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North Carolina Administrative Code (Last Updated: November 13, 2014) |
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TITLE 04. COMMERCE |
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CHAPTER 03. BANKING COMMISSION |
| SUBCHAPTER A. ORGANIZATION |
| 04 NCAC 03A .0101. NAME: LOCATION AND ADDRESS |
| 04 NCAC 03A .0102-0107. REPEALED |
| 04 NCAC 03A .0201-0206. REPEALED |
| 04 NCAC 03A .0301-0305. REPEALED |
| SUBCHAPTER B. RULE‑MAKING AND CONTESTED CASES |
| 04 NCAC 03B .0101. PETITIONS |
| 04 NCAC 03B .0102. NOTICE |
| 04 NCAC 03B .0103. HEARINGS |
| 04 NCAC 03B .0104. TEMPORARY RULES [REPEALED] |
| 04 NCAC 03B .0105. DECLARATORY RULINGS |
| 04 NCAC 03B .0201-.0206. REPEALED |
| 04 NCAC 03B .0207. WAIVER [REPEALED] |
| 04 NCAC 03B .0208. DEPOSITIONS [REPEALED] |
| 04 NCAC 03B .0209-.0218. REPEALED |
| 04 NCAC 03B .0219. DEFINITIONS |
| 04 NCAC 03B .0220. HEARINGS |
| 04 NCAC 03B .0221. APPLICATION OF THE RULES OF CIVIL PROCEDURE |
| 04 NCAC 03B .0222. FILING OF DOCUMENTS |
| 04 NCAC 03B .0223. REQUEST FOR A HEARING |
| 04 NCAC 03B .0224. DATE, TIME AND LOCATION OF HEARING; MOTIONS TO CONTINUE |
| 04 NCAC 03B .0225. MOTIONS |
| 04 NCAC 03B .0226. PRE-HEARING CONFERENCE |
| 04 NCAC 03B .0227. HEARINGS |
| 04 NCAC 03B .0228. STIPULATIONS |
| 04 NCAC 03B .0301. APPOINTMENT OF APPELLATE PANEL |
| 04 NCAC 03B .0302. RECORD ON APPEAL; HEARING DATE; MEMORANDA OF LAW |
| 04 NCAC 03B .0303. ORAL ARGUMENT |
| 04 NCAC 03B .0304. COMMISSION REVIEW OF APPELLATE PANEL'S RECOMMENDED DECISION |
| SUBCHAPTER C. BANKS |
| 04 NCAC 03C .0101-.0104. REPEALED |
| 04 NCAC 03C .0105-0106. REPEALED |
| 04 NCAC 03C .0107. BANK CERTIFICATE [REPEALED] |
| 04 NCAC 03C .0108. JUDICIAL REVIEW [REPEALED] |
| 04 NCAC 03C .0109. APPLICATION TO ESTABLISH BANK: CONDITIONAL APPROVAL [REPEALED] |
| 04 NCAC 03C .0110. ORGANIZATIONAL EXPENSES [REPEALED] |
| 04 NCAC 03C .0111. NATIONAL BANK CONVERSION [REPEALED] |
| 04 NCAC 03C .0112. ELIMINATION OF DIRECTOR LIABILITY [REPEALED] |
| 04 NCAC 03C .0201. ESTABLISHMENT OF BRANCHES [REPEALED] |
| 04 NCAC 03C .0202. DISCONTINUANCE [REPEALED] |
| 04 NCAC 03C .0203-.0204. REPEALED |
| 04 NCAC 03C .0301. CHANGE OF LOCATION OF MAIN OFFICE, BRANCH OR LTD SVC FACILITY [REPEALED] |
| 04 NCAC 03C .0302-0306. REPEALED |
| 04 NCAC 03C .0401. APPLICATION [REPEALED] |
| 04 NCAC 03C .0402. PUBLICATION [REPEALED] |
| 04 NCAC 03C .0403-.0405. REPEALED |
| 04 NCAC 03C .0406. FILING WITH SECRETARY OF STATE [REPEALED] |
| 04 NCAC 03C .0407. WAIVER BY COMMISSIONER [REPEALED] |
| 04 NCAC 03C .0501-0502. REPEALED |
| 04 NCAC 03C .0503. DAYS AND HOURS OF REGULAR OPERATION [REPEALED] |
| 04 NCAC 03C .0601-0602. REPEALED |
| 04 NCAC 03C .0701 - .0703. REPEALED |
| 04 NCAC 03C .0704-0705. REPEALED |
| 04 NCAC 03C .0801-.0804. REPEALED |
| 04 NCAC 03C .0805-0806. REPEALED |
| 04 NCAC 03C .0807. SUBSIDIARY INVESTMENT APPROVAL [REPEALED] |
| 04 NCAC 03C .0901. BOOKS AND RECORDS |
| 04 NCAC 03C .0902. REQUIRED ACCOUNTS |
| 04 NCAC 03C .0903. RETENTION: REPRODUCTION AND DISPOSITION OF BANK RECORDS |
| 04 NCAC 03C .0904. LETTERS OF CREDIT |
| 04 NCAC 03C .0905. INVESTMENT AUTHORITY |
| 04 NCAC 03C .1001. LOAN DOCUMENTATION |
| 04 NCAC 03C .1002. LEASING OF PERSONAL PROPERTY |
| 04 NCAC 03C .1101-.1102. REPEALED |
| 04 NCAC 03C .1103-1105. REPEALED |
| 04 NCAC 03C .1201-.1202. REPEALED |
| 04 NCAC 03C .1301. ANNUAL VACATION |
| 04 NCAC 03C .1302. SHARE PURCHASE AND OPTION PLANS [REPEALED] |
| 04 NCAC 03C .1303. INSIDER TRANSACTIONS [REPEALED] |
| 04 NCAC 03C .1401. REQUIREMENT OF RESERVE FUND |
| 04 NCAC 03C .1402. BASIS FOR COMPUTATION AND MAINTENANCE |
| 04 NCAC 03C .1403. RESERVE FUND DEFINED [REPEALED] |
| 04 NCAC 03C .1501-.1502. REPEALED |
| 04 NCAC 03C .1601. FEES, COPIES AND PUBLICATION COSTS |
| 04 NCAC 03C .1701. DEFINITIONS [REPEALED] |
| 04 NCAC 03C .1702. ESTABLISHMENT OF A NON-BRANCH BANK BUSINESS OFFICE (NBBO) |
| 04 NCAC 03C .1703-.1704. REPEALED |
| 04 NCAC 03C .1801. ESTABLISHMENT OF COURIER SERVICES |
| 04 NCAC 03C .1802. COMPLIANCE AND DISCLOSURE REQUIREMENTS [REPEALED] |
| SUBCHAPTER D. BANKS ACTING IN A FIDUCIARY CAPACITY |
| 04 NCAC 03D .0101. APPLICATION [REPEALED] |
| 04 NCAC 03D .0102-0104. REPEALED |
| 04 NCAC 03D .0201. EXAMINING COMMITTEE REPORT OF TRUST DEPARTMENT |
| 04 NCAC 03D .0202. REPORT OF TRUST DEPARTMENT [REPEALED] |
| 04 NCAC 03D .0301. DEFINITIONS [REPEALED] |
| 04 NCAC 03D .0302. ADMINISTRATION OF FIDUCIARY POWERS |
| 04 NCAC 03D .0303. BOOKS AND RECORDS; SURCHARGES |
| 04 NCAC 03D .0304. COLLECTIVE INVESTMENT |
| 04 NCAC 03D .0305. USE OF SECURITIES CLEARING CORPORATIONS [REPEALED] |
| SUBCHAPTER E. LICENSEES UNDER NORTH CAROLINA CONSUMER FINANCE ACT |
| 04 NCAC 03E .0101. APPLICATION |
| 04 NCAC 03E .0102. APPROVAL |
| 04 NCAC 03E .0103-0105. REPEALED |
| 04 NCAC 03E .0106. MOTOR VEHICLE LENDERS [REPEALED] |
| 04 NCAC 03E .0201. OPERATION OF OTHER BUSINESS IN SAME OFFICE |
| 04 NCAC 03E .0202-0203. REPEALED |
| 04 NCAC 03E .0204. TRANSFER OF LICENSE AND CHANGE OF LOCATION |
| 04 NCAC 03E .0301. CHANGE OF OWNERSHIP OR MANAGEMENT [REPEALED] |
| 04 NCAC 03E .0302. ANNUAL REPORT |
| 04 NCAC 03E .0401. EXAMINATION |
| 04 NCAC 03E .0402. REPORTS OF EXAMINATION |
| 04 NCAC 03E .0501-0502. REPEALED |
| 04 NCAC 03E .0601. BOOKS AND RECORDS |
| 04 NCAC 03E .0602. COLLECTION PRACTICES |
| 04 NCAC 03E .0603. DEFERMENT CHARGES [REPEALED] |
| SUBCHAPTER F. LICENSEES UNDER MONEY TRANSMITTERS ACT |
| 04 NCAC 03F .0101-0103. REPEALED |
| 04 NCAC 03F .0104-0105. REPEALED |
| 04 NCAC 03F .0201. DEFINITIONS |
| 04 NCAC 03F .0202. PERMISSIBLE INVESTMENTS [REPEALED] |
| 04 NCAC 03F .0301. APPLICATION FOR A LICENSE |
| 04 NCAC 03F .0302-.0304. REPEALED |
| 04 NCAC 03F .0401. CERTIFICATE OF AUTHORITY [REPEALED] |
| 04 NCAC 03F .0402. SURRENDER OF LICENSE |
| 04 NCAC 03F .0501. GENERALLY ACCEPTED ACCOUNTING PRINCIPLES |
| 04 NCAC 03F .0502-.0503. REPEALED |
| 04 NCAC 03F .0504. AGENT ACTIVITY REPORTS |
| 04 NCAC 03F .0505. AMENDMENTS TO APPLICATION |
| 04 NCAC 03F .0506. REVOCATION OR CANCELLATION OF SURETY BOND |
| 04 NCAC 03F .0507. CEASING OPERATIONS |
| 04 NCAC 03F .0508. IMPAIRMENT OF MINIMUM NET WORTH |
| 04 NCAC 03F .0509. DISHONOR OR DEFAULT IN PAYMENT INSTRUMENT |
| 04 NCAC 03F .0601. RECORD AND BOOKKEEPING REQUIREMENTS |
| 04 NCAC 03F .0602. EXAMINATION FEE |
| 04 NCAC 03F .0701. HEARINGS [REPEALED] |
| SUBCHAPTER G. FUNERAL AND BURIAL TRUST FUNDS |
| 04 NCAC 03G .0101-0103. REPEALED |
| 04 NCAC 03G .0104. DEFINITIONS; FILINGS [REPEALED] |
| 04 NCAC 03G .0201-0202. REPEALED |
| 04 NCAC 03G .0203. EXPIRATION AND RENEWAL [REPEALED] |
| 04 NCAC 03G .0301-0303. REPEALED |
| 04 NCAC 03G .0401-0403. REPEALED |
| 04 NCAC 03G .0501. RECORD AND BOOKKEEPING REQUIREMENTS [REPEALED] |
| 04 NCAC 03G .0502. ANNUAL REPORT [REPEALED] |
| 04 NCAC 03G .0503-0504. REPEALED |
| 04 NCAC 03G .0601. REVOCATION OR SUSPENSION; HEARINGS [REPEALED] |
| SUBCHAPTER H. APPLICATIONS BY REGIONAL BANK HOLDING COMPANIES |
| 04 NCAC 03H .0101. APPLICATION FEES [REPEALED] |
| 04 NCAC 03H .0102. REGIONAL BANK HOLDING COMPANY ACQUISITIONS |
| 04 NCAC 03H .0103. BANK HOLDING COMPANY REGISTRATION |
| SUBCHAPTER I. MORTGAGE BANKER/BROKER |
| 04 NCAC 03I .0101. DEFINITIONS; FILINGS [REPEALED] |
| 04 NCAC 03I .0201. FINANCIAL REQUIREMENTS FOR MORTGAGE BANKERS AND MORTGAGE BROKERS [REPEALED] |
| 04 NCAC 03I .0202-0203. REPEALED |
| 04 NCAC 03I .0204. SURETY BOND [REPEALED] |
| 04 NCAC 03I .0205-.0206. REPEALED |
| 04 NCAC 03I .0301-.0306. REPEALED |
| 04 NCAC 03I .0401-.0406. REPEALED |
| 04 NCAC 03I .0501-.0503. REPEALED |
| 04 NCAC 03I .0601-.0605. REPEALED |
| 04 NCAC 03I .0701-.0706. REPEALED |
| SUBCHAPTER J. REFUND ANTICIPATION LOAN |
| 04 NCAC 03J .0101. DEFINITIONS; FILINGS |
| 04 NCAC 03J .0201. APPLICATION FOR REGISTRATION AS A FACILITATOR |
| 04 NCAC 03J .0202. ISSUANCE OF A CERTIFICATE OF REGISTRATION |
| 04 NCAC 03J .0203. EXPIRATION AND RENEWAL |
| 04 NCAC 03J .0204. APPLICATION FOR RENEWAL OF CERTIFICATE OF REGISTRATION |
| 04 NCAC 03J .0205. NONTRANSFERABILITY OF CERTIFICATE OF REGISTRATION |
| 04 NCAC 03J .0301. CHECK CASHING SERVICES |
| 04 NCAC 03J .0302. RECORD AND BOOKKEEPING REQUIREMENTS |
| 04 NCAC 03J .0303. FILING AND POSTING OF FEE SCHEDULE |
| 04 NCAC 03J .0304. DISCLOSURES |
| 04 NCAC 03J .0305. AMENDMENTS TO APPLICATION |
| 04 NCAC 03J .0306. CESSATION OF OPERATIONS |
| 04 NCAC 03J .0401. HEARINGS |
| 04 NCAC 03J .0402. EXAMINATIONS, AUDITS |
| SUBCHAPTER K. REVERSE MORTGAGES |
| 04 NCAC 03K .0101. DEFINITIONS; FILINGS |
| 04 NCAC 03K .0201. APPLICATION FOR AUTHORIZATION AS A REVERSE MORTGAGE LENDER |
| 04 NCAC 03K .0202. NOTIFICATION OF INTENT TO ENGAGE IN REVERSE MORTGAGE LENDING |
| 04 NCAC 03K .0203. CURRENT AUTHORIZED LENDER INFORMATION |
| 04 NCAC 03K .0204. ANNUAL REGISTRATION FEE |
| 04 NCAC 03K .0205. CERTIFICATE OF AUTHORIZATION |
| 04 NCAC 03K .0206. NONTRANSFERABILITY OF CERTIFICATE OF AUTHORIZATION |
| 04 NCAC 03K .0301. MINIMUM NET WORTH REQUIREMENT FOR AUTHORIZED LENDER OR LENDERS |
| 04 NCAC 03K .0302. SURETY BONDS |
| 04 NCAC 03K .0401. CERTIFIED FINANCIAL STATEMENTS |
| 04 NCAC 03K .0402. RECORD AND BOOKKEEPING REQUIREMENTS |
| 04 NCAC 03K .0403. EXAMINATIONS |
| 04 NCAC 03K .0404. WITHDRAWAL/TERMINATION OF AUTHORIZATION AS REVERSE MTG. LENDER |
| 04 NCAC 03K .0405. IMPAIRMENT OF MINIMUM NET WORTH, AND SURETY BOND |
| 04 NCAC 03K .0501. REVERSE MORTGAGE LENDER APPLICATION DISCLOSURE |
| 04 NCAC 03K .0502. PERMITTED FEES |
| 04 NCAC 03K .0601. COUNSELING |
| 04 NCAC 03K .0701. PROHIBITED ACTS |
| 04 NCAC 03K .0702. ENFORCEMENT ACTIONS |
| 04 NCAC 03K .0703. HEARINGS |
| SUBCHAPTER L. CHECK-CASHING BUSINESSES |
| 04 NCAC 03L .0101. DEFINITIONS |
| 04 NCAC 03L .0102. FILINGS |
| 04 NCAC 03L .0201. APPLICATION FOR LICENSE |
| 04 NCAC 03L .0202. FEES |
| 04 NCAC 03L .0301. ISSUANCE |
| 04 NCAC 03L .0302. NONTRANSFERABILITY OF LICENSE |
| 04 NCAC 03L .0303. ANNUAL RENEWAL OF LICENSE |
| 04 NCAC 03L .0401. POSTING OF LICENSE OR BRANCH CERTIFICATE |
| 04 NCAC 03L .0402. SURRENDER OF LICENSE |
| 04 NCAC 03L .0403. POSTING OF FEES |
| 04 NCAC 03L .0404-.0405. REPEALED |
| 04 NCAC 03L .0501. BOOKS AND RECORDS |
| 04 NCAC 03L .0502. EXAMINATIONS; INVESTIGATIONS |
| 04 NCAC 03L .0601. AMENDMENTS TO INFORMATION ON FILE WITH THE COMMISSIONER |
| 04 NCAC 03L .0602. EXPANSION OR RELOCATION |
| 04 NCAC 03L .0603. IMPAIRMENT OF FINANCIAL REQUIREMENTS |
| 04 NCAC 03L .0604. REPORT OF INFORMATION TO COMMISSIONER FOR THE GENERAL ASSEMBLY [REPEALED] |
| SUBCHAPTER M. MORTGAGE LENDING |
| 04 NCAC 03M .0101. DEFINITIONS |
| 04 NCAC 03M .0102. NOTICES |
| 04 NCAC 03M .0201. APPLICATION |
| 04 NCAC 03M .0202. NONTRANSFERABILITY |
| 04 NCAC 03M .0203. NAME CHANGES |
| 04 NCAC 03M .0204. EXPERIENCE |
| 04 NCAC 03M .0205. FINANCIAL RESPONSIBILITY |
| 04 NCAC 03M .0206. SURETY BOND |
| 04 NCAC 03M .0301. APPROVAL OF PROVIDERS AND COURSES OF STUDY; PROVIDER REQUIREMENTS; QUALIFIED WRITTEN TEST |
| 04 NCAC 03M .0302-.0303. REPEALED |
| 04 NCAC 03M .0401. REPORTING REQUIREMENTS |
| 04 NCAC 03M .0402. AMENDMENTS TO INFORMATION ON FILE WITH THE COMMISSIONER |
| 04 NCAC 03M .0403. TERMINATION OF OPERATIONS |
| 04 NCAC 03M .0501. RECORDS TO BE MAINTAINED |
| 04 NCAC 03M .0502. FORM AND LOCATION OF RECORDS |
| 04 NCAC 03M .0602. SELLER DISCOUNTS FOR USE OF AFFILIATED MORTGAGE LENDER OR BROKER |
| 04 NCAC 03M .0701. TRANSFER OF SERVICING RIGHTS |
| 04 NCAC 03M .0702. REQUIREMENTS FOR MORTGAGE SERVICERS TO COMMUNICATE EFFECTIVELY WITH BORROWERS REGARDING LOSS MITIGATION |
| 04 NCAC 03M .0703. CESSATION OF FORECLOSURE ACTIVITY DURING PENDENCY OF LOSS MITIGATION REQUEST |