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North Carolina General Statutes
Chapter 53C: Regulation of Banks.

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Article 1 - General Provisions. [HTML] [RTF]
G.S. 53C-1-1 53C-1-1. Title.[HTML] [RTF]
G.S. 53C-1-2 53C-1-2. Scope and applicability of Chapter.[HTML] [RTF]
G.S. 53C-1-3 53C-1-3. Existing banks; prohibitions, injunctions.[HTML] [RTF]
G.S. 53C-1-4 53C-1-4. Definitions and application of terms.[HTML] [RTF]
G.S. 53C-1-5 53C-1-5. Severability.[HTML] [RTF]
Article 2 - Commission and Commissioner. [HTML] [RTF]
G.S. 53C-2-1 53C-2-1. The Commission.[HTML] [RTF]
G.S. 53C-2-2 53C-2-2. The Commissioner.[HTML] [RTF]
G.S. 53C-2-3 53C-2-3. The Office of the Commissioner of Banks.[HTML] [RTF]
G.S. 53C-2-4 53C-2-4. Administration of the Office of the Commissioner of Banks.[HTML] [RTF]
G.S. 53C-2-5 53C-2-5. Rule making.[HTML] [RTF]
G.S. 53C-2-6 53C-2-6. Hearings and appeals.[HTML] [RTF]
G.S. 53C-2-7 53C-2-7. Official record.[HTML] [RTF]
Article 3 - Organization of a Bank. [HTML] [RTF]
G.S. 53C-3-1 53C-3-1. Application to organize a bank.[HTML] [RTF]
G.S. 53C-3-2 53C-3-2. Permission to organize a bank.[HTML] [RTF]
G.S. 53C-3-3 53C-3-3. Articles of incorporation of a proposed bank.[HTML] [RTF]
G.S. 53C-3-4 53C-3-4. Commissioner's approval of charter issuance.[HTML] [RTF]
G.S. 53C-3-5 53C-3-5. Notice; public hearing.[HTML] [RTF]
G.S. 53C-3-6 53C-3-6. Commission decision.[HTML] [RTF]
G.S. 53C-3-7 53C-3-7. Issuance of charter.[HTML] [RTF]
Article 4 - Governance of Banks. [HTML] [RTF]
G.S. 53C-4-1 53C-4-1. Banks - Form of organization.[HTML] [RTF]
G.S. 53C-4-2 53C-4-2. Banks controlled by boards of directors.[HTML] [RTF]
G.S. 53C-4-3 53C-4-3. Committees of boards of directors.[HTML] [RTF]
G.S. 53C-4-4 53C-4-4. Minutes of meetings of directors and committees.[HTML] [RTF]
G.S. 53C-4-5 53C-4-5. Qualifications of bank directors.[HTML] [RTF]
G.S. 53C-4-6 53C-4-6. Liability of directors.[HTML] [RTF]
G.S. 53C-4-7 53C-4-7. Directors may declare distributions.[HTML] [RTF]
G.S. 53C-4-8 53C-4-8. Officers and employees shall give bond.[HTML] [RTF]
G.S. 53C-4-9 53C-4-9. Affiliate transactions.[HTML] [RTF]
G.S. 53C-4-10 53C-4-10. Examination of board composition, structure, and conduct.[HTML] [RTF]
G.S. 53C-4-11 53C-4-11. Reserve fund.[HTML] [RTF]
G.S. 53C-4-12 53C-4-12. Compliance review committee.[HTML] [RTF]
G.S. 53C-4-13 53C-4-13. Immediate report of changes in directors and certain officers.[HTML] [RTF]
Article 5 - Powers of Banks. [HTML] [RTF]
G.S. 53C-5-1 53C-5-1. Powers.[HTML] [RTF]
G.S. 53C-5-2 53C-5-2. Investment authority.[HTML] [RTF]
G.S. 53C-5-3 53C-5-3. Banks, fiduciaries authorized to invest in securities approved by the Secretary of Housing and Urban Development, Federal Housing Administration, Veterans Administration.[HTML] [RTF]
Article 6 - Bank Operations. [HTML] [RTF]
G.S. 53C-6-1 53C-6-1. Loans and extensions of credit.[HTML] [RTF]
G.S. 53C-6-2 53C-6-2. Deposits.[HTML] [RTF]
G.S. 53C-6-3 53C-6-3. Securing deposits.[HTML] [RTF]
G.S. 53C-6-4 53C-6-4. Minors.[HTML] [RTF]
G.S. 53C-6-5 53C-6-5: Reserved for future codification purposes.[HTML] [RTF]
G.S. 53C-6-6 53C-6-6. Joint accounts.[HTML] [RTF]
G.S. 53C-6-7 53C-6-7. Payable on Death accounts.[HTML] [RTF]
G.S. 53C-6-8 53C-6-8. Personal agency accounts.[HTML] [RTF]
G.S. 53C-6-9 53C-6-9. Accounts opened by adults for minors.[HTML] [RTF]
G.S. 53C-6-10 53C-6-10. Payment of balance of deceased person or person under disability to personal representative or guardian.[HTML] [RTF]
G.S. 53C-6-11 53C-6-11. Powers of attorney; notice of revocation; payment after notice.[HTML] [RTF]
G.S. 53C-6-12 53C-6-12. Account statements to be rendered annually or on request.[HTML] [RTF]
G.S. 53C-6-13 53C-6-13. Safe deposit boxes; unpaid rentals; procedure; escheats.[HTML] [RTF]
G.S. 53C-6-14 53C-6-14. Reproduction and retention of records; admissibility of copies in evidence; disposition of originals; record production generally.[HTML] [RTF]
G.S. 53C-6-15 53C-6-15. Establishment of branches.[HTML] [RTF]
G.S. 53C-6-16 53C-6-16. Change of location of a branch or principal office.[HTML] [RTF]
G.S. 53C-6-17 53C-6-17. Branch closings.[HTML] [RTF]
G.S. 53C-6-18 53C-6-18. Non-branch bank business offices.[HTML] [RTF]
G.S. 53C-6-19 53C-6-19. Operations; suspension.[HTML] [RTF]
Article 7 - Control Transactions; Combinations; Conversions. [HTML] [RTF]
G.S. 53C-7-101 53C-7-101. Control transactions.[HTML] [RTF]
G.S. 53C-7-102 53C-7-102. Application regarding a control transaction.[HTML] [RTF]
G.S. 53C-7-103 53C-7-103. Public notice.[HTML] [RTF]
G.S. 53C-7-104 53C-7-104. Actions on control transaction applications.[HTML] [RTF]
G.S. 53C-7-105 53C-7-105. Appeal.[HTML] [RTF]
G.S. 53C-7-201 53C-7-201. Combination authority.[HTML] [RTF]
G.S. 53C-7-202 53C-7-202. Combination application and investigation.[HTML] [RTF]
G.S. 53C-7-203 53C-7-203. Decision on application.[HTML] [RTF]
G.S. 53C-7-204 53C-7-204. Interim banks.[HTML] [RTF]
G.S. 53C-7-205 53C-7-205. Fiduciary powers and liabilities in a combination or a transferring of assets and liabilities.[HTML] [RTF]
G.S. 53C-7-206 53C-7-206. Combination with federally chartered institution.[HTML] [RTF]
G.S. 53C-7-207 53C-7-207. Combination with a subsidiary.[HTML] [RTF]
G.S. 53C-7-208 53C-7-208: Repealed by Session Laws 2013-29, s. 18, effective April 16, 2013.[HTML] [RTF]
G.S. 53C-7-209 53C-7-209. Appeal.[HTML] [RTF]
G.S. 53C-7-301 53C-7-301. Conversion to a North Carolina bank charter.[HTML] [RTF]
G.S. 53C-7-302 53C-7-302. Appeal.[HTML] [RTF]
G.S. 53C-7-303 53C-7-303. Conversion by North Carolina bank.[HTML] [RTF]
Article 8 - Bank Supervision. [HTML] [RTF]
G.S. 53C-8-1 53C-8-1. Commissioner has authority to supervise banks.[HTML] [RTF]
G.S. 53C-8-2 53C-8-2. Assessments and fees.[HTML] [RTF]
G.S. 53C-8-3 53C-8-3. Reports required of banks.[HTML] [RTF]
G.S. 53C-8-4 53C-8-4. Examination by Commissioner.[HTML] [RTF]
G.S. 53C-8-5 53C-8-5. Examination of affiliates.[HTML] [RTF]
G.S. 53C-8-6 53C-8-6. Access to books and records; right to issue subpoenas, administer oaths, and examine witnesses.[HTML] [RTF]
G.S. 53C-8-7 53C-8-7. Examiner making false report.[HTML] [RTF]
G.S. 53C-8-8 53C-8-8. Examiner disclosing confidential information.[HTML] [RTF]
G.S. 53C-8-9 53C-8-9. Loans or gratuities forbidden.[HTML] [RTF]
G.S. 53C-8-10 53C-8-10. Willfully and maliciously making derogatory reports.[HTML] [RTF]
G.S. 53C-8-11 53C-8-11. Misapplication, embezzlement of funds.[HTML] [RTF]
G.S. 53C-8-12 53C-8-12. Enforcement of the banking laws.[HTML] [RTF]
G.S. 53C-8-13 53C-8-13. Immediate action orders.[HTML] [RTF]
G.S. 53C-8-14 53C-8-14. Supervisory control.[HTML] [RTF]
G.S. 53C-8-15 53C-8-15. Removal of directors, officers, and employees.[HTML] [RTF]
G.S. 53C-8-16 53C-8-16. Emergency powers.[HTML] [RTF]
G.S. 53C-8-17 53C-8-17. Interstate regulatory agreements.[HTML] [RTF]
Article 9 - Supervisory Liquidation; Voluntary Dissolution and Liquidation. [HTML] [RTF]
G.S. 53C-9-101 53C-9-101. Supervisory combinations.[HTML] [RTF]
G.S. 53C-9-102 53C-9-102. Distributions; assignments restricted.[HTML] [RTF]
G.S. 53C-9-103 53C-9-103. Cancellation of charter.[HTML] [RTF]
G.S. 53C-9-201 53C-9-201. Voluntary dissolution prior to receipt of charter.[HTML] [RTF]
G.S. 53C-9-202 53C-9-202. Voluntary dissolution.[HTML] [RTF]
G.S. 53C-9-203 53C-9-203. Voluntary dissolution and liquidation procedure.[HTML] [RTF]
G.S. 53C-9-301 53C-9-301. Receivership.[HTML] [RTF]
G.S. 53C-9-401 53C-9-401. Statute relating to receivers applicable to insolvent banks.[HTML] [RTF]
G.S. 53C-9-402 53C-9-402. Storage and destruction of records.[HTML] [RTF]
G.S. 53C-9-403 53C-9-403. Authority to serve as trustee terminated.[HTML] [RTF]
G.S. 53C-9-404 53C-9-404. Petition for new trustee; upon parties interested.[HTML] [RTF]
G.S. 53C-9-405 53C-9-405. Appointment of substitute trustee where no objection made.[HTML] [RTF]
G.S. 53C-9-406 53C-9-406. Hearing where objection made; appeal from order.[HTML] [RTF]
G.S. 53C-9-407 53C-9-407. Registration of final order.[HTML] [RTF]
G.S. 53C-9-408 53C-9-408. Petition and order applicable to all instruments involved.[HTML] [RTF]
G.S. 53C-9-409 53C-9-409. Additional remedy.[HTML] [RTF]
Article 10 - Bank Holding Companies. [HTML] [RTF]
G.S. 53C-10-101 53C-10-101. Holdings companies.[HTML] [RTF]
G.S. 53C-10-102 53C-10-102. Holding company control transaction.[HTML] [RTF]
G.S. 53C-10-103 53C-10-103. Application regarding a control transaction.[HTML] [RTF]
G.S. 53C-10-104 53C-10-104. Public notice.[HTML] [RTF]
G.S. 53C-10-105 53C-10-105. Actions on control transaction applications.[HTML] [RTF]
G.S. 53C-10-106 53C-10-106. Appeal.[HTML] [RTF]
G.S. 53C-10-201 53C-10-201. Combination authority.[HTML] [RTF]
G.S. 53C-10-202 53C-10-202. Combination application and investigation.[HTML] [RTF]
G.S. 53C-10-203 53C-10-203. Decision on application.[HTML] [RTF]
G.S. 53C-10-204 53C-10-204. Appeal.[HTML] [RTF]
G.S. 53C-10-301 53C-10-301. Cease and desist order.[HTML] [RTF]
G.S. 53C-10-302 53C-10-302. Other control changes.[HTML] [RTF]