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NOTE: The Statutes on the North Carolina General Assembly website reflect changes made in the 2016 Regular Session. The changes do not include the 4th Special Session held in December 2016. 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 25A: Retail Installment Sales Act.

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G.S. 25A-1 25A-1. Scope of act.[HTML] [RTF]
G.S. 25A-2 25A-2. "Consumer credit sale" defined.[HTML] [RTF]
G.S. 25A-3 25A-3. "Payable in installments" defined.[HTML] [RTF]
G.S. 25A-4 25A-4. "Goods" defined.[HTML] [RTF]
G.S. 25A-5 25A-5. "Services" defined.[HTML] [RTF]
G.S. 25A-6 25A-6. "Seller" defined.[HTML] [RTF]
G.S. 25A-7 25A-7. "Cash price" defined.[HTML] [RTF]
G.S. 25A-8 25A-8. "Finance charge" defined.[HTML] [RTF]
G.S. 25A-9 25A-9. "Amount financed" defined.[HTML] [RTF]
G.S. 25A-10 25A-10. "Official fees" defined.[HTML] [RTF]
G.S. 25A-11 25A-11. "Revolving charge account contract" defined.[HTML] [RTF]
G.S. 25A-12 25A-12. "Consumer credit installment sale contract" defined.[HTML] [RTF]
G.S. 25A-13 25A-13. "Consumer Credit Protection Act" defined.[HTML] [RTF]
G.S. 25A-14 25A-14. Finance charge rates and service charge for revolving charge account contracts.[HTML] [RTF]
G.S. 25A-15 25A-15. Finance charge rates for consumer credit installment sale contracts.[HTML] [RTF]
G.S. 25A-16 25A-16. Transfer of equity.[HTML] [RTF]
G.S. 25A-17 25A-17. Additional charges for insurance.[HTML] [RTF]
G.S. 25A-18 25A-18. Confession of judgment.[HTML] [RTF]
G.S. 25A-19 25A-19. Acceleration.[HTML] [RTF]
G.S. 25A-20 25A-20. Disclaimer of warranty.[HTML] [RTF]
G.S. 25A-21 25A-21. Attorneys' fees.[HTML] [RTF]
G.S. 25A-22 25A-22. Receipts for payments; return of title documents upon full payment.[HTML] [RTF]
G.S. 25A-23 25A-23. Collateral taken by the seller.[HTML] [RTF]
G.S. 25A-24 25A-24. Identification of instruments of indebtedness.[HTML] [RTF]
G.S. 25A-25 25A-25. Preservation of consumers' claims and defenses.[HTML] [RTF]
G.S. 25A-26 25A-26. Substitution of collateral.[HTML] [RTF]
G.S. 25A-27 25A-27. Application of payments.[HTML] [RTF]
G.S. 25A-28 25A-28. Form of consumer credit installment sale contract.[HTML] [RTF]
G.S. 25A-29 25A-29. Default charges.[HTML] [RTF]
G.S. 25A-30 25A-30. Deferral charges.[HTML] [RTF]
G.S. 25A-31 25A-31. Consolidation and refinancing.[HTML] [RTF]
G.S. 25A-32 25A-32. Rebates on prepayment.[HTML] [RTF]
G.S. 25A-32.1 25A-32.1. Unearned finance charge credits on prepayment of loans secured by real property and mobile home loans.[HTML] [RTF]
G.S. 25A-33 25A-33. Terms of payments.[HTML] [RTF]
G.S. 25A-34 25A-34. Balloon payments.[HTML] [RTF]
G.S. 25A-35 25A-35. Statement of account.[HTML] [RTF]
G.S. 25A-36 25A-36. Certificates of insurance and rebates.[HTML] [RTF]
G.S. 25A-37 25A-37. Referral sales.[HTML] [RTF]
G.S. 25A-38 25A-38. "Home-solicitation sale" defined.[HTML] [RTF]
G.S. 25A-39 25A-39. Buyer's right to cancel.[HTML] [RTF]
G.S. 25A-40 25A-40. Form of agreement or offer; statement of buyer's rights.[HTML] [RTF]
G.S. 25A-41 25A-41. Restoration of down payment; retention of goods.[HTML] [RTF]
G.S. 25A-42 25A-42. Duties as to care and return of goods; no compensation for services prior to cancellation.[HTML] [RTF]
G.S. 25A-43 25A-43. Unconscionability.[HTML] [RTF]
G.S. 25A-44 25A-44. Remedies and penalties.[HTML] [RTF]
G.S. 25A-45 25A-45. Conflict with Consumer Credit Protection Act.[HTML] [RTF]