# North Carolina HB 734: AN ACT TO MODERNIZE AND EXPAND THE PROHIBITION OF DEBT SETTLEMENT BY MAKING DEBT SETTLEMENT AN UNFAIR TRADE PRACTICE, CLARIFYING THE DEFINITION OF DEBT SETTLEMENT, EXPANDING CIVIL REMEDIES AVAILABLE TO DEBTORS, AND LIMITING DEBT SETTLEMENT ACTS THAT ARE AUTHORIZED AND TO MAKE OTHER ADMINISTRATIVE AND TECHNICAL CHANGES.

North Carolina HB 734, AN ACT TO MODERNIZE AND EXPAND THE PROHIBITION OF DEBT SETTLEMENT BY MAKING DEBT SETTLEMENT AN UNFAIR TRADE PRACTICE, CLARIFYING THE DEFINITION OF DEBT SETTLEMENT, EXPANDING CIVIL REMEDIES AVAILABLE TO DEBTORS, AND LIMITING DEBT SETTLEMENT ACTS THAT ARE AUTHORIZED AND TO MAKE OTHER ADMINISTRATIVE AND TECHNICAL CHANGES., is a 2025-2026 Session House bill sponsored by Brenden H. Jones (Republican), Julia C. Howard (Republican), Ya Liu (Democratic) and 1 others; status passed house, last action 2025-04-28 (Ref To Com On Rules and Operations of the Senate); PRIA reads it as touching household money (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/NC-HB734-2025
- 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 734
- State: North Carolina
- Session: 2025-2026 Session
- Title: AN ACT TO MODERNIZE AND EXPAND THE PROHIBITION OF DEBT SETTLEMENT BY MAKING DEBT SETTLEMENT AN UNFAIR TRADE PRACTICE, CLARIFYING THE DEFINITION OF DEBT SETTLEMENT, EXPANDING CIVIL REMEDIES AVAILABLE TO DEBTORS, AND LIMITING DEBT SETTLEMENT ACTS THAT ARE AUTHORIZED AND TO MAKE OTHER ADMINISTRATIVE AND TECHNICAL CHANGES.
- Status: passed house
- Chamber: House
- Introduced: 2025-04-02
- Last action: 2025-04-28, Ref To Com On Rules and Operations of the Senate
- Sponsors: Brenden H. Jones (Republican), Julia C. Howard (Republican), Ya Liu (Democratic), Mitchell S. Setzer (Republican)
- Cosponsors: 5
- Subjects: COMMERCE, CONSUMER PROTECTION, CORPORATIONS, FOR-PROFIT, COURTS, DEBTOR & CREDITOR, FINANCIAL SERVICES, PUBLIC, SUPERIOR COURT
- Touches household money: yes
- Roll calls: 1 (112 yes, 0 no in all)
- Economic provisions PRIA read: 0

## Summary

No summary available.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Brenden H. Jones (Republican), House
- Sponsor: Julia C. Howard (Republican), House
- Sponsor: Ya Liu (Democratic), House
- Sponsor: Mitchell S. Setzer (Republican), House
- Cosponsor: Deb Butler (Democratic), House
- Cosponsor: Tim Longest (Democratic), House
- Cosponsor: Ben T. Moss, Jr. (Republican), House
- Cosponsor: Paul Scott (Republican), House
- Cosponsor: Bill Ward (Republican), House

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-04-16 | House | HB 734: Modernize Debt Settlement Prohibition. | pass | 112 | 0 | 7 |

## Actions (15)

- 2025-04-28: Ref To Com On Rules and Operations of the Senate (Senate)
- 2025-04-28: Passed 1st Reading (Senate)
- 2025-04-28: Regular Message Received From House (Senate)
- 2025-04-17: Regular Message Sent To Senate (House)
- 2025-04-16: Passed 3rd Reading (House)
- 2025-04-16: Passed 2nd Reading (House)
- 2025-04-15: Placed On Cal For 04/16/2025 (House)
- 2025-04-15: Cal Pursuant Rule 36(b) (House)
- 2025-04-15: Reptd Fav (House)
- 2025-04-15: Re-ref Com On Rules, Calendar, and Operations of the House (House)
- 2025-04-15: Reptd Fav (House)
- 2025-04-10: Serial Referral To Finance Stricken (House)
- 2025-04-03: Ref to the Com on Judiciary 1, if favorable, Finance, if favorable, Rules, Calendar, and Operations of the House (House)
- 2025-04-03: Passed 1st Reading (House)
- 2025-04-02: Filed (House)

## Bill text

- Filed: [PDF](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H734v0.pdf)
- Latest Edition: [PDF](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H734v1.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 377: 2026 Court Changes. (vetoed)
- HB 958: AN ACT TO MAKE VARIOUS CHANGES TO ELECTION ADMINISTRATION LAWS AND CAMPAIGN FINANCE LAWS. (vetoed)
- HB 268: 2026 Budget Technical Corrections - II. (signed)
- SB 445: Regulatory Reform Act of 2026. (signed)
- HB 199: Authorize Municipal Deannexation. (passed house)

## Sources
- [Filed (PDF)](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H734v0.pdf)
- [Latest Edition (PDF)](https://www.ncleg.gov/Sessions/2025/Bills/House/PDF/H734v1.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 377: 2026 Court Changes.](https://policyrisk.com/state-bill/NC-HB377-2025)
- [HB 958: AN ACT TO MAKE VARIOUS CHANGES TO ELECTION ADMINISTRATION LAWS AND CAMPAIGN FIN…](https://policyrisk.com/state-bill/NC-HB958-2025)
- [HB 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 199: Authorize Municipal Deannexation.](https://policyrisk.com/state-bill/NC-HB199-2025)
- [North Carolina bills](https://policyrisk.com/states/north-carolina/bills)
- [North Carolina state hub](https://policyrisk.com/states/north-carolina)
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Source: PRIA, https://policyrisk.com/state-bill/NC-HB734-2025 (as of 2026-11-01).