0 KiB
Markdown
95 lines
4.0 KiB
Markdown
---
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type: "Bill"
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title: "Loan Origination/Late Payment Charge Changes."
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description: "Loan Origination/Late Payment Charge Changes."
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jurisdiction: "us/states/nc"
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legislature: "North Carolina General Assembly"
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session: "2019"
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identifier: "SB 162"
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citation: "North Carolina SB 162 (2019)"
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classification: ["bill"]
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subjects: ["BANKING COMN.", "BANKS", "FEES", "FINANCIAL INSTITUTIONS", "FINANCIAL SERVICES", "LOANS", "PRESENTED", "PUBLIC", "RATIFIED", "CHAPTERED", "COMMISSIONER OF BANKS"]
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status: "enacted"
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primary_sponsors: ["Krawiec", "Rabon"]
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version_count: 4
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action_count: 26
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vote_count: 2
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first_action: "2019-02-27"
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last_action: "2019-04-01"
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source: "openstates"
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source_identifier: "ocd-bill/9525ccdb-bd02-4e68-b7f0-d1d0bed2e602"
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source_url: "http://www.ncleg.net/gascripts/BillLookUp/BillLookUp.pl?Session=2019&BillID=S162&votesToView=all"
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source_hash: "b1a6620fe869b6c8664d8707b2eb42795272b6e690bb538bd02732e3a53f94f5"
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vintage: "2026-07-01"
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source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
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retrieved_at: "2026-07-06"
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confidence: "reported"
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tags: ["legislation", "bill", "us-nc"]
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---
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# North Carolina SB 162 (2019) — Loan Origination/Late Payment Charge Changes.
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## Version chain
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The bill's text revisions, in order — the diff chain from filing to enrollment.
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1. **Filed** (filed) — [source](http://www.ncleg.net/Sessions/2019/Bills/Senate/PDF/S162v0.pdf)
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2. **Edition 1** (committee substitute) — [source](http://www.ncleg.net/Sessions/2019/Bills/Senate/PDF/S162v1.pdf)
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3. **Ratified** (committee substitute) — [source](http://www.ncleg.net/Sessions/2019/Bills/Senate/PDF/S162v2.pdf)
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4. **SL 2019-10** (committee substitute) — [source](http://www.ncleg.net/Sessions/2019/Bills/Senate/PDF/S162v3.pdf)
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## Votes
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- Second Reading — **46–1** (pass) · upper
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- Second Reading — **102–7** (pass) · lower
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## Sponsors
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- Krawiec — primary (person)
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- Rabon — primary (person)
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- B. Jackson — cosponsor (person)
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- Britt — cosponsor (person)
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- D. Davis — cosponsor (person)
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- Gunn — cosponsor (person)
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- Hise — cosponsor (person)
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- Johnson — cosponsor (person)
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- Lowe — cosponsor (person)
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- McInnis — cosponsor (person)
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- Waddell — cosponsor (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2019-04-01** Ch. SL 2019-10 `became-law`
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- **2019-04-01** Signed by Gov. 4/1/2019 `executive-signature`
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- **2019-03-27** Pres. To Gov. 3/27/2019 `executive-receipt`
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- **2019-03-27** Ratified
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- **2019-03-27** Ordered Enrolled
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- **2019-03-27** Passed 3rd Reading `passage, reading-3`
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- **2019-03-27** Passed 2nd Reading `reading-2`
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- **2019-03-25** Placed On Cal For 03/27/2019
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- **2019-03-25** Cal Pursuant Rule 36(b)
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- **2019-03-25** Reptd Fav `committee-passage-favorable`
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- **2019-03-19** Re-ref Com On Rules, Calendar, and Operations of the House `referral-committee`
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- **2019-03-19** Reptd Fav `committee-passage-favorable`
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- **2019-03-18** Ref to the Com on Banking, if favorable, Rules, Calendar, and Operations of the House `referral-committee`
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- **2019-03-18** Passed 1st Reading `reading-1`
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- **2019-03-14** Regular Message Received From Senate
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- **2019-03-14** Regular Message Sent To House
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- **2019-03-13** Passed 3rd Reading `passage, reading-3`
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- **2019-03-13** Passed 2nd Reading `reading-2`
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- **2019-03-12** Reptd Fav `committee-passage-favorable`
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- **2019-03-07** Re-ref Com On Rules and Operations of the Senate `referral-committee`
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- **2019-03-07** Reptd Fav `committee-passage-favorable`
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- **2019-03-04** Re-ref to Commerce and Insurance. If fav, re-ref to Rules and Operations of the Senate `referral-committee`
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- **2019-03-04** Withdrawn From Com
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- **2019-02-28** Ref To Com On Rules and Operations of the Senate `referral-committee`
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- **2019-02-28** Passed 1st Reading `reading-1`
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- **2019-02-27** Filed `introduction`
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## Source
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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).
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