North Dakota Code § 21-13-02

Political subdivision authority to enter agreement for bank or credit union
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loans.
A political subdivision may borrow against its anticipated revenue, from a bank or credit 
union located in this state. A bank or credit union loan and terms must be authorized by 
resolution of the governing body for the political subdivision. The resolution must identify the 
revenue to be used to repay the loan and any collateral that will secure repayment of the loan. 
The loan agreement must be signed on behalf of the political subdivision by the president, 
chairman, or equivalent officer, and also by the political subdivision's auditor, business manager, 
secretary, or equivalent officer.

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