Legislation signed into state law recently imposes new requirements on North Carolina mortgage lenders and brokers. The new statute represents the "second phase" of comprehensive regulation of residential mortgage lending in North Carolina, the first being the state’s 1999 anti-predatory lending law. One striking feature of the new statute is that certain parts apply to all mortgage lenders doing business in North Carolina, according to Don Lampe, a partner with the Greensboro law firm of