
Facts & Statistics
STATE STATISTICS | |
Population 2020 |
10,600,823 |
Population 2019 | 10,501,384 |
Population 2018 |
10,383,620 |
Population 2017 | 10,270,800 |
Population 2016 | 10,156,679 |
Below Poverty 2019 | 13.6 |
Below Poverty 2018 | 13.1 |
Below Poverty 2017 | 14.7 |
Below Poverty 2016 | 15.4 |
Employment – Population Ratio 2019 | 59.2 |
Employment – Population Ratio 2018 |
58.8 |
Employment – Population Ratio 2017 | 58.8 |
Employment – Population Ratio 2016 | 58.3 |
Unemployed 2020 | 6.2 |
Unemployed 2019 | 3.9 |
Unemployed 2018 | 3.9 |
Unemployed 2017 | 4.5 |
Unemployed 2016 | 5.1 |
Foreclosure Rate 2018 | 1 of 2,127 |
STATE FACTS |
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The first English colony in America was located on Roanoke Island. The colony mysteriously vanished with no trace except for the word “Croatoan” scrawled on a nearby tree. |
Mount Mitchell in the Blue Ridge Mountains is the highest peak east of the Mississippi. It towers 6,684 feet above sea level. |
North Carolina has 1,500 lakes of 10 acres or more in size and 37,000 miles of fresh water streams. |
Government
ELECTED OFFICIALS | |
Governor |
Roy Cooper (D) |
Lieutenant Governor | Mark Robinson (R) |
Attorney General | Josh Stein (D) |
Secretary of State | Elaine Marshall (D) |
State Senate Control | R – 28; D – 22 |
State House Control | R – 69; D – 51 |
Legislative Process
LEGISLATIVE DATES AND DEADLINES | |
Convenes | January 13, 2021 |
Sine Die Adjournment | July 2, 2021 |
Committee Action Deadlines | N/A |
Crossover Deadline | May 13, 2021 |
Carryover from Previous Session | Yes (2021 – 2022) |
Governor’s Signing Deadline (in session) | 10 days |
Governor’s Signing Deadline (after adjournment) | 30 days; if vetoed, the governor must reconvene the session, or the bill becomes law 40 days following adjournment |
Veto Override | 3/5 majority |
Legislation Effective Date | 60 days after adjournment |
Notable Laws & Legislation
SAFE Act
- NC HB 1523 (now N.C. Gen. Stat. c. 53, Article 19B)
- HUD review of North Carolina’s SAFE Act
Security Breach Notification Law
Retail Installment Sales Contract Law
Enforcement
Consumer Complaints
Regulatory Actions
Featured Regulations
Regulatory Guidelines
- NC Consumer Finance Administration Administrative Interpretations
- NC Consumer Finance Administration Court Cost in Voluntary Dismissals Memo (February 2015)
- NC Consumer Finance Administration Deferral Charge Memo (June 2014)
- NC Commissioner of Banks Revenue Administrative Interpretation 5-Effect of Ancillary Proceedings & Judgments on Contract Interest Rate (June 2014)
Advocacy, Initiatives & Reports
Advocacy
- 33 States Amicus Brief re: Telephone Consumer Protection Act (March 2020)
- 23 State & DC Letter to FDIC re: “Rent-A-Bank” Predatory Lending (February 2020)
- 25 State & DC Letter to Education Department re: Student Loan Debt Relief (February 2020)
- 23 State & DC Amicus Brief re: Constitutionality of CFPB (January 2020)
- 21 State & DC Letter to OCC re: “Rent-A-Bank” Predatory Lending (January 2020)
- 19 State & DC Letter to Congress re: Education Department Borrower Defense Rule (January 2020)
- 20 State & DC Amicus Brief re: Public Student Loan Forgiveness (November 2019)
- 22 State Letter to Education Department re: Student Loan Forgiveness (November 2019)
- 21 State & DC Letter to HUD re: Housing Discrimination (October 2019)
- 29 State & DC Letter to Education Department re: Student Loan Fraud (October 2019)
- 27 State & DC Letter to CFPB re: Debt Collection Rule (September 2019)
- 31 States & DC Amicus Brief re: Student Loans (August 2019)
- 50 States & DC Letter to FCC re: Robocalls (August 2019)
- 24 States & DC Letter to CFPB re: Overdraft Rule (July 2019)
- 40 States & DC Letter to FTC re: Data Privacy (June 2019)
- 50 States & DC Letter to Education Department re: Student Loans for Disabled Veterans (May 2019)
- 24 States & DC Letter to CFPB re: Payday Rule (May 2019)
- 33 States & DC Letter to Congress re: Marijuana Banking (May 2019)
- 41 States & DC Letter to FCC re: Robocalls (May 2019)
- 20 States & DC letter to Education Department re: Student Loan Disclosure to Law Enforcement (April 2019)
- 24 State & DC Letter to CFPB re: Payday Lending Rule (March 2019)
- 50 States & DC Letter to U.S. Senate Committee on Commerce, Science & Transportation re: Robocalls (March 2019)
- 30 States & DC Letter to FTC re: Identity Theft Rule (February 2019)
- 22 State AGs Letter to CFPB re: Regulatory Sandbox (February 2019)
- 14 State AGs Letter to FDIC re: Small-Dollar Lending (January 2019)
- 14 State AGs letter to Office of the Comptroller of the Currency re: Community Reinvestment Act (November 2018)
- 21 State AGs letter to Department of Education re: closed-school loan discharge regulations (October 2018)
- 33 State AGs letter to CFPB re: Military Lending Act (October 2018)
- 17 State AGs letter to HUD re: Affirmatively Furthering Fair Housing rule (October 2018)
- 8 State AGs Amicus Brief re: Student Loan Debt Relief (October 2018)
- 12 State AGs letter to CFPB re: proposed revisions to disclosure sandbox program (October 2018)
- 35 State AGs Letter to Federal Communications Commission (FCC) re: Robocalls (October 2018)
- 14 State AGs letter urging CFPB to continue enforcing the Equal Credit Opportunity Act’s disparate impact liability provision (September 2018)
- 17 State AGs letter urging HUD not to undermine the Agency’s Fair Housing Act (FHA) disparate impact regulations (August 2018)
- 20 State AGs letter urging Secretary of Education to share student loan information with law enforcement (July 2018)
- 20 State AGs letter to Congress opposing valid-when-made legislation (June 2018)
- 14 State AGs letter urging CFPB to retain public database of consumer complaints (June 2018)
- 16 State AGs letter urging the Trump Administration to respect the CFPB’s investigative authority (April 2018)
- 20 State AGs letter to Congress regarding proposed FDCPA amendments (April 2018)
- 32 AGs letter urging Congress to preserve state’s authority to enforce data breach & security laws (March 2018)
- 30 AGs letter to Congress urging it to reject legislation that would block state oversight of student loan servicing industry (March 2018)
- 20 State AGs letter to Education Secretary re student borrower defense proposal (March 2018)
- 16 State AGs letter to President re CFPB (December 2017)
- 36 State AGs Letter 1 and Letter 2 – Credit Freeze Fees (October 2017)
- 43 State AGs Letter – Major Data Breach (September 2017)
Reports