North Dakota has opted out of the federal exemptions for
residents. “[R]esidents of this state are not entitled to the
federal exemptions provided in section 522(d) of the
Bankruptcy Reform Act of 1978.” N.D. Cent Code § 28-22-17.
Therefore, debtors who are not residents of North Dakota are
eligible for the federal exemptions and are likely to choose
them because not all the state exemptions are available to
them. Support.