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State consumer-law reference center

North Carolina

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Section inventory20 entries
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State law changes and varies by facts. Only source-checked inventories appear below. “Research pending” is not legal guidance and never means DJC may market, enroll, contract, bill, or provide a regulated service in this jurisdiction.
State statute inventory

Consumer-protection authorities under review

20 section entries
Source checked

North Carolina Chapter 75 — Core General Provisions

N.C. Gen. Stat. §§ 75-1–75-16.2

The core general-provisions inventory was checked against the North Carolina General Assembly’s Chapter 75 publication incorporating changes through Session Law 2026-7. Repealed sections are grouped and clearly labeled. The remaining specialized Article 1 protections continue separately after section 75-16.2.

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N.C. Gen. Stat. § 75-1

Combinations in restraint of trade illegal

Prohibits contracts, combinations, and conspiracies that restrain trade or commerce in North Carolina.

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N.C. Gen. Stat. § 75-1.1

Methods of competition, acts, and practices regulated

Declares unfair methods of competition and unfair or deceptive acts or practices unlawful and states legislative policy.

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N.C. Gen. Stat. § 75-2

Common-law restraints included

Confirms that restraints violating common law are included within Chapter 75.

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N.C. Gen. Stat. § 75-2.1

Monopolizing and attempting to monopolize prohibited

Prohibits monopolization, attempted monopolization, and specified combinations to monopolize.

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N.C. Gen. Stat. § 75-4

Contracts to be in writing

Requires specified agreements restraining trade or commerce to be written and signed.

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N.C. Gen. Stat. § 75-8

Continuous violations separate offenses

Treats each continuing day of specified unlawful conduct as a separate offense.

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N.C. Gen. Stat. § 75-9

Attorney General duty to investigate

Directs the Attorney General to investigate suspected Chapter 75 violations.

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N.C. Gen. Stat. § 75-10

Power to compel examination

Authorizes compulsory testimony and production of relevant records in investigations.

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N.C. Gen. Stat. § 75-11

Examination and prosecution immunity

Addresses use immunity for a person compelled to provide specified testimony or evidence.

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N.C. Gen. Stat. § 75-12

Refusal to furnish information — False swearing

Provides consequences for refusing required information or knowingly providing false testimony.

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N.C. Gen. Stat. § 75-13

Criminal prosecution and district-attorney assistance

Addresses prosecution, local assistance, and related enforcement expenses.

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N.C. Gen. Stat. § 75-14

Action to obtain mandatory order

Authorizes court orders compelling compliance with investigative requirements.

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N.C. Gen. Stat. § 75-15

Actions prosecuted by Attorney General

Authorizes the Attorney General to bring civil actions to restrain Chapter 75 violations.

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N.C. Gen. Stat. § 75-15.1

Restoration of property and cancellation of contract

Allows courts to order restoration of money or property and cancellation of covered contracts.

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N.C. Gen. Stat. § 75-16

Private civil action — Treble damages

Provides a private action and treble damages for injury caused by a Chapter 75 violation.

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N.C. Gen. Stat. § 75-16.2

Limitation of actions

Provides the limitations and tolling framework; confirm current law before calculating a deadline.

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Research map

North Carolina consumer-credit categories

Research pending

Credit services and credit repair organizations

Licensing, registration, bonding, contracts, fees, cancellation, advertising, and prohibited practices.

What the legal reviewer checks
  • Covered-service definitions
  • License or registration requirements
  • Contract and disclosure language
  • Fee and cancellation restrictions
  • Advertising and prohibited practices
Research pending

Debt collection

State collection-agency licensing, prohibited conduct, validation-related rules, remedies, and regulator contacts.

What the legal reviewer checks
  • Collector and agency definitions
  • Licensing and exemptions
  • Communication and conduct restrictions
  • Civil remedies and enforcement
  • Complaint channels
Research pending

Consumer reporting and security freezes

State credit-reporting duties, freezes, protected-consumer freezes, identity-theft blocks, and remedies.

What the legal reviewer checks
  • Freeze placement and lifting
  • Fees and timing
  • Protected consumers
  • Identity-theft procedures
  • Enforcement and remedies
Authority identified

Identity theft, data breach, and privacy

Identity-theft crimes and recovery tools, breach notices, personal-information safeguards, and privacy rights.

  • N.C. Gen. Stat. §§ 75-1–75-16.2
What the legal reviewer checks
  • Breach notice triggers and timing
  • Covered personal information
  • Security safeguards
  • Identity-theft reports and blocks
  • Attorney-general enforcement
Research pending

Garnishment and judgment protections

State exemptions, disposable-earnings limits, court procedures, bank-account protections, and employer duties.

What the legal reviewer checks
  • Wage and bank exemptions
  • Debt-specific limits
  • Claim-of-exemption procedure
  • Notice and hearing deadlines
  • Employer restrictions
Research pending

Repossession and deficiency balances

Notice, cure, repossession conduct, sale, accounting, redemption, and deficiency rules.

What the legal reviewer checks
  • Right-to-cure notices
  • Repossession restrictions
  • Sale notice and commercial reasonableness
  • Redemption
  • Deficiency accounting and defenses
Research pending

Small-dollar and consumer lending

Licensing, rates, fees, payment plans, disclosures, collection practices, and complaint resources.

What the legal reviewer checks
  • Covered loan definitions
  • License requirements
  • Rate and fee limits
  • Rollover or payment-plan rules
  • Enforcement
Research pending

Mortgage, housing, and auto finance

Servicing, foreclosure, homeowner, dealer-finance, motor-vehicle-sales, and related protections.

What the legal reviewer checks
  • Mortgage servicing and foreclosure
  • Homeowner notices and assistance
  • Dealer and sales-finance licensing
  • Auto disclosures
  • Complaints and remedies
Research pending

Medical and utility debt

Billing, collection, charity-care, utility termination, deposit, and payment-plan rules.

What the legal reviewer checks
  • Hospital and medical billing
  • Charity-care disclosures
  • Utility shutoff protections
  • Deposits and payment plans
  • Complaint agencies
Research pending

Military and veteran protections

State protections that may supplement federal servicemember and military-lending laws.

What the legal reviewer checks
  • State active-duty coverage
  • Interest or collection protections
  • Lease and contract rules
  • Court stays
  • Military legal-assistance contacts

Need information before review is complete?

Use the official state source, state attorney general, financial regulator, or legal-aid provider. Confirm current effective dates and amendments before relying on a section.

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