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NOTE: The Statutes on the North Carolina General Assembly website reflect changes made in the 2017 Regular Session. The changes from all Sessions are listed in the NC Statutes and Session Laws affected by ratified bills documents.

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North Carolina General Statutes
Chapter 24: Interest.

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Article 1 - General Provisions. [HTML] [RTF]
G.S. 24-1 24-1. Legal rate is eight percent.[HTML] [RTF]
G.S. 24-1.1 24-1.1. Contract rates and fees.[HTML] [RTF]
G.S. 24-1.1A 24-1.1A. Contract rates on home loans secured by first mortgages or first deeds of trust.[HTML] [RTF]
G.S. 24-1.1B 24-1.1B. Repealed by Session Laws 1979, c. 335.[HTML] [RTF]
G.S. 24-1.1C 24-1.1C: Repealed by Session Laws 1998-119, s. 2.[HTML] [RTF]
G.S. 24-1.1D 24-1.1D. Expired.[HTML] [RTF]
G.S. 24-1.1E 24-1.1E. Restrictions and limitations on high-cost home loans.[HTML] [RTF]
G.S. 24-1.1F 24-1.1F. Rate spread home loans.[HTML] [RTF]
G.S. 24-1.2 24-1.2: Repealed by Session Laws 1998-119, s. 2.[HTML] [RTF]
G.S. 24-1.2A 24-1.2A. Equity lines of credit.[HTML] [RTF]
G.S. 24-1.3 24-1.3: Repealed by Session Laws 1979, 2nd Session, c. 1302, s. 3.[HTML] [RTF]
G.S. 24-1.4 24-1.4. Interest rates for savings and loan associations.[HTML] [RTF]
G.S. 24-2 24-2. Penalty for usury; corporate bonds may be sold below par.[HTML] [RTF]
G.S. 24-2.1 24-2.1. Transactions governed by Chapter.[HTML] [RTF]
G.S. 24-2.2 24-2.2. Interest on extensions of credit by banks and savings and loan associations; exceptions.[HTML] [RTF]
G.S. 24-2.3 24-2.3. State opt-out from federal preemption.[HTML] [RTF]
G.S. 24-2.4 24-2.4. Prepayment of a loan if there are no prepayment terms or if the prepayment terms are not in accordance with law.[HTML] [RTF]
G.S. 24-2.5 24-2.5. Mortgage bankers and mortgage brokers.[HTML] [RTF]
G.S. 24-3 24-3. Time from which interest runs.[HTML] [RTF]
G.S. 24-4 24-4. Obligations due guardians to bear compound interest; rate of interest.[HTML] [RTF]
G.S. 24-5 24-5. Interest on judgments.[HTML] [RTF]
G.S. 24-6 24-6. Clerk to ascertain interest upon default judgment on bond, covenant, bill, note or signed account.[HTML] [RTF]
G.S. 24-7 24-7. Interest from verdict to judgment added as costs.[HTML] [RTF]
G.S. 24-8 24-8. Loans not in excess of $300,000; what interest, fees and charges permitted.[HTML] [RTF]
G.S. 24-9 24-9. Loans exempt from rate and fee limitations.[HTML] [RTF]
G.S. 24-9.1 24-9.1. Certain repayments to consumers by public utilities not subject to claim or defense of usury.[HTML] [RTF]
G.S. 24-9.2 24-9.2: Repealed by Session Laws 1995, c. 351, s. 14.[HTML] [RTF]
G.S. 24-9.3 24-9.3. Economic development loans.[HTML] [RTF]
G.S. 24-10 24-10. Maximum fees on loans secured by real property.[HTML] [RTF]
G.S. 24-10.1 24-10.1. Late fees.[HTML] [RTF]
G.S. 24-10.2 24-10.2. Consumer protections in certain home loans.[HTML] [RTF]
G.S. 24-11 24-11. Certain revolving credit charges.[HTML] [RTF]
G.S. 24-11.1 24-11.1. Disclosure requirements for credit cards.[HTML] [RTF]
G.S. 24-11.2 24-11.2. Disclosure requirements for charge cards.[HTML] [RTF]
Article 2 - Loans Secured by Secondary or Junior Mortgages. [HTML] [RTF]
G.S. 24-12 24-12. Applicability of Article.[HTML] [RTF]
G.S. 24-13 24-13. Principal amount defined.[HTML] [RTF]
G.S. 24-14 24-14. Limitations on charges and interest.[HTML] [RTF]
G.S. 24-15 24-15: Repealed by Session Laws 1979, 2nd Session, c. 1157, s. 7.[HTML] [RTF]
G.S. 24-16 24-16. Itemized closing statements.[HTML] [RTF]
G.S. 24-16.1 24-16.1. Loans exempt from 24-12 to 24-17.[HTML] [RTF]
G.S. 24-17 24-17. Misdemeanors.[HTML] [RTF]