reglab/housing_qa huggingface dataset:
NC Gen Stat § 45-82.4 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 9 - Instruments to Secure Equity Lines of Credit.|§ 45-82.4 - Prepayment penalty.

 45-82.4. Prepayment penalty.Except as provided in G.S. 24-9(c), no prepayment penalty may be charged with respect to an equity line of credit.  (2011-312, s. 25.)
NC Gen Stat § 45-83 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 9 - Instruments to Secure Equity Lines of Credit.|§ 45-83 - Future advances statute shall not apply.

 45-83. Future advances statute shall not apply.The provisions of Article 7 of this Chapter shall not apply to an equity line of credit or the equity line security instrument securing it, if the equity line security instrument shows on its face that it secures an equity line of credit governed by the provisions of this Article.  (1985, c. 207, s. 2; 2011-312, s. 26.)
NC Gen Stat § 45-84 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 9 - Instruments to Secure Equity Lines of Credit.|§ 45-84 - Article not exclusive.

 45-84. Article not exclusive.Except as otherwise provided in G.S. 45-83, the provisions of this Article are not exclusive. Nothing in this Article shall invalidate or overrule any rule of validity or priority applicable to any mortgage, deed of trust, or other security instrument failing to comply with the provisions of this Article.  (1985, c. 207, s. 2; 2011-312, s. 27.)
NC Gen Stat § 45-90 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 10 - Mortgage Debt Collection and Servicing.|§ 45-90 - Definitions.

 45-90. Definitions.As used in this Article, the following definitions apply:(1) Home loan. - A loan secured by real property located in this State used, or intended to be used, by an individual borrower or individual borrowers in this State as a dwelling, regardless of whether the loan is used to purchase the property or refinance the prior purchase of the property or whether the proceeds of the loan are used for personal, family, or business purposes.(2) Servicer. - A "servicer" as defined in the Real Estate Settlement Procedures Act, 12 U.S.C. 2605(i). A licensed attorney, who in the practice of law or performing as a trustee, accepts payments related to a loan closing, default, foreclosure, or settlement of a dispute or legal claim related to a loan, shall not be considered a servicer for the purposes of this Article. (2007-351, s. 5.)
NC Gen Stat § 45-92 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 10 - Mortgage Debt Collection and Servicing.|§ 45-92 - Obligation of servicer to handle escrow funds.

 45-92. Obligation of servicer to handle escrow funds.Any servicer that exercises the authority to collect escrow amounts on a home loan held or to be held for the borrower for insurance, taxes, and other charges with respect to the property shall collect and make all payments from the escrow account, so as to ensure that no late penalties are assessed or other negative consequences result. The provisions of this section shall apply regardless of whether the loan is delinquent or in default unless the servicer has a reasonable basis to believe that recovery of these funds will not be possible or the loan is more than 90 days in default. (2007-351, s. 5.)
NC Gen Stat § 45-94 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 10 - Mortgage Debt Collection and Servicing.|§ 45-94 - Remedies.

 45-94. Remedies.In addition to any equitable remedies and any other remedies at law, any borrower injured by any violation of this Article may bring an action for recovery of actual damages, including reasonable attorneys' fees. The Commissioner of Banks, the Attorney General, or any party to a home loan may enforce the provisions of this section. With the exception of an action by the Commissioner of Banks or the Attorney General, at least 30 days before a borrower or a borrower's representative institutes a civil action for damages against a servicer for a violation of this Article, the borrower or a borrower's representative shall notify the servicer in writing of any claimed errors or disputes regarding the borrower's home loan that forms the basis of the civil action. The notice must be sent to the address as designated on any of the servicer's bills, statements, invoices, or other written communication, and must enable the servicer to identify the name and loan account of the borrower. For purposes of this section, notice shall not include a complaint or summons. Nothing in this section shall limit the rights of a borrower to enjoin a civil action, or make a counterclaim, cross-claim, or plead a defense in a civil action. A servicer will not be in violation of this Article if the servicer shows by a preponderance of evidence that:(1) The violation was not intentional or the result of bad faith; and(2) Within 30 days after discovering or being notified of an error, and prior to the institution of any legal action by the borrower against the servicer under this section, the servicer corrected the error and compensated the borrower for any fees or charges incurred by the borrower as a result of the violation.  (2007-351, s. 5; 2008-228, s. 20; 2013-412, s. 8.)
NC Gen Stat § 45-95 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 10 - Mortgage Debt Collection and Servicing.|§ 45-95 - Severability.

 45-95. Severability.The provisions of this Article shall be severable, and if any phrase, clause, sentence, or provision is declared to be invalid or is preempted by federal law or regulation, the validity of the remainder of this section shall not be affected thereby. If any provision of this Article is declared to be inapplicable to any specific category, type, or kind of points and fees, the provisions of this Article shall nonetheless continue to apply with respect to all other points and fees. (2007-351, s. 5.)
NC Gen Stat § 45-100 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 11 - Emergency Program to Reduce Home Foreclosures.|§ 45-100 - Title.

 45-100. Title.This Article shall be known as the Emergency Program to Reduce Home Foreclosures Act.  (2008-226, s. 1; 2010-168, s. 9; 2012-79, s. 2.17(g).)
NC Gen Stat § 45-102 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 11 - Emergency Program to Reduce Home Foreclosures.|§ 45-102 - Pre-foreclosure notice for home loans.

 45-102. Pre-foreclosure notice for home loans.At least 45 days prior to the filing of a notice of hearing in a foreclosure proceeding on a primary residence, mortgage servicers of home loans shall send written notice by mail to the last known address of the borrower to inform the borrower of the availability of resources to avoid foreclosure, including:(1) An itemization of all past due amounts causing the loan to be in default.(2) An itemization of any other charges that must be paid in order to bring the loan current.(3) A statement that the borrower may have options available other than foreclosure and that the borrower may discuss available options with the mortgage lender, the mortgage servicer, or a counselor approved by the U.S. Department of Housing and Urban Development.(4) The address, telephone number, and other contact information for the mortgage lender, the mortgage servicer, or the agent for either of them who is authorized to attempt to work with the borrower to avoid foreclosure.(5) The name, address, telephone number, and other contact information for one or more HUD-approved counseling agencies operating to assist borrowers in North Carolina to avoid foreclosure.(6) The address, telephone number, and other contact information for the State Home Foreclosure Prevention Project of the Housing Finance Agency.  (2008-226, s. 1; 2010-168, ss. 1, 9; 2012-79, s. 2.17(a), (g).)
NC Gen Stat § 45-103 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 11 - Emergency Program to Reduce Home Foreclosures.|§ 45-103 - Pre-foreclosure information to be filed with the Administrative Office of the Courts for home loans.

 45-103. Pre-foreclosure information to be filed with the Administrative Office of the Courts for home loans.(a) Within three business days of mailing the notice required by G.S. 45-102, the mortgage servicer shall file certain information with the Administrative Office of the Courts. The filing shall be in an electronic format, as designated by the Administrative Office of the Courts, and shall contain the name and address of the borrower, the due date of the last scheduled payment made by the borrower, and the date the notice was mailed to the borrower. The Administrative Office of the Courts shall establish an internal database to track information required by this section. The Housing Finance Agency shall design and develop the State Home Foreclosure Prevention Project database, in consultation with the Administrative Office of the Courts. Only the Administrative Office of the Courts, the Housing Finance Agency, and the clerk of court as provided by G.S. 45-107 shall have access to the database.(b) As permitted by applicable State and federal law, optional information may be requested from the mortgage servicer to facilitate further review by the State Home Foreclosure Prevention Project described in G.S. 45-104. This optional information shall be used by the State Home Foreclosure Prevention Project to prioritize efforts to reach borrowers most likely to avoid foreclosure and to prevent delay for defaults where foreclosure is unavoidable.(c) Repealed by Session Laws 2010-168, s. 1, effective November 1, 2010.  (2008-226, s. 1; 2010-168, ss. 1, 9; 2011-288, s. 2; 2012-79, s. 2.17(b), (g).)
NC Gen Stat § 45-105 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 11 - Emergency Program to Reduce Home Foreclosures.|§ 45-105 - Extension of foreclosure process.

 45-105. Extension of foreclosure process.The Housing Finance Agency shall review information provided in the database created by G.S. 45-103 to determine which home loans are appropriate for efforts to avoid foreclosure. If the Housing Finance Agency reasonably believes, based on a full review of the loan information, the mortgage servicer's loss mitigation efforts, the borrower's capacity and interest in staying in the home, and other appropriate factors, that further efforts by the State Home Foreclosure Prevention Project offer a reasonable prospect to avoid foreclosure on primary residences, the Executive Director of the Housing Finance Agency shall have the authority to extend one time under this Article the allowable filing date for any foreclosure proceeding on a primary residence by up to 30 days beyond the earliest filing date established by the pre-foreclosure notice. If the Executive Director of the Housing Finance Agency makes the determination that a loan is subject to this section, the Housing Finance Agency shall notify the borrower, mortgage servicer, and the Administrative Office of the Courts.  (2008-226, s. 1; 2010-168, ss. 1, 9; 2011-288, s. 4; 2012-79, s. 2.17(d), (g).)
NC Gen Stat § 45-106 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 11 - Emergency Program to Reduce Home Foreclosures.|§ 45-106 - Use and privacy of records.

 45-106. Use and privacy of records.The data provided to the Administrative Office of the Courts pursuant to G.S. 45-103 shall be exclusively for the use and purposes of the State Home Foreclosure Prevention Project developed by the Commissioner of Banks and administered by the Housing Finance Agency in accordance with G.S. 45-104. The information provided to the database is not a public record, except that a mortgage lender and a mortgage servicer shall have access to the information submitted only with regard to its own loans. Provision of information to the Administrative Office of the Courts for use by the State Home Foreclosure Prevention Project shall not be considered a violation of G.S. 53B-8. A mortgage servicer shall be held harmless for any alleged breach of privacy rights of the borrower with respect to the information the mortgage servicer provides in accordance with this Article.  (2008-226, s. 1; 2010-168, ss. 1, 9; 2011-288, s. 5; 2012-79, s. 2.17(e), (g).)
NC Gen Stat § 45-107 (2021)
2021 North Carolina General Statutes|Chapter 45 - Mortgages and Deeds of Trust|Article 11 - Emergency Program to Reduce Home Foreclosures.|§ 45-107 - Foreclosure filing.

 45-107. Foreclosure filing.(a) For the duration of the program authorized by this Article, foreclosure notices filed on home loans on or after November 1, 2010, shall contain a certification by the filing party that the pre-foreclosure notice required by G.S. 45-102 and the pre-foreclosure information required by G.S. 45-103 were provided in accordance with this Article and that the periods of time established by the Article have elapsed.(b) The clerk of superior court or other judicial officer may have access to the pre-foreclosure database to confirm information provided in subsection (a) of this section. A materially inaccurate statement in the certification shall be cause for dismissal without prejudice of any foreclosure proceeding on a primary residence initiated by the mortgage servicer and for payment by the filing party of costs incurred by the borrower in defending the foreclosure proceeding.  (2008-226, s. 1; 2010-168, ss. 1, 9; 2012-79, s. 2.17(g).)
NC Gen Stat § 46-1 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-1 - Recodified as G.S. 46A-1 by Session Laws 2020-23, s. 2(a), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-1: Recodified as G.S. 46A-1 by Session Laws 2020-23, s. 2(a), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-2 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-2 - Recodified as G.S. 46A-20 by Session Laws 2020-23, s. 2(b), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-2: Recodified as G.S. 46A-20 by Session Laws 2020-23, s. 2(b), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-2.1 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-2.1 - Recodified as G.S. 46A-2 by Session Laws 2020-23, s. 2(c), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-2.1: Recodified as G.S. 46A-2 by Session Laws 2020-23, s. 2(c), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-3 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-3 - Recodified as G.S. 46A-21 by Session Laws 2020-23, s. 2(d), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-3: Recodified as G.S. 46A-21 by Session Laws 2020-23, s. 2(d), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-3.1 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-3.1 - Recodified as G.S. 46A-28 by Session Laws 2020-23, s. 2(e), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-3.1: Recodified as G.S. 46A-28 by Session Laws 2020-23, s. 2(e), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-4 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-4 - Recodified as G.S. 46A-24 by Session Laws 2020-23, s. 2(f), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-4: Recodified as G.S. 46A-24 by Session Laws 2020-23, s. 2(f), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-5 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-5 - Recodified as G.S. 46A-23 by Session Laws 2020-23, s. 2(g), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-5: Recodified as G.S. 46A-23 by Session Laws 2020-23, s. 2(g), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-6 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-6 - Recodified as G.S. 46A-22 by Session Laws 2020-23, s. 2(h), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-6: Recodified as G.S. 46A-22 by Session Laws 2020-23, s. 2(h), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-7 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-7 - Recodified as G.S. 46A-50(a) by Session Laws 2020-23, s. 2(i), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-7: Recodified as G.S. 46A-50(a) by Session Laws 2020-23, s. 2(i), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-7.1 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-7.1 - Recodified as G.S. 46A-50(b) by Session Laws 2020-23, s. 2(j), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-7.1: Recodified as G.S. 46A-50(b) by Session Laws 2020-23, s. 2(j), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-8 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-8 - Recodified as G.S. 46A-50(c) by Session Laws 2020-23, s. 2(k), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-8: Recodified as G.S. 46A-50(c) by Session Laws 2020-23, s. 2(k), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-9 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-9 - Recodified as G.S. 46A-50(d) by Session Laws 2020-23, s. 2(l), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-9: Recodified as G.S. 46A-50(d) by Session Laws 2020-23, s. 2(l), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-10 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-10 - Recodified as G.S. 46A-51(a) by Session Laws 2020-23, s. 2(m), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-10: Recodified as G.S. 46A-51(a) by Session Laws 2020-23, s. 2(m), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-11 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-11 - Recodified as G.S. 46A-51(b) by Session Laws 2020-23, s. 2(n), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-11: Recodified as G.S. 46A-51(b) by Session Laws 2020-23, s. 2(n), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-12 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-12 - Recodified as G.S. 46A-51(c) by Session Laws 2020-23, s. 2(o), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-12: Recodified as G.S. 46A-51(c) by Session Laws 2020-23, s. 2(o), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-13 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-13 - Recodified as G.S. 46A-52 by Session Laws 2020-23, s. 2(p), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-13: Recodified as G.S. 46A-52 by Session Laws 2020-23, s. 2(p), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-14 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-14 - Recodified as G.S. 46A-25 by Session Laws 2020-23, s. 2(q), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-14: Recodified as G.S. 46A-25 by Session Laws 2020-23, s. 2(q), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-16 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-16 - Recodified as G.S. 46A-26 by Session Laws 2020-23, s. 2(r), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-16: Recodified as G.S. 46A-26 by Session Laws 2020-23, s. 2(r), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-17 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-17 - Recodified as G.S. 46A-55(a) by Session Laws 2020-23, s. 2(s), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-17: Recodified as G.S. 46A-55(a) by Session Laws 2020-23, s. 2(s), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-17.1 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-17.1 - Recodified as G.S. 46A-54 by Session Laws 2020-23, s. 2(t), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-17.1: Recodified as G.S. 46A-54 by Session Laws 2020-23, s. 2(t), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-18 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-18 - Recodified as G.S. 46A-55(b) by Session Laws 2020-23, s. 2(u), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-18: Recodified as G.S. 46A-55(b) by Session Laws 2020-23, s. 2(u), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.
NC Gen Stat § 46-19 (2021)
2021 North Carolina General Statutes|Chapter 46 - Partition|Article 1 - Partition of Real Property.|§ 46-19 - Recodified as G.S. 46A-56 by Session Laws 2020-23, s. 2(v), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.

 46-19: Recodified as G.S. 46A-56 by Session Laws 2020-23, s. 2(v), effective October 1, 2020, and applicable to partition proceedings commenced on or after that date.