Changes regarding abstract of statement of financial condition by savings banks and savings and loan associations.  Eliminates requirement of state savings banks and savings and loan associations from having to publish in a newspaper an abstract of their annual statement of business standing and financial condition, previously found in GS 54C-63 and GS 54B-75, respectively, and moves the requirement of the Commissioner of Banks to conduct a thorough examination of those annual statements from GS 54C-63 to GS 54C-62 for savings banks and from GS 54B-76 to GS 54B-75 for savings and loan associations. These changes are effective upon becoming law.

Raffles.  Amends GS 14-309.15 (criminal code: raffles), subsection (h), by making lawful the ability of all federally insured depository institutions, previously limited to credit unions, to conduct a savings promotion raffle, and adds references to newly enacted GS 53C-6-20, GS 54B-140, and GS 54C-180 allowing raffles for the different types of savings institutions.  Makes minor, non-substantive changes to other subsections in GS 14-309.15.

Amends GS Chapter 53C (regulation of banks) by adding new GS 53C-6-20 to allow a savings promotion raffle that requires a minimum deposit of money in a savings account or savings program to qualify for a chance at winning a prize.  Requires the savings institution to maintain records to aid an audit, conduct the raffle in a safe and sound manner, and disclose the terms and conditions of the promotion to the account holders or prospective account holders.  

Amends GS Chapter 54B (savings and loan associations) by adding new GS 54B-140 to allow a savings promotion raffle with the same parameters and requirements as provided in GS 53C-6-20.

Amends GS Chapter 54C (savings banks) by adding new GS 54C-180 to allow a savings promotion raffle with the same parameters and requirements as provided in GS 53C-6-20.

Changes regarding raffles become effective December 1, 2019, and apply to raffles conducted on or after that date.

Increasing number of North Carolina Banking Commission members. Amends GS 53C-2-1(a) to increase from 15 to 16 the number of members of the Banking Commission, by increasing from 12 to 13 the number of members appointed by the Governor.  Adds requirement that one member appointed by the Governor must be licensed or registered, or employed by someone licensed or registered, under Article 19B of GS Chapter 53 (The Secure and Fair Enforcement Mortgage Licensing Act).  Effective upon becoming law; the initial term of the new member begins October 1, 2019.

Default effective date.  Except as otherwise provided, effective upon becoming law.