PocketLaw | North Carolina General Statutes | General Provisions.

General Provisions.

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Legal rate is eight percent.

Contract rates and fees.

Section
24-1.1A

Contract rates on home loans secured by first mortgages or first deeds of trust.

Sections
24-1.1B

Repealed by Session Laws 1979, c. 335.

Sections
24-1.1C

Repealed by Session Laws 1998-119, s. 2.

Section
24-1.1D

Expired.

Section
24-1.1E

Restrictions and limitations on high-cost home loans.

Section
24-1.1F

Rate spread home loans.

Repealed by Session Laws 1998-119, s. 2.

Section
24-1.2A

Equity lines of credit.

Sections
24-1.3

Repealed by Session Laws 1979, 2nd Session, c. 1302, s. 3.

Interest rates for savings and loan associations.

Penalty for usury; corporate bonds may be sold below par.

Transactions governed by Chapter.

Interest on extensions of credit by banks and savings and loan associations; exceptions.

State opt-out from federal preemption.

Prepayment of a loan if there are no prepayment terms or if the prepayment terms are not in accordance with law.

Mortgage bankers and mortgage brokers.

Time from which interest runs.

Obligations due guardians to bear compound interest; rate of interest.

Interest on judgments.

Clerk to ascertain interest upon default judgment on bond, covenant, bill, note or signed account.

Interest from verdict to judgment added as costs.

Loans not in excess of $300,000; what interest, fees and charges permitted.

Loans exempt from rate and fee limitations.

Certain repayments to consumers by public utilities not subject to claim or defense of usury.

Sections
24-9.2

Repealed by Session Laws 1995, c. 351, s. 14.

Economic development loans.

Maximum fees on loans secured by real property.

Section
24-10.1

Late fees.

Section
24-10.2

Consumer protections in certain home loans.

Certain revolving credit charges.

Section
24-11.1

Disclosure requirements for credit cards.

Section
24-11.2

Disclosure requirements for charge cards.