SB 608 expands North Carolina's Work First Cash Assistance program to include pregnant women as eligible family members, increasing access for low-income households. It raises cash benefit amounts to 50% of the federal poverty level (up from 40%), increases income eligibility to 75% of federal poverty guidelines, and raises resource limits to $5,000 (with vehicle exemptions). The bill removes state-imposed time limits on assistance, keeping only federal requirements (e.g., 24-month limits for most cases), and updates definitions to clarify eligibility. These changes directly affect low-income families, particularly pregnant individuals and those with modest assets, by expanding support and reducing barriers to aid.
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.
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.
SB 109, the Veterans Appreciation Act, increases property tax relief for disabled veterans in North Carolina by expanding the homestead exclusion to cover the value increase from U.S. Department of Veterans Affairs (VA) housing grants. It directly affects disabled veterans who receive VA housing grants for service-connected disabilities, allowing them to exclude up to $45,000 of their home’s appraised value plus grant-funded improvements from property taxes. The bill adds a prequalification process, letting veterans apply in advance of purchasing a home to confirm eligibility, with county assessors required to notify applicants within 30 days. This change takes effect for property taxes on homes owned after July 1, 2025.
SB 95 allows small North Carolina sawmills (producing under 1 million board feet annually) to sell ungraded lumber for use in one- and two-family homes and certain residential structures, directly affecting small sawmill operators and homebuilders. The bill requires sawmill operators to complete state-approved training, mark lumber with specific details (species, mill ID, PS20 compliance), and provide buyers with a compliance certificate. It modifies building codes to permit this ungraded lumber use while mandating code officials review structures for safety but absolving them of liability for failures related to the lumber type. The policy change aims to support small sawmills by expanding their market access under defined safety and transparency conditions.
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.
SB 211 reenacts North Carolina's state Earned Income Tax Credit (EITC), providing a cash refund to low-to-moderate income workers. It allows eligible residents to claim a credit equal to 5% of the federal EITC amount they qualify for, which is refundable (meaning they receive a cash payment even if they owe no state tax). The credit applies to taxable years beginning on or after January 1, 2025, and directly benefits working individuals and families with low earnings. The bill reinstates a previously sunsetted provision, ensuring continued state-level support aligned with the federal EITC.
HB 323 modifies zoning rules for Cornelius, Davidson, and Huntersville by requiring written consent from all property owners affected by down-zoning changes, unless the local government initiates the change. Down-zoning is defined as reducing land development density, limiting permitted uses, or creating nonconformities (e.g., nonconforming structures). The law applies exclusively to these three towns and takes effect upon enactment, with retroactive application to December 11, 2024. This policy change directly affects property owners in these municipalities by giving them a veto over zoning shifts that reduce their land's development potential.
HB 786, the "Working Families Act," reduces child care costs for low-income families by lowering parent copayments from 10% to 7% of income (effective 2025), reinstates a refundable state child tax credit with income-based payments (effective 2025), and phases up North Carolina’s minimum wage to $15/hour by 2030 with annual inflation adjustments. It also increases income limits for property tax relief, creates a homebuyers’ assistance program for public servants (like firefighters and EMTs) as first-time buyers, and establishes a paid family leave insurance program funded through an employer grant program. The bill directly affects working families, hourly workers, public-sector employees, and households using subsidized child care or property tax relief. Key mechanisms include phased wage increases, income-tiered tax credits, and targeted housing support, all designed to reduce financial strain on low-to-moderate-income households.
SB 688 amends North Carolina's local government planning and development laws, directly affecting cities and counties by limiting their zoning authority. It prohibits local governments from regulating specific building design elements (like exterior colors, roof styles, or window placement) except in historic districts or for safety code compliance. The bill also bans minimum building size requirements for residential properties, overly large parking space standards (beyond ADA requirements), and unnecessary road design rules. All changes take effect January 1, 2026, making inconsistent local ordinances void.
