North Carolina Commercial Financing Bill (Pending)

At a glance

• Status: Bill introduced, not enacted

• Effective: Not enacted

• Who it covers: Would be broad — mirrors CA/NY coverage

• Size cap: Proposed thresholds mirror CA/NY

• Regulator: Would be NC Commissioner of Banks

Type of rules: APR disclosure · Registration · Broad coverage

What the bill would do

• Introduced in 2023 and referred to the House Banking Committee; mirrors the California and New York disclosure model.

• Notably would add registration and examination authority for the Commissioner of Banks over covered lenders.

• Not enacted as of October 2026.

What to watch

The examination component would go further than any enacted state law.

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States with pending bills: New Jersey · Illinois · Maryland · Pennsylvania

Last verified October 2026. Compiled and verified by Funder Intel for general industry information. This is not legal advice. Laws change often, so check the statute and a qualified attorney before making compliance decisions.