North Carolina General Statutes
Chapter 24 - Interest
Article 1 - General Provisions.

§ 24-1 - Legal rate is eight percent. - 24-1. Legal rate is eight percent. Except as otherwise provided...

§ 24-1.1 - Contract rates and fees. - 24-1.1. Contract rates and fees. (a) Except as otherwise provided...

§ 24-1.1A - Contract rates on home loans secured by first mortgages or first deeds of trust. - 24-1.1A. Contract rates on home loans secured by first mortgages...

§ 24-1.1D - Expired. - 24-1.1D. Expired.

§ 24-1.1E - Restrictions and limitations on high-cost home loans. - 24-1.1E. Restrictions and limitations on high-cost home loans. (a) Definitions....

§ 24-1.1F - Rate spread home loans. - 24-1.1F. Rate spread home loans. (a) Repealed by Session Laws...

§ 24-1.2A - Equity lines of credit. - 24-1.2A. Equity lines of credit. (a) Notwithstanding any other provision...

§ 24-1.4 - Interest rates for savings and loan associations. - 24-1.4. Interest rates for savings and loan associations. (a) Notwithstanding...

§ 24-2 - Penalty for usury; corporate bonds may be sold below par. - 24-2. Penalty for usury; corporate bonds may be sold below...

§ 24-2.1 - Transactions governed by Chapter. - 24-2.1. Transactions governed by Chapter. (a) For purposes of this...

§ 24-2.2 - Interest on extensions of credit by banks and savings and loan associations; exceptions. - 24-2.2. Interest on extensions of credit by banks and savings...

§ 24-2.3 - State opt-out from federal preemption. - 24-2.3. State opt-out from federal preemption. (a) The provisions of...

§ 24-2.4 - Prepayment of a loan if there are no prepayment terms or if the prepayment terms are not in accordance with law. - 24-2.4. Prepayment of a loan if there are no prepayment...

§ 24-2.5 - Mortgage bankers and mortgage brokers. - 24-2.5. Mortgage bankers and mortgage brokers. A mortgage broker or...

§ 24-3 - Time from which interest runs. - 24-3. Time from which interest runs. Interest is due and...

§ 24-4 - Obligations due guardians to bear compound interest; rate of interest. - 24-4. Obligations due guardians to bear compound interest; rate of...

§ 24-5 - Interest on judgments. - 24-5. Interest on judgments. (a) Actions on Contracts. - In...

§ 24-6 - Clerk to ascertain interest upon default judgment on bond, covenant, bill, note or signed account. - 24-6. Clerk to ascertain interest upon default judgment on bond,...

§ 24-7 - Interest from verdict to judgment added as costs. - 24-7. Interest from verdict to judgment added as costs. Except...

§ 24-8 - Loans not in excess of $300,000; what interest, fees and charges permitted. - 24-8. Loans not in excess of $300,000; what interest, fees...

§ 24-9 - Loans exempt from rate and fee limitations. - 24-9. Loans exempt from rate and fee limitations. (a) As...

§ 24-9.1 - Certain repayments to consumers by public utilities not subject to claim or defense of usury. - 24-9.1. Certain repayments to consumers by public utilities not subject...

§ 24-9.3 - Economic development loans. - 24-9.3. Economic development loans. Fees or other funds paid by...

§ 24-10 - Maximum fees on loans secured by real property. - 24-10. Maximum fees on loans secured by real property. (a)...

§ 24-10.1 - Late fees. - 24-10.1. Late fees. (a) Subject to the limitations contained in...

§ 24-10.2 - Consumer protections in certain home loans. - 24-10.2. Consumer protections in certain home loans. (a) For purposes...

§ 24-11 - Certain revolving credit charges. - 24-11. Certain revolving credit charges. (a) On the extension of...

§ 24-11.1 - Disclosure requirements for credit cards. - 24-11.1. Disclosure requirements for credit cards. (a) This section applies...

§ 24-11.2 - Disclosure requirements for charge cards. - 24-11.2. Disclosure requirements for charge cards. (a) Applications and Other...