HOUSE BILLS – 2025-2026
CODE: S=Support; N=Neutral or No Position; O=Opposed; Updated: February 26, 2025
| BILL NUM. | SHORT TITLE | NCBA POS. | INTRO DATE | HOUSE COM. | FULL HOUSE | SEN. COM. | FULL SEN. | GOV SIGN | COMMENTS |
|---|---|---|---|---|---|---|---|---|---|
| H 13 | Charge for Payments by Credit or Debit Card | N | Provides that a merchant shall not impose a charge for payments by credit card or debit card that is more than the charge that the merchant pays to a payment card entity to facilitate or process these payments | ||||||
| H 38 | Second Amendment Financial Privacy Act | N | 2/5/25 | 2/25/25 | Prohibits a payment card network from using a firearms code in connection with a payment card transaction; assesses penalties for each violation; the filed version exempts a bank from the definition of a payment card network | ||||
| H 62 | Farmers Protection Act | O | 2/6/25 | 2/25/25 | Makes it unlawful for “a bank to deny or cancel its service to an agricultural producer based, in whole or in part, upon the agricultural producer’s greenhouse gas emissions, use of fossil-fuel derived fertilizer, or use of fossil- fuel powered machinery; requires an annual attestation by a bank; imposes a penalty of up to $10,000 per violation and makes a violation an unfair and deceptive trade practice | ||||
| H 79 | North Carolina Work and Save | N | 2/11/25 | Would create a small business retirement savings program to be administered by a board placed for administrative purposes within the Department of Commerce; would not apply to employees of companies that are offering a tax- favored retirement program or offered one within the preceding two years; see also S 110 | |||||
| H 92 | NC Digital Assets Investments Act | N | 2/12/25 | Authorizes the State Treasurer to invest monies from the state’s general fund and from other funds like the teachers’ and state employees’ retirement system in digital assets, having an average market capitalization of at least $750 billion, up to a cap of 10% of the balance of the fund at the time of the investment | |||||
| H 133 | NC Farmland and Military Protection Act | N | 2/17/25 | Would prohibit an “adversarial foreign government” as defined in the bill from acquiring or leasing agricultural land or land within a 75-mile radius of a military installation; any transfer in violation would be void | |||||
| H 187 | Credit Union Update | N | 2/24/25 | Appears to be a refiling of H 410 from last session, which the NCBA opposed; we are reviewing to see if there are material differences | |||||
| H 188 | Automatic Renewal of Contracts | N | 2/24/25 | Amends requirements for certain automatically renewing consumer contracts; of likely concern, see page 2 where it proposes to eliminate the exception for banks and a variety of other businesses |
SENATE BILLS – 2025-2026
CODE: S=Support; N=Neutral or No Position; O=Opposed; Updated: February 26, 2025
| BILL NUM. | SHORT TITLE | NCBA POS. | INTRO DATE | SEN. COM. | FULL SEN. | HOU. COM. | FULL HOU. | GOV SIGN | COMMENTS |
|---|---|---|---|---|---|---|---|---|---|
| S 60 | GSC Attorneys’ Fees in Debt Instruments | N | 2/11/25 | Adds defined terms; specifies that GS 6-21.2 (“Attorneys’ fees in notes, etc., in addition to interest”) only applies to debt instruments governed by the laws of this State; changes the enforcement trigger for collection of attorneys’ fees under a debt instrument to after a debtor’s default; when the debt instrument does not specify an amount or percentage, a court must award the maximum rate unless the amount in controversy is greater than or equal to $1 million and in those instances, the court must award reasonable attorneys’ fees, not to exceed the maximum rate; Extends the time for payment of outstanding debts in response to notice of collection from 5 days to 14 days | |||||
| S 101 | Protect Certain Tax- Advantaged Accounts | N | 2/13/25 | Protects funds held in education savings accounts and ABLE accounts for persons with disabilities from claims of creditors | |||||
| S 110 | North Carolina Work and Save | N | 2/17/25 | Appears similar to H 79, but proposes to administratively house the NC Small Business Retirement Savings Board within the Department of the State Treasurer instead of the Department of Commerce | |||||
| S 117 | GSC Uniform Comm. Code/Emerging Technologies | N | 2/18/25 | A 94-page bill filed at the request of the General Statutes Commission (a committee appointed by the General Assembly and comprised of two legislators and a group of law school professors); Would create a new Article 12 of Chapter 25 (Uniform Commercial Code) consistent with proposals by the American Law Institute and the Uniform Law Commission to address emerging technologies like virtual currencies, blockchain, and artificial intelligence; Part II includes conforming changes to the UCC Article 9 (Secured Transactions) and Part III makes conforming changes to other articles | |||||
| S 122 | GSC Unif. Community Prop. Disp. At Death Act | N | 2/21/25 | Proposes to adopt the Uniform Community Property Disposition at Death Act as recommended by the General Statutes Commission; page 4 provides protections for third parties, including lien creditors | |||||
| S 159 | Elderly Prop. Tax Appreciation Exclusion | N | 2/25/25 | As the title suggests; on page 2, it addresses mortgages/deeds of trust, noting, among other things, that any provision in such an agreement that prohibits the owner from deferring taxes on property is void. |
Author: sdbrownlow
Student of Design