"any remaining unfinished area can remain lit with the 15 amp overhead lighting circuit, but if you have receptacles in unfinished areas they must be GFCI protected, and more current codes require that they be on an independant 20 amp receptacle circuit. You cannot have an overhead lighting circuit combined EVER with a 20 amp circuit unless its the exception for a dedicated and single luminaire fixture for a bathroom (which is required a 20 amp GFCI protected circuit). Residental lighting circuits are otherwise restricted to 15 amp circuits. Laundry areas and any sink areas (or other water hazards like sump pump pits and the like)have special requirements finished and unfinished as well"
The is no general requirment in the NEC that prohibts lighting to be installed on 20 amp circuits. Some 20 amp receptacle circuits (one for multiple bathrooms and the kitcen small appliance circuits) can't also be used to lighting. But that is a limitation those specific types of circuit not on all 20 amp circuits.
However a few localities have adopted such limitations, but it is not in the NEC.
"And most important is the rating of your circuit overcurrent protection devices and Box in comparison to the rating of your wire. Most older structures have 70 or 75 degree C rated and when you use 90 degree C rated wire you MUST take that derating into consideration."
No practical affect since they limited to less than there 60 ampacity anyway.
The only limitation is that some lighting fixtures require 90 degree wiring. But this is NEW so all of the wiring would be 90 anyway.
"A basement can easily contain a circuit that is more than 75 feet in total length. Ambient earth temperatures in Southern States and desert areas can easily be factors in basements. Not knowing where in the world your basement is, can't say whether or not that must be factored in derating."
Where would you find a basement that has an ambient temp over 122?
" BEDROOMS are limited to 15 amp circuits. "
WRONG! There is no general NEC limiting bedroom circuits to 20 amps.
"That BEDROOM will require a separate circuit and will need to be ARC FAULT protected most likely (assuming your AHJ has adopted a code version within the last 10 years)"
There is no requirments for bedrooms to be on separate circuits. There is no prohibition agaisnt powering other parts of the house from a "bedroom" circuit with or without an AFCI.
And "last 10 years" has nothing to do with it. AFCI's did not show up until the 99 NEC and even then did not require them until 2001.
One thing that has not been mentioned is smokes. With remodeling many places require updgrading smoke dectors and more so with a bedroom.
Sometime they will be required hardwired an sometime also tied with hardwired ones in other areas of the house "if practical". That whole area if very subject to local interpretations.
Likewise if you have a hardwired smoke in the bedroom then it is an "outlet" and the 2002 NEC requires that (and lights) to also be AFCI protected. But again many locals have opted out of this.
So if your area requires inspection I would check these out first.
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