Chapter 24

34 published sections.

Article 1 - General Provisions

N.C.G.S. § 24-1 — Legal rate is eight percent.
N.C.G.S. § 24-1.1 — Contract rates and fees.
N.C.G.S. § 24-1.1A — Contract rates on home loans secured by first mortgages or first deeds of trust.
N.C.G.S. § 24-1.1E — Restrictions and limitations on high-cost home loans.
N.C.G.S. § 24-1.1F — Rate spread home loans.
N.C.G.S. § 24-1.2A — Equity lines of credit.
N.C.G.S. § 24-1.4 — Interest rates for savings and loan associations.
N.C.G.S. § 24-2 — Penalty for usury; corporate bonds may be sold below par.
N.C.G.S. § 24-2.1 — Transactions governed by Chapter.
N.C.G.S. § 24-2.2 — Interest on extensions of credit by banks and savings and loan associations; exceptions.
N.C.G.S. § 24-2.3 — State opt-out from federal preemption.
N.C.G.S. § 24-2.4 — Prepayment of a loan if there are no prepayment terms or if the prepayment terms are not in accordance with law.
N.C.G.S. § 24-2.5 — Mortgage bankers and mortgage brokers.
N.C.G.S. § 24-3 — Time from which interest runs.
N.C.G.S. § 24-4 — Obligations due guardians to bear compound interest; rate of interest.
N.C.G.S. § 24-5 — Interest on judgments.
N.C.G.S. § 24-6 — Clerk to ascertain interest upon default judgment on bond, covenant, bill, note or signed account.
N.C.G.S. § 24-7 — Interest from verdict to judgment added as costs.
N.C.G.S. § 24-8 — Loans not in excess of $300,000; what interest, fees and charges permitted.
N.C.G.S. § 24-9 — Loans exempt from rate and fee limitations.
N.C.G.S. § 24-9.1 — Certain repayments to consumers by public utilities not subject to claim or defense of usury.
N.C.G.S. § 24-9.3 — Economic development loans.
N.C.G.S. § 24-10 — Maximum fees on loans secured by real property.
N.C.G.S. § 24-10.1 — Late fees.
N.C.G.S. § 24-10.2 — Consumer protections in certain home loans.
N.C.G.S. § 24-11 — Certain revolving credit charges.
N.C.G.S. § 24-11.1 — Disclosure requirements for credit cards.
N.C.G.S. § 24-11.2 — Disclosure requirements for charge cards.

Article 2 - Loans Secured by Secondary or Junior Mortgages

N.C.G.S. § 24-12 — Applicability of Article.
N.C.G.S. § 24-13 — Principal amount defined.
N.C.G.S. § 24-14 — Limitations on charges and interest.
N.C.G.S. § 24-16 — Itemized closing statements.
N.C.G.S. § 24-16.1 — Loans exempt from §§ 24-12 to 24-17.
N.C.G.S. § 24-17 — Misdemeanors.