Amends GS 24-11 to reduce the aggregate cap from 1.5% to 1.17% for interest, finance charges, or other fees charged and collected for any unpaid monthly balance for credit extended under an open-credit or similar plan described, including credit card plans and revolving accounts and excluding any loan made directly by a lender under a check loan, check credit, or similar plan. Makes technical and clarifying changes. Makes language gender neutral. Applies to interest, finance charges, and fees charged on or after October 1, 2025.