ND SB2359

Creates exemption from judicial process for assets in qualified education and medical savings accounts, including section 529 college savings plans, Coverdell education savings accounts, health savings accounts (HSA), and medical savings accounts (MSA).

Increases homestead exemption value from $100,000 to $1 million for residential property, applying to all homestead-related provisions including execution, forced sale, and proceeds protection.

Increases retirement account exemption limits from $500,000 per account and $200,000 aggregate to $1 million per account and $1 million aggregate, while maintaining the exception for spousal and child support enforcement.

Modifies life insurance exemption language in section 28-22-03.1 to clarify that cash surrender value of life insurance policies and annuity contracts owned by the debtor or debtor's spouse are exempt.

Increases personal bodily injury damage exemption from $18,450 to $18,450 (unchanged in actual amount but adjusted in context of other amendments).