NCAC Table of Contents
NCAC
NCAC > Title 04 - Commerce > Chapter 03 - Banking Commission
SubChapter AORGANIZATION

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04 NCAC 03A .0101NAME: LOCATION AND ADDRESSPDF | DOC
04 NCAC 03A .0102-0107REPEALEDPDF | DOC
04 NCAC 03A .0201-0206REPEALEDPDF | DOC
04 NCAC 03A .0301-0305REPEALEDPDF | DOC
 
SubChapter BRULE-MAKING AND CONTESTED CASES

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04 NCAC 03B .0101PETITIONSPDF | DOC
04 NCAC 03B .0102NOTICEPDF | DOC
04 NCAC 03B .0103HEARINGSPDF | DOC
04 NCAC 03B .0104TEMPORARY RULESPDF | DOC
04 NCAC 03B .0105DECLARATORY RULINGSPDF | DOC
04 NCAC 03B .0201-.0206REPEALEDPDF | DOC
04 NCAC 03B .0207WAIVERPDF | DOC
04 NCAC 03B .0208DEPOSITIONSPDF | DOC
04 NCAC 03B .0209-.0218REPEALEDPDF | DOC
04 NCAC 03B .0219DEFINITIONSPDF | DOC
04 NCAC 03B .0220HEARINGSPDF | DOC
04 NCAC 03B .0221APPLICATION OF THE RULES OF CIVIL PROCEDUREPDF | DOC
04 NCAC 03B .0222FILING OF DOCUMENTSPDF | DOC
04 NCAC 03B .0223REQUEST FOR A HEARINGPDF | DOC
04 NCAC 03B .0224DATE, TIME AND LOCATION OF HEARING; MOTIONS TO CONTINUEPDF | DOC
04 NCAC 03B .0225MOTIONSPDF | DOC
04 NCAC 03B .0226PRE-HEARING CONFERENCEPDF | DOC
04 NCAC 03B .0227HEARINGSPDF | DOC
04 NCAC 03B .0228STIPULATIONSPDF | DOC
04 NCAC 03B .0301APPOINTMENT OF APPELLATE PANELPDF | DOC
04 NCAC 03B .0302RECORD ON APPEAL; HEARING DATE; MEMORANDA OF LAWPDF | DOC
04 NCAC 03B .0303ORAL ARGUMENTPDF | DOC
04 NCAC 03B .0304COMMISSION REVEW OF APPELLATE PANEL'S RECOMMENDED DECISIONPDF | DOC
 
SubChapter CBANKS

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04 NCAC 03C .0101APPLICATIONPDF | DOC
04 NCAC 03C .0102EXAMINATION BY COMMISSIONERPDF | DOC
04 NCAC 03C .0103REPORT TO BANKING COMMISSIONPDF | DOC
04 NCAC 03C .0104REVIEW BY BANKING COMMISSIONPDF | DOC
04 NCAC 03C .0105-0106REPEALEDPDF | DOC
04 NCAC 03C .0107BANK CERTIFICATEPDF | DOC
04 NCAC 03C .0108JUDICIAL REVIEWPDF | DOC
04 NCAC 03C .0109APPLICATION TO ESTABLISH BANK: CONDITIONAL APPROVALPDF | DOC
04 NCAC 03C .0110ORGANIZATIONAL EXPENSESPDF | DOC
04 NCAC 03C .0111NATIONAL BANK CONVERSIONPDF | DOC
04 NCAC 03C .0112ELIMINATION OF DIRECTOR LIABILITYPDF | DOC
04 NCAC 03C .0201ESTABLISHMENT OF BRANCHES AND LIMITED SERVICE FACILITIESPDF | DOC
04 NCAC 03C .0202DISCONTINUANCEPDF | DOC
04 NCAC 03C .0203DISCONTINUANCE OF A LIMITED SERVICE FACILITYPDF | DOC
04 NCAC 03C .0204CONVERSION OF BRANCH TO LIMITED SERVICE FACILITYPDF | DOC
04 NCAC 03C .0301CHANGE OF LOCATION OF MAIN OFFICE, BRANCH OR LTD SVC FACILITYPDF | DOC
04 NCAC 03C .0302-0306REPEALEDPDF | DOC
04 NCAC 03C .0401APPLICATIONPDF | DOC
04 NCAC 03C .0402PUBLICATIONPDF | DOC
04 NCAC 03C .0403INVESTIGATIONPDF | DOC
04 NCAC 03C .0404REPORTPDF | DOC
04 NCAC 03C .0405REVIEW BY THE BANKING COMMISSIONPDF | DOC
04 NCAC 03C .0406FILING WITH SECRETARY OF STATEPDF | DOC
04 NCAC 03C .0407WAIVER BY COMMISSIONERPDF | DOC
04 NCAC 03C .0501-0502REPEALEDPDF | DOC
04 NCAC 03C .0503DAYS AND HOURS OF REGULAR OPERATIONPDF | DOC
04 NCAC 03C .0601-0602REPEALEDPDF | DOC
04 NCAC 03C .0701 - .0703REPEALEDPDF | DOC
04 NCAC 03C .0704-0705REPEALEDPDF | DOC
04 NCAC 03C .0801OATH OF DIRECTORSPDF | DOC
04 NCAC 03C .0802DEPOSITORY BANKSPDF | DOC
04 NCAC 03C .0803OTHER REAL ESTATEPDF | DOC
04 NCAC 03C .0804SUSPENSION OF INVESTMENT AND LOAN LIMITATIONPDF | DOC
04 NCAC 03C .0805-0806REPEALEDPDF | DOC
04 NCAC 03C .0807SUBSIDIARY INVESTMENT APPROVALPDF | DOC
04 NCAC 03C .0901BOOKS AND RECORDSPDF | DOC
04 NCAC 03C .0902REQUIRED ACCOUNTSPDF | DOC
04 NCAC 03C .0903RETENTION: REPRODUCTION AND DISPOSITION OF BANK RECORDSPDF | DOC
04 NCAC 03C .0904LETTERS OF CREDITPDF | DOC
04 NCAC 03C .1001LOAN DOCUMENTATIONPDF | DOC
04 NCAC 03C .1002LEASING OF PERSONAL PROPERTYPDF | DOC
04 NCAC 03C .1101-.1102REPEALEDPDF | DOC
04 NCAC 03C .1103CAPITAL STOCKPDF | DOC
04 NCAC 03C .1104MAINTENANCE OF CAPITAL SURPLUSPDF | DOC
04 NCAC 03C .1105NOTICE OF IMPAIRMENTPDF | DOC
04 NCAC 03C .1201SCHOOL THRIFT OR SAVINGS PLANPDF | DOC
04 NCAC 03C .1202RESUME OF THE PLANPDF | DOC
04 NCAC 03C .1301ANNUAL VACATIONPDF | DOC
04 NCAC 03C .1302SHARE PURCHASE AND OPTION PLANSPDF | DOC
04 NCAC 03C .1303INSIDER TRANSACTIONSPDF | DOC
04 NCAC 03C .1401REQUIREMENT OF RESERVE FUNDPDF | DOC
04 NCAC 03C .1402BASIS FOR COMPUTATION AND MAINTENANCEPDF | DOC
04 NCAC 03C .1403RESERVE FUND DEFINEDPDF | DOC
04 NCAC 03C .1501-.1502REPEALEDPDF | DOC
04 NCAC 03C .1601FEES, COPIES AND PUBLICATION COSTSPDF | DOC
04 NCAC 03C .1701DEFINITIONSPDF | DOC
04 NCAC 03C .1702ESTABLISHMENT OF A LOAN PRODUCTION OFFICE (LPO)PDF | DOC
04 NCAC 03C .1703ESTABLISHMENT OF LOCKBOX SERVICESPDF | DOC
04 NCAC 03C .1704ESTABLISHMENT OF A TRUST REPRESENTATIVE OFFICE (TRO)PDF | DOC
04 NCAC 03C .1801ESTABLISHMENT OF COURIER SERVICESPDF | DOC
04 NCAC 03C .1802COMPLIANCE AND DISCLOSURE REQUIREMENTSPDF | DOC
 
SubChapter DBANKS ACTING IN A FIDUCIARY CAPACITY

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04 NCAC 03D .0101APPLICATIONPDF | DOC
04 NCAC 03D .0102-0104REPEALEDPDF | DOC
04 NCAC 03D .0201EXAMINING COMMITTEE REPORT OF TRUST DEPARTMENTPDF | DOC
04 NCAC 03D .0202REPORT OF TRUST DEPARTMENTPDF | DOC
04 NCAC 03D .0301DEFINITIONSPDF | DOC
04 NCAC 03D .0302ADMINISTRATION OF FIDUCIARY POWERSPDF | DOC
04 NCAC 03D .0303BOOKS AND RECORDS; SURCHARGESPDF | DOC
04 NCAC 03D .0304COLLECTIVE INVESTMENTPDF | DOC
04 NCAC 03D .0305USE OF SECURITIES CLEARING CORPORATIONSPDF | DOC
 
SubChapter ELICENSEES UNDER NORTH CAROLINA CONSUMER FINANCE ACT

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04 NCAC 03E .0101APPLICATIONPDF | DOC
04 NCAC 03E .0102APPROVALPDF | DOC
04 NCAC 03E .0103-0105REPEALEDPDF | DOC
04 NCAC 03E .0106MOTOR VEHICLE LENDERSPDF | DOC
04 NCAC 03E .0201OPERATION OF OTHER BUSINESS IN SAME OFFICEPDF | DOC
04 NCAC 03E .0202-0203REPEALEDPDF | DOC
04 NCAC 03E .0204TRANSFER OF LICENSE AND CHANGE OF LOCATIONPDF | DOC
04 NCAC 03E .0301CHANGE OF OWNERSHIP OR MANAGEMENTPDF | DOC
04 NCAC 03E .0302ANNUAL REPORTPDF | DOC
04 NCAC 03E .0401EXAMINATIONPDF | DOC
04 NCAC 03E .0402REPORTS OF EXAMINATIONPDF | DOC
04 NCAC 03E .0501-0502REPEALEDPDF | DOC
04 NCAC 03E .0601BOOKS AND RECORDSPDF | DOC
04 NCAC 03E .0602COLLECTION PRACTICESPDF | DOC
04 NCAC 03E .0603DEFERMENT CHARGESPDF | DOC
 
SubChapter FLICENSEES UNDER MONEY TRANSMITTERS ACT

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04 NCAC 03F .0101-0103REPEALEDPDF | DOC
04 NCAC 03F .0104-0105REPEALEDPDF | DOC
04 NCAC 03F .0201DEFINITIONSPDF | DOC
04 NCAC 03F .0202PERMISSIBLE INVESTMENTSPDF | DOC
04 NCAC 03F .0301APPLICATION FOR A LICENSEPDF | DOC
04 NCAC 03F .0302ISSUANCE OF A LICENSEPDF | DOC
04 NCAC 03F .0303LICENSE FEESPDF | DOC
04 NCAC 03F .0304AGENT LOCATION FEEPDF | DOC
04 NCAC 03F .0401CERTIFICATE OF AUTHORITYPDF | DOC
04 NCAC 03F .0402SURRENDER OF LICENSEPDF | DOC
04 NCAC 03F .0501GENERALLY ACCEPTED ACCOUNTING PRINCIPLESPDF | DOC
04 NCAC 03F .0502STATEMENT OF NET WORTHPDF | DOC
04 NCAC 03F .0503ANNUAL STATEMENTPDF | DOC
04 NCAC 03F .0504AGENT ACTIVITY REPORTSPDF | DOC
04 NCAC 03F .0505AMENDMENTS TO APPLICATIONPDF | DOC
04 NCAC 03F .0506REVOCATION OR CANCELLATION OF SURETY BONDPDF | DOC
04 NCAC 03F .0507CEASING OPERATIONSPDF | DOC
04 NCAC 03F .0508IMPAIRMENT OF MINIMUM NET WORTHPDF | DOC
04 NCAC 03F .0509DISHONOR OR DEFAULT IN PAYMENT INSTRUMENTPDF | DOC
04 NCAC 03F .0601RECORD AND BOOKKEEPING REQUIREMENTSPDF | DOC
04 NCAC 03F .0602EXAMINATION FEEPDF | DOC
04 NCAC 03F .0701HEARINGSPDF | DOC
 
SubChapter GFUNERAL AND BURIAL TRUST FUNDS

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04 NCAC 03G .0101-0103REPEALEDPDF | DOC
04 NCAC 03G .0104DEFINITIONS; FILINGSPDF | DOC
04 NCAC 03G .0201-0202REPEALEDPDF | DOC
04 NCAC 03G .0203EXPIRATION AND RENEWALPDF | DOC
04 NCAC 03G .0301-0303REPEALEDPDF | DOC
04 NCAC 03G .0401-0403REPEALEDPDF | DOC
04 NCAC 03G .0501RECORD AND BOOKKEEPING REQUIREMENTSPDF | DOC
04 NCAC 03G .0502ANNUAL REPORTPDF | DOC
04 NCAC 03G .0503-0504REPEALEDPDF | DOC
04 NCAC 03G .0601REVOCATION OR SUSPENSION; HEARINGSPDF | DOC
 
SubChapter HAPPLICATIONS BY REGIONAL BANK HOLDING COMPANIES

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04 NCAC 03H .0101APPLICATION FEESPDF | DOC
04 NCAC 03H .0102REGIONAL BANK HOLDING COMPANY ACQUISITIONSPDF | DOC
04 NCAC 03H .0103BANK HOLDING COMPANY REGISTRATIONPDF | DOC
 
SubChapter IMORTGAGE BANKER/BROKER

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04 NCAC 03I .0101DEFINITIONS; FILINGSPDF | DOC
04 NCAC 03I .0201FINANCIAL REQUIREMENTS FOR MORTGAGE BANKERS AND MORTGAGE BROKERSPDF | DOC
04 NCAC 03I .0202-0203REPEALEDPDF | DOC
04 NCAC 03I .0204SURETY BONDPDF | DOC
04 NCAC 03I .0205-.0206REPEALEDPDF | DOC
04 NCAC 03I .0301-.0306REPEALEDPDF | DOC
04 NCAC 03I .0401-.0406REPEALEDPDF | DOC
04 NCAC 03I .0501-.0503REPEALEDPDF | DOC
04 NCAC 03I .0601-.0605REPEALEDPDF | DOC
04 NCAC 03I .0701-.0706REPEALEDPDF | DOC
 
SubChapter JREFUND ANTICIPATION LOAN

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04 NCAC 03J .0101DEFINITIONS; FILINGSPDF | DOC
04 NCAC 03J .0201APPLICATION FOR REGISTRATION AS A FACILITATORPDF | DOC
04 NCAC 03J .0202ISSUANCE OF A CERTIFICATE OF REGISTRATIONPDF | DOC
04 NCAC 03J .0203EXPIRATION AND RENEWALPDF | DOC
04 NCAC 03J .0204APPLICATION FOR RENEWAL OF CERTIFICATE OF REGISTRATIONPDF | DOC
04 NCAC 03J .0205NONTRANSFERABILITY OF CERTIFICATE OF REGISTRATIONPDF | DOC
04 NCAC 03J .0301CHECK CASHING SERVICESPDF | DOC
04 NCAC 03J .0302RECORD AND BOOKKEEPING REQUIREMENTSPDF | DOC
04 NCAC 03J .0303FILING AND POSTING OF FEE SCHEDULEPDF | DOC
04 NCAC 03J .0304DISCLOSURESPDF | DOC
04 NCAC 03J .0305AMENDMENTS TO APPLICATIONPDF | DOC
04 NCAC 03J .0306CESSATION OF OPERATIONSPDF | DOC
04 NCAC 03J .0401HEARINGSPDF | DOC
04 NCAC 03J .0402EXAMINATIONS, AUDITSPDF | DOC
 
SubChapter KREVERSE MORTGAGES

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04 NCAC 03K .0101DEFINITIONS; FILINGSPDF | DOC
04 NCAC 03K .0201APPLICATION FOR AUTHORIZATION AS A REVERSE MORTGAGE LENDERPDF | DOC
04 NCAC 03K .0202NOTIFICATION OF INTENT TO ENGAGE IN REVERSE MORTGAGE LENDINGPDF | DOC
04 NCAC 03K .0203CURRENT AUTHORIZED LENDER INFORMATIONPDF | DOC
04 NCAC 03K .0204ANNUAL REGISTRATION FEEPDF | DOC
04 NCAC 03K .0205CERTIFICATE OF AUTHORIZATIONPDF | DOC
04 NCAC 03K .0206NONTRANSFERABILITY OF CERTIFICATE OF AUTHORIZATIONPDF | DOC
04 NCAC 03K .0301MINIMUM NET WORTH REQUIREMENT FOR AUTHORIZED LENDER OR LENDERSPDF | DOC
04 NCAC 03K .0302SURETY BONDSPDF | DOC
04 NCAC 03K .0401CERTIFIED FINANCIAL STATEMENTSPDF | DOC
04 NCAC 03K .0402RECORD AND BOOKKEEPING REQUIREMENTSPDF | DOC
04 NCAC 03K .0403EXAMINATIONSPDF | DOC
04 NCAC 03K .0404WITHDRAWAL/TERMINATION OF AUTHORIZATION AS REVERSE MTG. LENDERPDF | DOC
04 NCAC 03K .0405IMPAIRMENT OF MINIMUM NET WORTH, AND SURETY BONDPDF | DOC
04 NCAC 03K .0501REVERSE MORTGAGE LENDER APPLICATION DISCLOSUREPDF | DOC
04 NCAC 03K .0502PERMITTED FEESPDF | DOC
04 NCAC 03K .0601COUNSELINGPDF | DOC
04 NCAC 03K .0701PROHIBITED ACTSPDF | DOC
04 NCAC 03K .0702ENFORCEMENT ACTIONSPDF | DOC
04 NCAC 03K .0703HEARINGSPDF | DOC
 
SubChapter LCHECK-CASHING BUSINESSES

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04 NCAC 03L .0101DEFINITIONSPDF | DOC
04 NCAC 03L .0102FILINGSPDF | DOC
04 NCAC 03L .0201APPLICATION FOR LICENSEPDF | DOC
04 NCAC 03L .0202FEESPDF | DOC
04 NCAC 03L .0301ISSUANCEPDF | DOC
04 NCAC 03L .0302NONTRANSFERABILITY OF LICENSEPDF | DOC
04 NCAC 03L .0303ANNUAL RENEWAL OF LICENSEPDF | DOC
04 NCAC 03L .0401POSTING OF LICENSE OR BRANCH CERTIFICATEPDF | DOC
04 NCAC 03L .0402SURRENDER OF LICENSEPDF | DOC
04 NCAC 03L .0403POSTING OF FEESPDF | DOC
04 NCAC 03L .0404CASH-OUT TRANSACTIONSPDF | DOC
04 NCAC 03L .0405LIMITATION ON DELAYED DEPOSIT CHECK CASHINGPDF | DOC
04 NCAC 03L .0501BOOKS AND RECORDSPDF | DOC
04 NCAC 03L .0502EXAMINATIONS; INVESTIGATIONSPDF | DOC
04 NCAC 03L .0601AMENDMENTS TO INFORMATION ON FILE WITH THE COMMISSIONERPDF | DOC
04 NCAC 03L .0602EXPANSION OR RELOCATIONPDF | DOC
04 NCAC 03L .0603IMPAIRMENT OF FINANCIAL REQUIREMENTSPDF | DOC
04 NCAC 03L .0604REPORT OF INFORMATION TO COMMISSIONER FOR THE GENERAL ASSEMBLYPDF | DOC
 
SubChapter MMORTGAGE LENDING

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04 NCAC 03M .0101DEFINITIONSPDF | DOC
04 NCAC 03M .0102NOTICESPDF | DOC
04 NCAC 03M .0201APPLICATIONPDF | DOC
04 NCAC 03M .0202NONTRANSFERABILITYPDF | DOC
04 NCAC 03M .0203NAME CHANGESPDF | DOC
04 NCAC 03M .0204EXPERIENCEPDF | DOC
04 NCAC 03M .0205FINANCIAL RESPONSIBILITYPDF | DOC
04 NCAC 03M .0206SURETY BONDPDF | DOC
04 NCAC 03M .0301APPROVAL OF PROVIDERS AND PROGRAMSPDF | DOC
04 NCAC 03M .0302LOAN OFFICER EXAMINATIONPDF | DOC
04 NCAC 03M .0303REQUIREMENTS FOR PROVIDERSPDF | DOC
04 NCAC 03M .0401ANNUAL REPORTING REQUIREMENTSPDF | DOC
04 NCAC 03M .0402AMENDMENTS TO INFORMATION ON FILE WITH THE COMMISSIONERPDF | DOC
04 NCAC 03M .0403TERMINATION OF OPERATIONSPDF | DOC
04 NCAC 03M .0501RECORDS TO BE MAINTAINEDPDF | DOC
04 NCAC 03M .0502FORM AND LOCATIONPDF | DOC
 
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