Housing

passed both · North Carolina · Senate Jul 1, 2026

SB 675: Charitable Orgs. Privacy Protection Act.

SB 675 sets a 2% maximum fee limit for second or junior lien mortgages in North Carolina, aligning state rules with federal Qualified Mortgage standards. It allows up to 3% total fees across all lenders for such loans, referencing federal guidelines (12 C.F.R. §1026.43(e)(3)). The bill directly affects borrowers taking second mortgages and lenders who charge fees on these loans. It requires lenders to comply with these fee limits on loans secured by real property, effective upon enactment.

Topics ✓ HousingSupports HousingCaps second mortgage fees to align with federal standards, reducing borrower costs and supporting affordable housing access by preventing excessive fees on housing loans.85% confidence | Rep's Stance ✓ Voted Yes ✓ Supports Housing

Track

signed · North Carolina · Senate Aug 6, 2025

SB 55: Expedited Removal of Unauthorized Persons.

SB 55 creates a fast-track court process for property owners or their authorized representatives (like real estate brokers) to remove people occupying residential property without legal right, such as squatters. To qualify, the owner must prove the occupant has no lease, hasn't paid rent, and wasn't invited, while excluding tenants who stayed past their lease term. The process requires a hearing within 48 hours of filing, with removal ordered within 4 hours of the court decision. An appeal requires a $10,000 bond and allows a full trial in district court.

Topics ✓ HousingSupports HousingBill supports property rights (a key housing policy aspect) by expediting removal of unauthorized occupants, excluding legal tenants.90% confidence | Rep's Stance ✓ Voted Yes ✓ Supports Housing

signed · North Carolina · Senate Jul 29, 2025

SB 266: The Power Bill Reduction Act.

This bill, officially titled "An Act to Establish Exemptions from Certain Floodplain Requirements for the Replacement or Reconstruction of Structures Damaged by Historic Flood Events," corrects the misstated title "Power Bill Reduction Act." It directly affects property owners seeking to rebuild or replace structures damaged by a "historic flood event" (defined as a flood meeting or exceeding a 200-year flood standard) within the base floodplain. The key provision allows rebuilding to the same or lesser size/volume as before the flood, without adhering to newer state or local flood regulations, but prohibits increases in size/volume unless hydrologic analysis proves it won’t raise flood elevations. This exemption applies to structures lawfully established before the flood event.

Topics ✓ HousingSupports HousingBill facilitates housing development by allowing property owners to rebuild damaged structures in floodplains without certain floodplain requirements, removing regulatory barriers for reconstruction after historic floods.85% confidence | Rep's Stance ✓ Voted Yes ✓ Supports Housing

signed · North Carolina · House Jul 1, 2025

HB 737: DOI Omnibus Bill.

HB 737 eliminates mandatory 20-hour training courses for insurance producers (agents/brokers) seeking licensure in North Carolina, replacing this requirement with a competency-based assessment. The bill also clarifies rules on insurance referral fees, updates capital calculation standards for the Department of Insurance, and restricts residential leases from requiring renters insurance. Additional provisions include adjustments to Medicare supplement licensing, continuous coverage rules for drivers with surcharges, and streamlined processes for multi-dealer registration. These changes directly affect insurance professionals, insurers, and consumers through modified licensing, coverage, and fee structures.

Topics ✓ HousingSupports HousingRestricts residential leases from requiring renters insurance, protecting tenants from added costs and burdens. Direct tenant protection under housing topic.90% confidence | Rep's Stance ✓ Voted Yes ✓ Supports Housing

signed · North Carolina · House Jul 1, 2025

HB 762: Modernize NC Secure and Fair Enforcement (S.A.F.E.) Act/Second Mortgage Fee Act.

HB 762 modernizes North Carolina's mortgage licensing rules under the S.A.F.E. Act and adjusts fee limits for second or junior lien loans. It directly affects mortgage lenders offering these second mortgages by requiring their fees to align with federal qualified mortgage standards. The bill modifies maximum permissible fees to better match federal requirements, aiming to reduce consumer costs and improve compliance. This change applies specifically to loans secured by a second or junior lien on residential properties. The bill focuses on policy adjustments without altering licensing processes or consumer protections beyond fee structures.

Topics ✓ HousingSupports HousingModifies second mortgage fees to align with federal standards, reducing consumer costs and improving compliance, directly lowering borrowing expenses for housing-related loans.75% confidence | Rep's Stance ✓ Voted Yes ✓ Supports Housing

signed · North Carolina · House Jun 30, 2025

HB 173: Various Local Provisions III.

HB 173 freezes Wake County municipalities' ability to expand extraterritorial jurisdiction (ETJ) beyond their 2025 boundaries until 2028, directly affecting local governments in Wake County. It removes one specific property parcel (tax ID 966773980500000) from Asheville's city limits, effective June 2025, while preserving existing tax liens. The bill also revises rules for commercial development moratoria, requiring four hearings (two in-person in affected areas) and detailed justifications for any 60-day moratorium, which cannot be renewed. These changes apply to all North Carolina municipalities adopting commercial development moratoria after the bill's effective date.

Topics ✗ HousingOpposes HousingFreezes ETJ expansion and requires more hearings for moratoria, restricting local housing development authority and limiting new projects.85% confidence | Rep's Stance ✓ Voted Yes ✗ Opposes Housing

signed · North Carolina · House Jun 26, 2025

HB 251: Various Disaster Recovery Reforms.

HB 251 prohibits North Carolina state agencies from denying disaster recovery assistance (like grants) based on a person's political affiliation or political speech. It applies to all applicants for state disaster aid, including U.S. citizens, nationals, and qualified aliens, and sets penalties of a Class I felony for violations. The bill also defines "temporary housing" (such as trailers or tents) and adds criminal penalties for stealing such housing during declared emergencies. These changes aim to ensure state disaster aid is distributed fairly and protect emergency housing resources.

Topics ✓ HousingSupports HousingPrevents discrimination in disaster housing aid (e.g., grants for temporary housing), aligning with housing access protections per bill's anti-discrimination clause.85% confidence ✓ ImmigrationSupports ImmigrationBill explicitly includes 'qualified aliens' in disaster aid eligibility and prohibits denial based on political affiliation, protecting immigrant access to state services.85% confidence | Rep's Stance ✓ Voted Yes ✓ Supports Housing

signed · North Carolina · House Jun 20, 2025

HB 126: Revise Voluntary Agricultural District Laws.

HB 126 requires state and local agencies to seek input from agricultural advisory boards before condemning or rezoning farmland within voluntary agricultural districts. It mandates that agencies request public hearings on such proposals, giving boards 45 days to review and submit recommendations. Agencies cannot proceed with condemnation or rezoning actions while the board is processing the request, extending the timeline to 120 days after the board submits its findings. The bill directly affects landowners in these districts and agencies making land use decisions, effective October 1, 2025.

Topics ✗ HousingOpposes HousingBill delays rezoning farmland for housing by requiring agricultural board reviews, directly limiting housing development on agricultural land.85% confidence | Rep's Stance ✓ Voted Yes ✗ Opposes Housing

passed · North Carolina · House May 8, 2025

HB 690: The Citizens Support Act.

HB 690, "The Citizens Support Act," directs several state and local agencies to ensure that state-funded benefits are provided only to U.S. citizens and noncitizens legally authorized to reside in the United States. The Department of Health and Human Services, Department of Commerce, Housing Finance Agency, and local housing authorities must develop plans to review eligibility criteria and verify the immigration status of applicants for various benefits, including housing, welfare, and medical assistance. State-funded institutions of higher education are required to adopt policies to verify applicants' legal residency for tuition and educational benefits. Additionally, the Division of Employment Security must implement a policy to verify legal residency for unemployment benefit applicants. These agencies are also mandated to report on their implementation progress and any federal laws that prevent them from denying benefits.

Topics ✗ HealthcareOpposes HealthcareRestricts medical benefits to citizens/legal noncitizens, limiting access for undocumented immigrants and others without authorized status per bill's eligibility requirements.95% confidence ✗ HousingOpposes HousingBill restricts housing benefits to U.S. citizens/legal residents, limiting access for noncitizens and reducing eligibility for state-funded housing assistance.92% confidence ✗ ImmigrationOpposes ImmigrationRestricts state-funded benefits to citizens/legal noncitizens only, denying access to undocumented immigrants per bill's eligibility requirements.95% confidence | Rep's Stance Voted abstain

Track

passed · North Carolina · House May 8, 2025

HB 781: Unauthorized Public Camping and Sleeping.

HB 781 bans unauthorized public camping or sleeping on public property across North Carolina, directly affecting individuals experiencing homelessness and local governments. It prohibits counties and municipalities from allowing such activities, but permits them to designate specific public property for temporary camping for up to one year. These designated sites must meet standards for safety, sanitation (including restrooms and water), and access to behavioral health services, and prohibit illegal substance use. Such designations require certification from the Department of Health and Human Services, which assesses factors like shelter bed availability and proximity to residential areas. Residents or businesses can take legal action against local governments that fail to enforce the ban.

Topics ✗ Criminal JusticeOpposes Criminal JusticeCriminalizes homelessness through trespassing penalties, expanding criminalization of poverty-related behavior without addressing root causes.95% confidence ✗ HousingOpposes HousingBans unauthorized public camping/sleeping, restricting housing access for homeless individuals and limiting local government options to address homelessness, contradicting housing support indicators.85% confidence | Rep's Stance ✗ Voted No ✓ Supports Housing

Track