Promoting strength and fairness in
the financial services marketplace

  • Banks
  • Mortgage
  • Consumer Finance
  • Check Cashers
  • Money Transmitters
  • Refund Anticipation Loan Facilitators

Financial Institutions Overview

The N.C. Office of the Commissioner of Banks (NCCOB) is responsible for the chartering and regulation of North Carolina's state banks, trust companies, mortgage companies, as well as registration and licensing of various financial institutions operating in North Carolina.


In anticipation of the projected path of Hurricane Florence and the potential adverse impact across the states of North Carolina, South Carolina, and Virginia, please exercise prudence in suspending operations for the safety of your staff and customers. The Governors of both Carolinas and Virginia have already declared a State of Emergency for their respective states. Because this storm is projected to impact the Carolinas and Virginia later this week and over the upcoming weekend, please plan to follow the procedures outlined in subsection (c) of NCGS 53C-6-19, highlighted below. While the procedures detailed below specifically apply to your branches in this State (North Carolina), we apply these procedures to all of your branches regardless of where they are located.

ยง 53C-6-19. Operations; suspension.

  1. A bank, any of its branches, and any of its non-branch bank business offices may operate on such days and during such hours, and may observe such holidays, as the bank's board of directors shall designate.
  2. Whenever the Commissioner determines that an emergency exists or is pending in this State or any part thereof, the Commissioner may authorize banks operating in the affected area or areas to suspend any or all of their operations in such area or areas for such period or periods as the Commissioner establishes. An emergency is any condition or occurrence that may interfere with a bank's operations or poses an existing or imminent threat to the safety or security of persons or property, or both.
  3. In the event that an emergency exists or is pending in this State or any part thereof and a bank operating in the affected area or areas is unable to communicate the existence or pendency of the emergency to the OCOB, an officer of the bank may suspend any or all of the bank's operations in the affected area or areas without the prior approval of the Commissioner. The bank shall give notice of such closing to the Commissioner as soon as practicable.

  If you have any questions, please contact our office at 919-733-3016.