North Carolina § 45-106 - Use and privacy of records.
Full text of North Carolina North Carolina General Statutes § 45-106 — Use and privacy of records., with citation guidance and answers to common questions.
§ 45-106. Use and privacy of records.
The data provided to the Administrative Office of the Courts pursuant to G.S. 45-103 shall be exclusively for the use and purposes of the State Home Foreclosure Prevention Project developed by the Commissioner of Banks and administered by the Housing Finance Agency in accordance with G.S. 45-104. The information provided to the database is not a public record, except that a mortgage lender and a mortgage servicer shall have access to the information submitted only with regard to its own loans. Provision of information to the Administrative Office of the Courts for use by the State Home Foreclosure Prevention Project shall not be considered a violation of G.S. 53B-8. A mortgage servicer shall be held harmless for any alleged breach of privacy rights of the borrower with respect to the information the mortgage servicer provides in accordance with this Article. History (2008-226, s. 1; 2010-168, ss. 1, 9; 2011-288, s. 5; 2012-79, s. 2.17(e), (g).) Editor's Note. - Session Laws 2008-226, s. 6, as amended by Session Laws 2010-168, s. 9, and Session Laws 2012-79, s. 2.17(g), made this section effective November 1, 2008. Session Laws 2012-79, s. 2.17(g), deleted the sunset provision and thus this Article will not expire May 31, 2013. Session Laws 2012-79, s. 2.17(h) provides: "This section becomes effective December 1, 2012. The North Carolina Housing Finance Agency shall assume the responsibilities designated in this section for operation of the State Home Foreclosure Prevention Project no later than December 31, 2012." Effect of Amendments. - Session Laws 2010-168, s. 1, effective November 1, 2010, added the third sentence. Session Laws 2011-288, s. 5, effective July 1, 2011, inserted "and administered by the Housing Finance Agency" in the first sentence. Session Laws 2012-79, s. 2.17(e), effective December 1, 2012, deleted the former third sentence, which read: "Any notice provided by the Commissioner to the Administrator of the Credit Union Division under G.S. 45-105 is not a public record."
Source: official North Carolina text · Last verified 2026-08-27
Frequently Asked Questions About North Carolina § 45-106
What does North Carolina General Statutes § 45-106 cover?
Section 45-106 ("Use and privacy of records.") is part of the North Carolina General Statutes, the codified statutory law of North Carolina. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite North Carolina § 45-106?
A common citation format is "North Carolina General Statutes § 45-106" (North Carolina). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of North Carolina law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the North Carolina official source linked on this page or consult a licensed North Carolina attorney.
How does North Carolina § 45-106 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in North Carolina can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in North Carolina.