The State of North Carolina generally adopts the Federal Fair Credit Reporting Act under 15 U.S.C. §§ 1681-1681(u).
 
North Carolina Retail Installment Sales Act, Chapter 25A of the North Carolina General Statutes, which you may download  in Microsoft Word 7  (each recognized as trademarks and or registered trademarks in the U.S. and other countries of Microsoft Corporation,) and Adobe® Acrobat® PDF format here, covers consumer credit sales, i.e. sales of goods or services in which
(1) seller is one who in ordinary course of business regularly extends, arranges for extension of, or offers to extend consumer credit;
(2) buyer is natural person;
(3) goods or services are purchased primarily for personal, family, household, or agricultural purpose;
(4) either debt is payable in more than four installments or finance charge is imposed; and
(5) amount financed does not exceed $25,000. 

Pursuant to Section (25A-2(b)) "Sale" also includes contract in form of terminable bailment or lease of goods or services specified in contract in certain circumstances.

Except for these certain leases and bailments in Section  25A-2(b) and   referral sales, (see below) this Chapter does not apply to any party or transaction that is not also subject to the provisions of the Consumer Credit Protection Act (Federal Truth-in-Lending Act)

§ 25A-37. Referral sales.

The advertisement for sale or the actual sale of any goods or services (whether or not a consumer credit sale) at a price or with a rebate or payment or other consideration to the purchaser that is contingent upon the procurement of prospective customers provided by the purchaser, or the procurement of sales to persons suggested by the purchaser, is declared to be unlawful. Any obligation of a buyer arising under such a sale shall be void and a nullity and a buyer shall be entitled to recover from the seller any consideration paid to the seller upon tender to the seller of any tangible consumer goods made the basis of the sale.(1971, c. 796, s. 1.)

See also 25B-1. Equal availability of credit for women.