# North Carolina HB 1211: AN ACT TO REGULATE HOME EQUITY INVESTMENT LOANS AS RESIDENTIAL MORTGAGE LOANS, TO IMPOSE CERTAIN CONSUMER PROTECTIONS ON THOSE LOANS, TO PROHIBIT CERTAIN MANDATORY ARBITRATION TERMS IN COVERED MORTGAGE TRANSACTIONS, TO MAKE VIOLATIONS UNFAIR OR DECEPTIVE ACTS OR PRACTICES, AND TO AUTHORIZE FEES TO IMPLEMENT THIS ACT.

North Carolina HB 1211, AN ACT TO REGULATE HOME EQUITY INVESTMENT LOANS AS RESIDENTIAL MORTGAGE LOANS, TO IMPOSE CERTAIN CONSUMER PROTECTIONS ON THOSE LOANS, TO PROHIBIT CERTAIN MANDATORY ARBITRATION TERMS IN COVERED MORTGAGE TRANSACTIONS, TO MAKE VIOLATIONS UNFAIR OR DECEPTIVE ACTS OR PRACTICES, AND TO AUTHORIZE FEES TO IMPLEMENT THIS ACT., is a 2025-2026 Session House bill sponsored by Ya Liu (Democratic), Tim Longest (Democratic); status in committee, last action 2026-05-05 (Ref To Com On Rules, Calendar, and Operations of the House) (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/NC-HB1211-2025
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: North Carolina HB 1211
- State: North Carolina
- Session: 2025-2026 Session
- Title: AN ACT TO REGULATE HOME EQUITY INVESTMENT LOANS AS RESIDENTIAL MORTGAGE LOANS, TO IMPOSE CERTAIN CONSUMER PROTECTIONS ON THOSE LOANS, TO PROHIBIT CERTAIN MANDATORY ARBITRATION TERMS IN COVERED MORTGAGE TRANSACTIONS, TO MAKE VIOLATIONS UNFAIR OR DECEPTIVE ACTS OR PRACTICES, AND TO AUTHORIZE FEES TO IMPLEMENT THIS ACT.
- Status: in committee
- Chamber: House
- Introduced: 2026-04-30
- Last action: 2026-05-05, Ref To Com On Rules, Calendar, and Operations of the House
- Sponsors: Ya Liu (Democratic), Tim Longest (Democratic)
- Cosponsors: 6
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

No summary available.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Ya Liu (Democratic), House
- Sponsor: Tim Longest (Democratic), House
- Cosponsor: Eric Ager (Democratic), House
- Cosponsor: Deb Butler (Democratic), House
- Cosponsor: Tracy Clark (Democratic), House
- Cosponsor: Julia Greenfield (Democratic), House
- Cosponsor: Pricey Harrison (Democratic), House
- Cosponsor: James Roberson (Democratic), House

## Actions (3)

- 2026-05-05: Ref To Com On Rules, Calendar, and Operations of the House (House)
- 2026-05-05: Passed 1st Reading (House)
- 2026-04-30: Filed (House)

## Bill text

- Filed: [PDF](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H1211v0.pdf)
- Latest Edition: [PDF](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H1211v1.pdf)

## Related bills

- HB 96: AN ACT TO CREATE AN ALTERNATIVE REMEDY FOR THE EXPEDITED REMOVAL OF UNAUTHORIZED PERSONS FROM PRIVATE PROPERTY BY A LAW ENFORCEMENT AGENCY. (vetoed)
- HB 958: AN ACT TO MAKE VARIOUS CHANGES TO ELECTION ADMINISTRATION LAWS AND CAMPAIGN FINANCE LAWS. (vetoed)
- HB 377: 2026 Court Changes. (vetoed)
- HB 268: 2026 Budget Technical Corrections - II. (signed)
- SB 445: Regulatory Reform Act of 2026. (signed)
- HB 832: Education Omnibus. (passed senate)

## Sources
- [Filed (PDF)](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H1211v0.pdf)
- [Latest Edition (PDF)](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H1211v1.pdf)

## Related
- [HB 96: AN ACT TO CREATE AN ALTERNATIVE REMEDY FOR THE EXPEDITED REMOVAL OF UNAUTHORIZE…](https://policyrisk.com/state-bill/NC-HB96-2025)
- [HB 958: AN ACT TO MAKE VARIOUS CHANGES TO ELECTION ADMINISTRATION LAWS AND CAMPAIGN FIN…](https://policyrisk.com/state-bill/NC-HB958-2025)
- [HB 377: 2026 Court Changes.](https://policyrisk.com/state-bill/NC-HB377-2025)
- [HB 268: 2026 Budget Technical Corrections - II.](https://policyrisk.com/state-bill/NC-HB268-2025)
- [SB 445: Regulatory Reform Act of 2026.](https://policyrisk.com/state-bill/NC-SB445-2025)
- [HB 832: Education Omnibus.](https://policyrisk.com/state-bill/NC-HB832-2025)
- [North Carolina bills](https://policyrisk.com/states/north-carolina/bills)
- [North Carolina state hub](https://policyrisk.com/states/north-carolina)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/NC-HB1211-2025 (as of 2026-11-01).