All Roll Calls
Yes: 309 • No: 1
North CarolinaHB 9922025-2026 SessionHouseWALLET
AN ACT TO CREATE A TIMESHARE TRUSTEE FORECLOSURE PROCESS FOR CERTAIN DELINQUENT ASSESSMENTS FOR TIMESHARES LOCATED IN THIS STATE.
Sponsored By: Celeste C. Cairns (Republican), Stephen M. Ross (Republican), Steve Tyson (Republican), Matthew Winslow (Republican)
Signed by Governor
DEBTOR & CREDITORESTATESFORECLOSURESHOUSINGLIENSMINORSPRESENTEDPROPERTYPUBLICRATIFIEDREAL ESTATECHAPTERED
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Bill Overview
Analyzed Economic Effects
6 provisions identified: 1 benefits, 2 costs, 3 mixed.
Higher timeshare fees and liens
Beginning December 1, 2025, if you fall behind on timeshare assessments, the manager can charge interest up to the legal limit, late fees, and collection costs, including attorney and collection agency fees. These charges are secured by a lien on your timeshare. The lien starts when assessments are due and can be enforced in court or by a nonjudicial trustee foreclosure. For first mortgages, the lien is effective only after the claim of lien is filed. A claim of lien can cover current and future delinquencies and expires when paid or five years after filing unless enforcement starts sooner. In a trustee foreclosure, the manager can also recover reasonable attorney and trustee fees.
New trustee foreclosure for timeshares
Beginning December 1, 2025, a nonjudicial trustee foreclosure process applies to timeshares. At least 15 days before filing a claim of lien, the manager must mail a statement and later file a certificate showing it sent required notices by registered or certified (or designated delivery) and first‑class mail. Before docketing, the owner gets a 30‑day notice with an objection form; a timely objection sends the case to court. No sooner than six months after the debt was due and after filing the claim of lien, the manager can docket a judgment that earns 8% yearly interest and adds mailing/publication costs plus a $250 charge. A trustee then gives required sale notices and holds a public sale, issuing a trustee’s deed; after the sale, the owner has no personal liability and no deficiency judgment is allowed.
Paternity rules for inheritance and birth
Beginning December 1, 2025, a child born out of wedlock can inherit from a father only if paternity is finally decided by a court or the father signs a written acknowledgment before a certifying officer and it is filed with the clerk during both lives. If the mother was unmarried from conception through birth, the father is listed on the birth certificate only if both parents sign and file a sworn affidavit. The affidavit must include the mother’s sworn consent, the father’s sworn belief he is the natural father, a plain‑language explanation of the legal effects, and both parents’ Social Security numbers. The State Registrar provides the form and an information sheet, and the father has a statutory right to rescind. Signing the birth certificate affidavit alone does not create inheritance rights unless the acknowledgment is also filed with the clerk.
Delinquent owners lose use and rentals
Beginning December 1, 2025, if your assessment is 30 days late, the manager can block you and your guests from using units and making reservations after giving written notice. The manager must also notify exchange companies, with a 48‑hour carve‑out for confirmed assignments after they get the notice. The manager cannot enforce this against some owners and not others. If you stay delinquent, after giving a further notice at least 30 days after the due date and waiting 10 more days, the manager can rent your timeshare or your use rights. Net rental money must go to your debt, but you still owe any shortfall.
Timeshare foreclosure safeguards and procedures
Beginning December 1, 2025, liens that are only fines (and related interest or attorney fees) or only certain service or administration fees cannot use the nonjudicial trustee foreclosure; they must go to court. Managers can combine claims against multiple owners in the same project when the default and remedy rules are substantially the same, allowing joint notices and sale documents. If a foreclosure has an irregularity, a purchaser can step into the lienholder’s shoes to re‑foreclose and fix it. Foreclosures started before March 1, 2026, and their sales are valid unless challenged by March 1, 2026, or within one year after the sale, whichever is later.
When these rules take effect
Sections 1 and 2 take effect December 1, 2025, and apply to claims of lien filed on or after that date. Sections 3 and 4 take effect December 1, 2025, and apply to estates of people who die on or after that date. The rest of the act is effective when it became law.
Sponsors & Cosponsors
Sponsors
Celeste C. Cairns
Republican • House
Stephen M. Ross
Republican • House
Steve Tyson
Republican • House
Matthew Winslow
Republican • House
Cosponsors
Brian Biggs
Republican • House
Laura Budd
Democratic • House
Pricey Harrison
Democratic • House
Todd Johnson
Republican • Senate
Charles W. Miller
Republican • House
Joseph Pike
Republican • House
Jr. A. Reece Pyrtle
Republican • House
Jeff Zenger
Republican • House
Roll Call Votes
House vote • 6/26/2025
HB 992: Timeshare Foreclosure/Paternity Matters.
Yes: 108 • No: 0 • Other: 10
Senate vote • 6/25/2025
HB 992: Timeshare Foreclosure/Paternity Matters.
Yes: 46 • No: 0 • Other: 4
Senate vote • 6/25/2025
HB 992: Timeshare Foreclosure/Paternity Matters.
Yes: 45 • No: 1 • Other: 4
House vote • 5/7/2025
HB 992: Timeshare Foreclosures.
Yes: 110 • No: 0 • Other: 8
Actions Timeline
Ch. SL 2025-75
7/9/2025HouseSigned by Gov. 7/9/2025
7/9/2025HousePres. To Gov. 7/1/2025
7/1/2025HouseRatified
6/30/2025HouseOrdered Enrolled
6/26/2025HouseConcurred In S Com Sub
6/26/2025HousePlaced On Cal For 06/26/2025
6/25/2025HouseCal Pursuant 36(b)
6/25/2025HouseSpecial Message Received For Concurrence in S Com Sub
6/25/2025HouseSpecial Message Sent To House
6/25/2025SenateEngrossed
6/25/2025SenatePassed 3rd Reading
6/25/2025SenatePassed 2nd Reading
6/25/2025SenateAmend Adopted A1
6/25/2025SenatePlaced On Cal For 06/25/2025
6/24/2025SenateWithdrawn From Cal
6/24/2025SenateReptd Fav
6/23/2025SenateRe-ref Com On Rules and Operations of the Senate
6/19/2025SenateCom Substitute Adopted
6/19/2025SenateReptd Fav Com Substitute
6/19/2025SenateRe-ref Com On Finance
6/18/2025SenateCom Substitute Adopted
6/18/2025SenateReptd Fav Com Substitute
6/18/2025SenateRe-ref to Judiciary. If fav, re-ref to Finance. If fav, re-ref to Rules and Operations of the Senate
6/17/2025SenateWithdrawn From Com
6/17/2025Senate
Bill Text
Edition 1
Edition 2
Edition 3
Edition 4
Edition 5
Edition 6
Filed
Latest Edition
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