Article

General Provisions

N.C. Gen. Stat. § 24-1— Legal rate is eight percent
N.C. Gen. Stat. § 24-1.1— Contract rates and fees
N.C. Gen. Stat. § 24-1.1A— Contract rates on home loans secured by first mortgages or first deeds of trust
N.C. Gen. Stat. § 24-1.1B— Repealed by Session Laws 1979, c. 335
N.C. Gen. Stat. § 24-1.1D— Expired
N.C. Gen. Stat. § 24-1.1E— Restrictions and limitations on high-cost home loans
N.C. Gen. Stat. § 24-1.1F— Rate spread home loans
N.C. Gen. Stat. § 24-1.2A— Equity lines of credit
N.C. Gen. Stat. § 24-1.4— Interest rates for savings and loan associations
N.C. Gen. Stat. § 24-2— Penalty for usury; corporate bonds may be sold below par
N.C. Gen. Stat. § 24-2.1— Transactions governed by Chapter
N.C. Gen. Stat. § 24-2.2— Interest on extensions of credit by banks and savings and loan associations; exceptions
N.C. Gen. Stat. § 24-2.3— State opt-out from federal preemption
N.C. Gen. Stat. § 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. Gen. Stat. § 24-2.5— Mortgage bankers and mortgage brokers
N.C. Gen. Stat. § 24-3— Time from which interest runs
N.C. Gen. Stat. § 24-4— Obligations due guardians to bear compound interest; rate of interest
N.C. Gen. Stat. § 24-5— Interest on judgments
N.C. Gen. Stat. § 24-6— Clerk to ascertain interest upon default judgment on bond, covenant, bill, note or signed account
N.C. Gen. Stat. § 24-7— Interest from verdict to judgment added as costs
N.C. Gen. Stat. § 24-8— Loans not in excess of $300,000; what interest, fees and charges permitted
N.C. Gen. Stat. § 24-9— Loans exempt from rate and fee limitations
N.C. Gen. Stat. § 24-9.1— Certain repayments to consumers by public utilities not subject to claim or defense of usury
N.C. Gen. Stat. § 24-9.3— Economic development loans
N.C. Gen. Stat. § 24-10— Maximum fees on loans secured by real property
N.C. Gen. Stat. § 24-10.1— Late fees
N.C. Gen. Stat. § 24-10.2— Consumer protections in certain home loans
N.C. Gen. Stat. § 24-11— Certain revolving credit charges
N.C. Gen. Stat. § 24-11.1— Disclosure requirements for credit cards
N.C. Gen. Stat. § 24-11.2— Disclosure requirements for charge cards