reglab/housing_qa huggingface dataset:
NC Gen Stat § 53C-6-4 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 6 - Bank Operations.|§ 53C-6-4 - Minors.

 53C-6-4. Minors.(a) A bank may issue and operate a deposit account in the name of a minor or in the name of two or more individuals, one or more of whom are minors, and receive payments, pay withdrawals, accept a pledge of the account, issue automated teller machine (ATM) and debit cards, contract for overdraft protection, and act in any other manner with respect to the account on the order of the minor with like effect as if the minor were of full age and legal capacity. Any payment to or at the direction of a minor is a discharge of the bank to the extent thereof. The account shall be held for the exclusive right and benefit of the minor and any joint owners, free from the control of all other persons except creditors. A minor who obtains a deposit account from a bank under this subsection, whether individually or together with others, is bound by the terms of the deposit account agreement to the same extent as if the minor were of full age and legal capacity.(b) Any bank may lease a safe deposit box to a minor or to two or more individuals, one or more of whom are minors. With respect to any such lease, a bank may deal with the minor in all regards as if the minor were of full age and legal capacity. A minor entering a lease agreement with a bank under this subsection, whether individually or together with others, is bound by the terms of the safe deposit box agreement to the same extent as if the minor were of full age and legal capacity.(c) If a minor with a deposit account, other than a joint account with right of survivorship or a Payable on Death account, dies, a parent or legal guardian of the minor may access and withdraw the funds on deposit, and the bank is discharged to the extent of any withdrawal. If a minor with a safe deposit box dies, the provisions of G.S. 28A-15-13 shall control the opening, inventory, and release of contents of the safe deposit box.(d) This section shall not affect the law governing transactions with minors in cases outside the scope of this section, including transactions that constitute an extension of credit to the minor.  (2012-56, s. 4.)
NC Gen Stat § 53C-6-9 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 6 - Bank Operations.|§ 53C-6-9 - Accounts opened by adults for minors.

 53C-6-9. Accounts opened by adults for minors.(a) One or more adults may open and maintain a custodial deposit account for or in the name of a minor and using the minor's taxpayer identification number. Unless otherwise provided in the agreement governing the account the following terms apply:(1) Beneficial ownership of the account vests exclusively in the minor. All interest credited to the account shall belong to the minor and shall be reported to the appropriate taxing authorities in the name of the minor using the minor's taxpayer identification number.(2) Except as otherwise provided, control of the account vests exclusively in the custodian whose name appears on the bank's records for the account. If there is more than one custodian named on the bank's account records, each may act independently. Any one or more of the custodians named on the bank's records may turn over control of the account to the minor at any time, either before or after the minor reaches the age of majority.(3) If the custodian has not already transferred control, then after the minor beneficiary reaches the age of majority, the beneficiary may instruct the bank to transfer control to the beneficiary and remove the named custodian.(4) If the custodian or, if more than one custodian is on the account, the last of the custodians to survive dies before the minor reaches the age of majority, the minor's parent or the minor's legal guardian may act as custodian or name another custodian on the account.(b) This section shall not be deemed exclusive. Accounts not conforming to this section shall be governed by other applicable provisions of the General Statutes, including Chapter 33A, the North Carolina Uniform Transfers to Minors Act, or the common law, as appropriate.  (2012-56, s. 4.)
NC Gen Stat § 53C-6-10 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 6 - Bank Operations.|§ 53C-6-10 - Payment of balance of deceased person or person under disability to personal representative or guardian.

 53C-6-10. Payment of balance of deceased person or person under disability to personal representative or guardian.(a) A bank may pay any balance on deposit to the credit of any deceased individual to the duly qualified personal representative, collector, or public administrator of the decedent who is qualified as such under the laws of any state.(b) A bank may pay any balance on deposit to the credit of any individual judicially declared incompetent or otherwise under a legal disability to the duly qualified personal representative, guardian, curator, conservator, or committee of the person declared incompetent or under disability who is qualified as such under the laws of any state.(c) The presentation of a letter of qualification as personal representative, collector, public administrator, guardian, curator, conservator, or committee of the person issued or certified by the appointing court shall be conclusive proof of the jurisdiction of the court issuing the same and sufficient authority for the payment.(d) Payment by a bank in good faith under the authority of this section discharges the liability of the bank to the extent of the payment.  (2012-56, s. 4.)
NC Gen Stat § 53C-6-11 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 6 - Bank Operations.|§ 53C-6-11 - Powers of attorney; notice of revocation; payment after notice.

 53C-6-11. Powers of attorney; notice of revocation; payment after notice.(a) Any bank may continue to recognize any act of an attorney-in-fact or other agent until the bank receives actual notice of the principal's death or a written notice of revocation signed by the principal who granted the authority or, in the case of a company, evidence satisfactory to the bank of the revocation. Payment by the bank to or at the direction of an attorney-in-fact or other agent before receipt of the notice is a total discharge of the bank's obligation as to the amount so paid.(b) Notwithstanding that a bank has received written notice of revocation of the authority of an attorney-in-fact or other designated agent, a bank may, until 10 days after receipt of notice, pay any item made, drawn, accepted, or endorsed by the attorney-in-fact or agent prior to the revocation, provided that the item is otherwise properly payable.  (2012-56, s. 4.)
NC Gen Stat § 53C-6-12 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 6 - Bank Operations.|§ 53C-6-12 - Account statements to be rendered annually or on request.

 53C-6-12. Account statements to be rendered annually or on request.(a) Every bank shall render an account statement for each deposit account at least annually to the depositor; provided, however, the statements are not required for time deposits. Every bank shall render a statement of account for each deposit account, including time deposits upon receipt of an appropriate request reasonably made by a depositor.(b) For purposes of this section, an account statement is deemed to have been "rendered" to a depositor as of the earlier of the date the statement is mailed to the depositor's address as shown on bank records and the date the account is posted to the bank's Web site in a manner and a form ensuring the statement to be readily available to the depositor; provided however, the bank and the depositor may agree that an account statement may be rendered by other means.(c) Nothing in this section shall be construed to relieve the depositor from the duty of exercising due diligence in the review of an account statement rendered by the bank and of timely notification to the bank upon discovery of any error.  (2012-56, s. 4.)
NC Gen Stat § 53C-6-14 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 6 - Bank Operations.|§ 53C-6-14 - Reproduction and retention of records; admissibility of copies in evidence; disposition of originals; record production generally.

 53C-6-14. Reproduction and retention of records; admissibility of copies in evidence; disposition of originals; record production generally.(a) Any bank may cause any or all records kept by it to be recorded, copied, or reproduced by any photographic, reproduction, electronic, or digital process or method, or by any other records retention technology approved by rule or order of the Commissioner, of a kind that is capable of accurately converting the records into tangible form within a reasonable time. Each such converted tangible form of record also shall be deemed a record.(b) Any tangible form of a record shall be deemed for all purposes to be an original record and shall be admissible in evidence in all courts and administrative agencies in this State, if otherwise admissible, and the bank may destroy or otherwise dispose of the original form of the record; provided, however, that a bank shall retain either the originals or convertible form of its records for such period as may be required by law or by rule or order of the Commissioner. Any bank may dispose of any original or convertible form of a record that has been retained for the period prescribed by law or by rule or order of the Commissioner for its class.(c) Originals and converted tangible forms of records shall not be held inadmissible in any court action or proceeding on the grounds that they lack certification, identification, or authentication and shall be received as evidence if otherwise admissible in any court or quasi-judicial proceeding if they have been identified and authenticated by the live testimony of a competent witness or if the records are accompanied by a certificate substantially in the following form:"CERTIFICATE REGARDING BANK RECORDS  1. The accompanying documents are true and correct copies of the records of [name of bank]. The records were made in the regular course of business of the bank at or near the time of the acts, events, or conditions they reflect.2. The undersigned is authorized to execute this certificate.3. This certificate is issued pursuant to G.S. 53C-6-14.I certify, under penalty of perjury under the laws of the State of North Carolina, that the foregoing statements are true and correct.Date: _____________________  __________________________________   Signature  __________________________________   Print or type name  __________________________________   Title  [Notarize as required by law for an affidavit]"(d) This section supplements and does not supersede G.S. 8-45.1.  (2012-56, s. 4.)
NC Gen Stat § 53C-6-15 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 6 - Bank Operations.|§ 53C-6-15 - Establishment of branches.

 53C-6-15. Establishment of branches.(a) A bank may establish one or more branches in this State, whether de novo or by acquisition of existing branches of another depository institution, with the prior written approval of the Commissioner. The Commissioner's approval may be given or withheld, in the Commissioner's discretion, in accordance with the provisions of subsection (c) of this section.(b) A bank may establish branches in another state, whether de novo or by acquisition of existing branches of another depository institution, in accordance with the provisions of applicable federal law and the laws of the other state, upon prior written approval of the Commissioner. The Commissioner's approval may be given or withheld in the Commissioner's discretion in accordance with the provisions of subsection (c) of this section.(c) A bank seeking authority to establish a branch shall make application to the Commissioner in a form acceptable to the Commissioner. Not more than 30 days before nor less than 10 days after the filing of the application with the Commissioner, the applicant shall publish public notice of the filing of the application. The public notice shall contain all of the following:(1) A statement that the application has been filed with the Commissioner.(2) The physical address or location of the proposed branch, including street and city or town.(3) A statement that any interested person may make written comment on the application to the Commissioner and that comments received by the Commissioner within 14 days of the date of publication of the public notice shall be considered. The public notice shall provide the then current mailing address of the Commissioner.(d) A bank may conduct any activities at a branch in another state authorized under this section that are permissible for a bank chartered by the other state where the branch is located, except to the extent the activities are expressly prohibited by the laws of this State or by any rule or order of the Commissioner applicable to the bank.(e) Upon receipt of an application to establish a branch, the Commissioner shall conduct an examination of the pertinent facts and information and may request such additional information as the Commissioner deems necessary to make a decision on the application. In deciding whether to approve a branch application, the Commissioner shall take into account such factors as the financial condition and history of the applicant; the adequacy of its capital; the applicant's future earnings prospects; the character, competency, and experience of its management; the probable impact of the branch on the condition of the applicant bank and existing depository institutions in the community to be served; and the convenience and needs of the community the proposed branch is to serve.  (2012-56, s. 4.)
NC Gen Stat § 53C-6-16 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 6 - Bank Operations.|§ 53C-6-16 - Change of location of a branch or principal office.

 53C-6-16. Change of location of a branch or principal office.(a) A bank may change the location of its principal office or a branch with the prior written approval of the Commissioner. A request to relocate the principal office or a branch of a bank shall be made in a form acceptable to the Commissioner and shall include information regarding the reason for the proposed relocation, the distance and direction of the move, and such other information as the Commissioner may require in order to reach a decision in the matter.(b) Not more than 30 days before nor less than 10 days after filing a request to relocate the principal office or a branch of a bank, the applicant shall publish public notice of the request. The public notice shall contain all of the following:(1) A statement that the request has been filed with the Commissioner.(2) The physical address of the principal office or branch to be relocated and the physical address of the proposed new location.(3) A statement that any interested person may make written comment on the request to the Commissioner and that comments received by the Commissioner within 14 days of the date of publication of the public notice will be considered. The statement shall provide the then current mailing address of the Commissioner.(c) The Commissioner shall approve a request to relocate the principal office or a branch of a bank if the relocation is to a site within the same vicinity as the original location, or does not result in a material change in the primary service area of the principal office or branch, or is considered important to the economic viability of the bank or the branch, or is otherwise found not to be inconsistent with the public need and convenience.  (2012-56, s. 4.)
NC Gen Stat § 53C-6-17 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 6 - Bank Operations.|§ 53C-6-17 - Branch closings.

 53C-6-17. Branch closings.A bank may close a branch upon providing written notice to the Commissioner and the customers of the branch at least 90 days prior to the proposed closing. The notice shall include the date the branch will close and posting, in a conspicuous manner on the branch premises for a period of 30 days prior to the proposed closing date, a notice of its intent to close the branch. The consolidation of two or more branches into a single location in the same vicinity shall not be considered a closure subject to the 90-day and 30-day notice requirements of this section. To be considered a consolidation, the bank shall request consolidation treatment from the Commissioner, who shall decide, in his or her discretion, whether the branches to be consolidated are considered to be in the same vicinity, with due consideration to the distance between the branches and the nature of the market in which the branches are situated.  (2012-56, s. 4.)
NC Gen Stat § 53C-6-18 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 6 - Bank Operations.|§ 53C-6-18 - Non-branch bank business offices.

 53C-6-18. Non-branch bank business offices.(a) A bank may establish in this State or another state one or more non-branch bank business offices as defined by G.S. 53C-1-4(46), subject to the following requirements:(1) If a proposed non-branch bank business office will be used in connection with a new activity for which an application is required under G.S. 53C-5-1(d) or an investment for which a notice is required under G.S. 53C-5-2(e), that application or notice shall include written notification of the intent to open the office. The notification shall include the proposed location of the office and a description of the business to be conducted at the office. If the Commissioner does not request additional information or object to its establishment within 10 days of the date of receipt of the notification, the non-branch bank business office shall be deemed approved. In deciding whether to object to the establishment of a non-branch bank business office, the Commissioner shall consider, without limitation, whether the business proposed to be conducted at the non-branch bank business office is permissible for a bank, the costs of its establishment and ongoing operation and the impact of the costs on the bank's capital and profitability, and the ability of the bank's management to conduct the proposed business.(2) If written notification is not required under subdivision (a)(1) of this section, the bank shall provide the Commissioner with written notification of the location of the office and a description of the business to be conducted at the office.(b) An out-of-state bank may establish and operate a non-branch bank business office in this State upon written notice to the Commissioner.(c) A bank or an out-of-state bank may close a non-branch bank business office at any time with notice to the Commissioner.(d) No deposits may be taken at a non-branch bank business office.  (2012-56, s. 4; 2017-165, s. 8.)
NC Gen Stat § 53C-6-19 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 6 - Bank Operations.|§ 53C-6-19 - Operations; suspension.

 53C-6-19. Operations; suspension.(a) A bank, any of its branches, and any of its non-branch bank business offices may operate on such days and during such hours, and may observe such holidays, as the bank's board of directors shall designate.(b) Whenever the Commissioner determines that an emergency exists or is pending in this State or any part thereof, the Commissioner may authorize banks operating in the affected area or areas to suspend any or all of their operations in such area or areas for such period or periods as the Commissioner establishes. An emergency is any condition or occurrence that may interfere with a bank's operations or poses an existing or imminent threat to the safety or security of persons or property, or both.(c) In the event that an emergency exists or is pending in this State or any part thereof and a bank operating in the affected area or areas is unable to communicate the existence or pendency of the emergency to the OCOB, an officer of the bank may suspend any or all of the bank's operations in the affected area or areas without the prior approval of the Commissioner. The bank shall give notice of such closing to the Commissioner as soon as practicable.  (2012-56, s. 4.)
NC Gen Stat § 53C-6-20 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 6 - Bank Operations.|§ 53C-6-20 - Savings promotion raffles.

 53C-6-20. Savings promotion raffles.A bank may offer a savings promotion raffle in which the sole consideration required for a chance of winning designated prizes is the deposit of a minimum specified amount of money in a savings account or other savings program offered by the bank. A bank shall maintain records sufficient to facilitate an audit of the savings promotion raffle, shall conduct the savings promotion raffle in a safe and sound manner, and shall fully disclose the terms and conditions of the promotion to account holders and prospective account holders of the bank.  (2019-173, s. 2(b).)
NC Gen Stat § 53C-7-102 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 7 - Control Transactions; Combinations; Conversions.|§ 53C-7-102 - Application regarding a control transaction.

 53C-7-102. Application regarding a control transaction.(a) A person seeking approval of a control transaction involving a bank under this Article shall file the following with the Commissioner:(1) An application in the form prescribed by the Commissioner.(2) All filing fees required by a rule of the Commissioner.(3) Such information as is required by a rule of the Commissioner or as is deemed by the Commissioner to achieve the objectives of this Chapter.(b) In the event a person submitting an application is a group of persons, the Commissioner may require each member of the group to submit information relevant to the application.(c) Notwithstanding any laws to the contrary, information about the character, competence, or experience of an acquiring person or its proposed management personnel or affiliates shall be deemed a record of the Commissioner and subject to G.S. 53C-2-7(b).  (2012-56, s. 4; 2013-29, s. 15.)
NC Gen Stat § 53C-7-103 (2021)
2021 North Carolina General Statutes|Chapter 53C - Regulation of Banks|Article 7 - Control Transactions; Combinations; Conversions.|§ 53C-7-103 - Public notice.

 53C-7-103. Public notice.A person filing an application for approval of a control application shall publish a public notice of the filing of the application not more than 30 days before nor more than 10 days after the filing of the application with the Commissioner. The public notice shall contain the following:(1) A statement that the application has been filed with the Commissioner.(2) The name of the applicable bank and the address of its principal office.(3) A statement that any interested person may make written comment on the proposed control transaction and that comments received by the Commissioner within 14 days of the date of the publication of the public notice shall be considered. The public notice shall provide the current mailing address of the Commissioner.  (2012-56, s. 4.)