A new bill filed by State Rep. Blair Eddins in the North Carolina House seeks to strengthen financial safeguards for disabled and older adults in the state, according to the North Carolina State House.
The bill, filed as HB 956 on April 10 during the 2025 regular session, was formally listed with the short title: ‘Enhance Financial Protections/Older Adults.’
The following is our breakdown, based on the actual bill text, and may include interpretation to clarify its provisions.
In essence, the bill aims to enhance financial protections for disabled and older adults in North Carolina by amending Chapter 108A of the General Statutes to include new provisions. It requires covered entities, such as financial institutions and entities facilitating electronic fund transfers, to report materially harmful financial behavior or a lack of communication from a disabled or older adult to relevant persons and departments. During this period, no late fees, penalties, or interest can be charged. If the adult has a cognitive impairment diagnosis, starts receiving cognitive care, or resides in an adult care home, no interest can be charged on loans extended during such periods. The effective date for these changes is Oct. 1, 2025, impacting fees, penalties, and interest charged after this date.
Of the four sponsors of this bill, Grant L. Campbell, MD proposed the most bills (60) during the 2025 regular session.
Bills in North Carolina follow a multi-step process before becoming law. A lawmaker starts by filing a bill, which is assigned to a committee for review. The bill must be read three times in each chamber. If one chamber changes the bill after the other passes it, both must agree on the final version. Once both chambers approve the same bill, it goes to the governor, who has 10 days (or 30 if the legislature is not in session) to sign, veto, or let it become law without a signature.
You can read more about the bills and other measures here.
Eddins graduated from North Carolina State University in 1995.
Eddins, a Republican, was elected to the North Carolina State House in 2024 to represent the state’s 94th House district, replacing previous state representative Jeffrey Elmore.
| Authors | Bill Number | Date Filed | Title |
|---|---|---|---|
| Blair Eddins, David Willis, Diane Wheatley, and Grant L. Campbell, MD | HB 956 | 04/10/2025 | Enhance Financial Protections/Older Adults. |
| Blair Eddins, Chris Humphrey, Cody Huneycutt, and Jarrod Lowery | HB 925 | 04/10/2025 | Consumers in Crisis Protection Act. |
| Blair Eddins, Brian Biggs, Neal Jackson, and Paul Scott | HB 939 | 04/10/2025 | School Chaplains. |
| Blair Eddins, Brian Biggs, Jennifer Balkcom, and Steve Tyson | HB 782 | 04/03/2025 | Civic Club Registration Plate Clarification. |
| Blair Eddins, Heather H. Rhyne, Jennifer Balkcom, and Sarah Stevens | HB 791 | 04/03/2025 | Women’s Safety and Protection Act. |
| Blair Eddins, Cody Huneycutt, Dean Arp, and Jeffrey C. McNeely | HB 751 | 04/02/2025 | Uniform Energy Rates for Seasonal Service. |
| Blair Eddins, Jennifer Balkcom, Karl E. Gillespie, and Neal Jackson | HB 647 | 04/01/2025 | Ag. PUV Conservation. |
| Blair Eddins, Carson Smith, Jay Adams, and Keith Kidwell | HB 674 | 04/01/2025 | The Firearms Liberty Act. |
| Blair Eddins | HB 273 | 03/04/2025 | Create/Fund Brushy Mtns. State Natural Area. |
| Blair Eddins, Brenden H. Jones, Jarrod Lowery, and Neal Jackson | HB 171 | 02/21/2025 | Equality in State Agencies/Prohibition on DEI. |
| Blair Eddins | HB 155 | 02/18/2025 | SchCalFlex/Wilkes,Alexander/Open Cal. |
| Blair Eddins, Howard Penny, Jr., Jimmy Dixon, and Neal Jackson | HB 130 | 02/13/2025 | Agriculture Crops Disaster Relief. |
| Blair Eddins, Grant L. Campbell, MD, Keith Kidwell, and Wyatt Gable | HB 98 | 02/11/2025 | Patriotism Expression Act. |
| Blair Eddins, Ben T. Moss, Jr., Keith Kidwell, and Wyatt Gable | HB 72 | 02/10/2025 | AG/Restrict Challenge to Presidential EOs. |
| Blair Eddins, Brian Biggs, Mike Schietzelt, and Neal Jackson | HB 87 | 02/10/2025 | Cell Phone-Free Education. |
