{"data":{"id":"us-nc/n.c.-gen.-stat.-24-2.3","jurisdiction":"us-nc","citation":"N.C. Gen. Stat. § 24-2.3","heading":"State opt-out from federal preemption.","body":"(a)\tThe provisions of section 501, of United States Public Law 96-221, as well as any modifications made to date, shall not apply to loans, mortgages, credit sales and advances made in this State.\n(b)\tEffective July 1, 1995, sections 521-524 of United States Public Law 96-221, shall apply to loans, mortgages, credit sales, and advances made in this State on or after that date as if North Carolina had never opted out of sections 521-524 of United States Public Law 96-221. (1983, c. 126, s. 1; 1995, c. 387, s. 1.)","path":["Chapter 24. Interest.","Article 1. General Provisions."],"source_url":"https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_24/GS_24-2.3.html","current_through":"S.L. 2026-30","vintage":"","retrieved_at":"2026-08-27T17:58:42Z","sha256":"4d0859100894d122650b9b63da620eb55cecd283aab11948681c9e65f1d30d61","source_id":"us-nc","stale":false,"prev":"us-nc/n.c.-gen.-stat.-24-2.2","next":"us-nc/n.c.-gen.-stat.-24-2.4"},"notice":"GroundRules: Original legal text. Not legal advice."}