House committee substitute makes the following changes to 1st edition. Deletes several provisions of the previous edition. Amends GS 53-166(a), stating that no person can engage in the business of lending in amounts $15,000 or less (was, $10,000) as specified. Amends GS 53-173(a) to increase the outstanding principal balance at which the maximum interest rate of 36% per annum applies from $600 to $1500. Creates new subsection (g) to GS 53-173 to provide the limitations on loans to individual borrowers. Deletes other amendments made to GS 53-173 in previous edition. Amends 53-176 by (1) raising cap on installment loans to $15,000 (was $10,000), (2) increasing the maximum time frame after which an installment loan may not be repayable up to 96 months (previously 84), (3) limiting monthly interest on installment loans to 30% per annum for balances below $5,000, 24% per annum for balances between $5,000 and $10,000, and 18% per annum on remaining balance, (4) deleting in its entirety subsection (d), concerning the right to make loans under the statute by filing written notice, and (5) deleting in its entirety subsection (f), concerning prohibitions on making loans under the statute. Amends GS 53-177 to provide that a licensee may charge a late payment charge for a payment that remains past due for 10 days or more after the due date, with specified limitations. Makes a conforming change to GS 53-179. Retains amendment to GS 53-172 (a).