Enacts new GS 53-173.3 as follows. Prohibits a licensee from making a loan under the North Carolina Consumer Finance Act without first getting documentation from the borrower showing that the borrower is reasonably likely to be able to repay the loan according to the loan terms without needing to defer a payment or enter into a new agreement. Provides that if a borrower enters into a new loan agreement with a licensee while there remains any unpaid principal balance of a prior loan, no charges other than 8% interest per annum can be computed or collected from any party to the loan upon the unpaid principal balance of the new loan. Effective October 1, 2015.