North Carolina 2025 Session Status: Passed Senate Bipartisan · 3 D · 2 R cosponsors

SB 675 — Charitable Orgs. Privacy Protection Act.

Last action — Regular Message Sent To Senate

  1. ✓
    Introduced
  2. ✓
    In Committee
  3. 3
    Passed Senate
  4. 4
    Passed House
  5. 5
    To Executive
  6. 6
    Enacted

This bill has passed the Senate. Introduced March 25, 2025. It now moves to the second chamber.

Next likely step: consideration and a floor vote in the House.

Odds of enactment

Moderate chance

Based on the sponsor, cosponsors, and committee posture, this bill has a moderate chance of becoming law.

Upgrade to see the exact probability and what's driving it.

A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Likely to advance 72% · high confidence

  • Passed Senate

    Current position in the legislative process.

  • 5 sponsors

    2 primary, 3 co-sponsors signed on.

  • Bipartisan support

    Sponsored across 2 parties (3 D · 2 R) — cross-party backing.

  • Cleared a recorded vote

    Passed 2 recorded votes so far.

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

In plain language

The bill addresses privacy protections for charitable organizations.

This bill establishes privacy protections for charitable organizations, aiming to ensure that their donor and operational information is kept confidential. It seeks to prevent unauthorized access to sensitive data related to these organizations.

Bill Text

What changed in the latest version

5 added · 6 removed

Plain-language change summary

The updated version of Bill SB 675 includes several adjustments to the language regarding fees and discounts that lenders can charge borrowers. Specifically, it clarifies that lenders cannot impose excessive fees unless they pertain to loans secured by a second or junior lien on real property. This change is significant because it aims to protect borrowers from being overcharged, ensuring more transparency and fairness in the lending process.

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GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2025 S 2 SENATE BILL 675 Commerce and Insurance Committee Substitute Adopted 4/8/25 Short Title:
GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2025 S 1 SENATE BILL 675 Short Title:
Senators Craven, Overcash, and Blue (Primary Sponsors).
March 26, 2025 A BILL TO BE ENTITLED AN ACT TO MODIFY THE MAXIMUM PERMISSIBLE FEES OR DISCOUNTS THAT CERTAIN LENDERS MAY CHARGE ON SECOND OR JUNIOR LIEN REAL ESTATE LOANS TO ALIGN MORE CLOSELY WITH FEDERAL QUALIFIED MORTGAGE STANDARDS.
Rules and Operations of the Senate March 26, 2025 A BILL TO BE ENTITLED AN ACT TO MODIFY THE MAXIMUM PERMISSIBLE FEES OR DISCOUNTS THAT CERTAIN LENDERS MAY CHARGE ON SECOND OR JUNIOR LIEN REAL ESTATE LOANS TO ALIGN MORE CLOSELY WITH FEDERAL QUALIFIED MORTGAGE STANDARDS.
§ 1026.43(e)(3), or (ii) three percent (3%) of the total loan amount as defined in G.S.
§ 1026.43(e)(3), or (ii) three percent (3%) of the total loan amount.
24-1.1E(a)(7).
*S675-v-2*
*S675-v-1*
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Action History

  1. Regular Message Sent To Senate

  2. Regular Message Received For Concurrence in H Com Sub

  3. Ref To Com On Rules and Operations of the Senate

  4. Passed 2nd Reading

  5. Passed 3rd Reading

  6. Reptd Fav Com Sub 2

  7. Cal Pursuant Rule 36(b)

  8. Placed On Cal For 06/30/2026

  9. Withdrawn From Cal

  10. Re-ref Com On Rules, Calendar, and Operations of the House

  11. Reptd Fav

  12. Cal Pursuant Rule 36(b)

  13. Added to Calendar

  14. Passed 2nd Reading

  15. Withdrawn From Cal

  16. Placed On Cal For 06/23/2026

  17. Reptd Fav Com Substitute

  18. Re-ref Com On Rules, Calendar, and Operations of the House

  19. Withdrawn From Com

  20. Re-ref to the Com on Judiciary 2, if favorable, Rules, Calendar, and Operations of the House

  21. Passed 1st Reading

  22. Ref To Com On Rules, Calendar, and Operations of the House

  23. Regular Message Sent To House

  24. Regular Message Received From Senate

  25. Passed 2nd Reading

  26. Passed 3rd Reading

  27. Reptd Fav

  28. Reptd Fav Com Substitute

  29. Com Substitute Adopted

  30. Re-ref Com On Rules and Operations of the Senate

  31. Withdrawn From Com

  32. Re-ref to Commerce and Insurance. If fav, re-ref to Rules and Operations of the Senate

  33. Passed 1st Reading

  34. Ref To Com On Rules and Operations of the Senate

  35. Filed

Sponsors

Sponsorship breakdown

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2 sponsors · 3 co-sponsors · 174 not signed on

Sponsors (2)

Co-sponsors (3)

Not signed on (174)

174 members have not signed on to this bill.

Show all 174 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Votes

Second Reading

Passed 113 Yea · 0 Nay · 7 Other
Party YeaNayPresentNot Voting
Democratic 42002
Unaffiliated 6001
Republican 63004
Total 111007
% of votes cast 94%0%0%6%
How each member voted (118)
Member Party Vote
CharlesSmith — Yea
vonHaefen — Yea
Campbell — Yea
Reeder — Yea
JohnLowery — Not Voting
C. Smith — Yea
F. Jackson — Yea
Abe Jones Democratic Yea
Aisha O. Dew Democratic Yea
Allen Buansi Democratic Yea
Allison A. Dahle Democratic Yea
Amanda P. Cook Democratic Yea
Amber M. Baker Democratic Yea
Amos L. Quick, III Democratic Yea
B. Ray Jeffers Democratic Yea
Becky Carney Democratic Yea
Beth Helfrich Democratic Yea
Brandon Lofton Democratic Yea
Brian Turner Democratic Yea
Bryan Cohn Democratic Yea
Carolyn G. Logan Democratic Yea
Cynthia Ball Democratic Yea
Dante Pittman Democratic Yea
Deb Butler Democratic Yea
Eric Ager Democratic Yea
Garland E. Pierce Democratic Yea
Gloristine Brown Democratic Yea
James Roberson Democratic Yea
Jordan Lopez Democratic Yea
Julia Greenfield Democratic Yea
Kanika Brown Democratic Yea
Laura Budd Democratic Yea
Lindsey Prather Democratic Yea
Marcia Morey Democratic Yea
Maria Cervania Democratic Yea
Mary Belk Democratic Yea
Mike Colvin Democratic Yea
Monika Johnson-Hostler Democratic Yea
Phil Rubin Democratic Yea
Pricey Harrison Democratic Yea
Renée A. Price Democratic Yea
Robert T. Reives, II Democratic Yea
Rodney D. Pierce Democratic Yea
Sarah Crawford Democratic Yea
Shelly Willingham Democratic Yea
Terry M. Brown Jr. Democratic Yea
Tim Longest Democratic Yea
Tracy Clark Democratic Yea
Vernetta Alston Democratic Not Voting
Ya Liu Democratic Not Voting
Zack Hawkins Democratic Yea
A. Reece Pyrtle, Jr. Republican Yea
Allen Chesser Republican Yea
Anna Ferguson Republican Yea
Ben T. Moss, Jr. Republican Yea
Bill Ward Republican Yea
Blair Eddins Republican Yea
Brenden H. Jones Republican Yea
Brian Biggs Republican Yea
Brian Echevarria Republican Yea
Celeste C. Cairns Republican Yea
Charles W. Miller Republican Yea
Chris Humphrey Republican Yea
Cody Huneycutt Republican Yea
Dan Kiger Republican Yea
David Willis Republican Not Voting
Dean Arp Republican Yea
Dennis Riddell Republican Yea
Destin Hall Republican Yea
Diane Wheatley Republican Yea
Donna McDowell White Republican Yea
Donnie Loftis Republican Yea
Donny Lambeth Republican Not Voting
Dudley Greene Republican Yea
Edward C. Goodwin Republican Yea
Erin Paré Republican Yea
Frank Iler Republican Yea
Harry Warren Republican Not Voting
Heather H. Rhyne Republican Yea
Howard Penny, Jr. Republican Yea
Hugh Blackwell Republican Yea
Jay Adams Republican Yea
Jeff Zenger Republican Yea
Jeffrey C. McNeely Republican Yea
Jennifer Balkcom Republican Yea
Jerry "Alan" Branson Republican Yea
Jimmy Dixon Republican Yea
John A. Torbett Republican Yea
John M. Blust Republican Yea
John R. Bell, IV Republican Yea
John Sauls Republican Not Voting
Jonathan L. Almond Republican Yea
Joseph Pike Republican Yea
Julia C. Howard Republican Yea
Karl E. Gillespie Republican Yea
Keith Kidwell Republican Yea
Kelly E. Hastings Republican Yea
Kyle Hall Republican Yea
Larry C. Strickland Republican Yea
Larry W. Potts Republican Yea
Mark Brody Republican Yea
Mark Pless Republican Yea
Matthew Winslow Republican Yea
Mike Schietzelt Republican Yea
Mitchell S. Setzer Republican Yea
Neal Jackson Republican Yea
Paul Scott Republican Yea
Phil Shepard Republican Yea
Ray Pickett Republican Yea
Sam Watford Republican Yea
Stephen M. Ross Republican Yea
Steve Tyson Republican Yea
Ted Davis, Jr. Republican Yea
Todd Carver Republican Yea
Todd Johnson Republican Yea
Tricia Ann Cotham Republican Yea
William D. Brisson Republican Yea
Wyatt Gable Republican Yea

Official roll call →

Second Reading

Passed 115 Yea · 0 Nay · 5 Other
Party YeaNayPresentNot Voting
Democratic 33001
Unaffiliated 25001
U 2000
Republican 55003
Total 115005
% of votes cast 96%0%0%4%
How each member voted (120)
Member Party Vote
Autry — Yea
Clemmons — Yea
Gill — Yea
Harris — Yea
Lucas — Yea
Rudow — Yea
CharlesSmith — Yea
Staton-Williams — Yea
vonHaefen — Yea
Wray — Yea
Bradford — Yea
Cleveland — Yea
Crutchfield — Yea
Elmore — Yea
Faircloth — Yea
Lowery — Yea
Mills — Yea
Moore — Yea
Reeder — Yea
Saine — Yea
Sasser — Yea
CarsonSmith — Yea
Sossamon — Yea
Fontenot — Not Voting
F. Jackson — Yea
K. Baker — Yea
Abe Jones Democratic Yea
Allen Buansi Democratic Yea
Allison A. Dahle Democratic Yea
Amber M. Baker Democratic Yea
Amos L. Quick, III Democratic Yea
B. Ray Jeffers Democratic Yea
Becky Carney Democratic Yea
Brandon Lofton Democratic Yea
Carolyn G. Logan Democratic Not Voting
Cecil Brockman Democratic Yea
Cynthia Ball Democratic Yea
Deb Butler Democratic Yea
Eric Ager Democratic Yea
Garland E. Pierce Democratic Yea
Gloristine Brown Democratic Yea
James Roberson Democratic Yea
Joe John Democratic Yea
Kanika Brown Democratic Yea
Laura Budd Democratic Yea
Lindsey Prather Democratic Yea
Marcia Morey Democratic Yea
Maria Cervania Democratic Yea
Mary Belk Democratic Yea
Pricey Harrison Democratic Yea
Renée A. Price Democratic Yea
Robert T. Reives, II Democratic Yea
Sarah Crawford Democratic Yea
Shelly Willingham Democratic Yea
Terence Everitt Democratic Yea
Terry M. Brown Jr. Democratic Yea
Tim Longest Democratic Yea
Vernetta Alston Democratic Yea
Ya Liu Democratic Yea
Zack Hawkins Democratic Yea
A. Reece Pyrtle, Jr. Republican Yea
Allen Chesser Republican Yea
Ben T. Moss, Jr. Republican Yea
Bill Ward Republican Yea
Brenden H. Jones Republican Yea
Brian Biggs Republican Yea
Celeste C. Cairns Republican Yea
Charles W. Miller Republican Yea
Chris Humphrey Republican Yea
David Willis Republican Yea
Dean Arp Republican Yea
Dennis Riddell Republican Yea
Destin Hall Republican Not Voting
Diane Wheatley Republican Yea
Donna McDowell White Republican Yea
Donnie Loftis Republican Yea
Donny Lambeth Republican Yea
Dudley Greene Republican Yea
Edward C. Goodwin Republican Yea
Erin Paré Republican Yea
Frank Iler Republican Yea
Harry Warren Republican Yea
Howard Penny, Jr. Republican Yea
Hugh Blackwell Republican Yea
Jake Johnson Republican Yea
Jay Adams Republican Yea
Jeff Zenger Republican Yea
Jeffrey C. McNeely Republican Yea
Jennifer Balkcom Republican Yea
Jerry "Alan" Branson Republican Yea
Jimmy Dixon Republican Yea
John A. Torbett Republican Yea
John R. Bell, IV Republican Yea
John Sauls Republican Yea
Joseph Pike Republican Yea
Julia C. Howard Republican Not Voting
Karl E. Gillespie Republican Yea
Keith Kidwell Republican Yea
Kelly E. Hastings Republican Yea
Kyle Hall Republican Yea
Larry C. Strickland Republican Yea
Larry W. Potts Republican Yea
Mark Brody Republican Yea
Mark Pless Republican Yea
Matthew Winslow Republican Yea
Mike Clampitt Republican Yea
Mitchell S. Setzer Republican Yea
Neal Jackson Republican Yea
Phil Shepard Republican Yea
Ray Pickett Republican Yea
Sam Watford Republican Yea
Sarah Stevens Republican Yea
Stephen M. Ross Republican Yea
Steve Tyson Republican Yea
Ted Davis, Jr. Republican Yea
Tricia Ann Cotham Republican Yea
W. Ted Alexander Republican Not Voting
William D. Brisson Republican Yea
Carla D. Cunningham U Yea
Nasif Majeed U Yea

Official roll call →

Subjects

finance civil-rights
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors SB 675?
SB 675 is sponsored by Joyce Waddell (Democratic), Val Applewhite (Democratic), Dan Blue (Democratic), Brad Overcash (Republican), and David W. Craven, Jr. (Republican).
What is the current status of SB 675?
This bill has passed the Senate. Introduced March 25, 2025. It now moves to the second chamber.
Where can I track SB 675?
Track SB 675 free on One Click Politics — get push/email alerts when it moves.

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