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