State Laws /
Georgia /
Title 7 - Banking and Finance
Title 7 - Banking and Finance
295 sections · Georgia
- § 7-1-680 — (for Effective Date, See Note) Definitions
- § 7-1-681 — Licensing Requirements; Engagement in Sale of Payment Instruments or Money Transmission Defined; Lia
- § 7-1-682 — Exemption From Licensing Requirements
- § 7-1-683.1 — Locations for Conduct of Business; Contracting With Authorized Agent; Requirements of Agent
- § 7-1-683.2 — Bonding
- § 7-1-683 — Requirements for Licensure; Fees; Rules and Regulations
- § 7-1-683.3 — Authority of Department
- § 7-1-684 — Investigation of Applicants for Licensure; Background Checks on Employees and Others
- § 7-1-684.1 — Reporting to Nation-Wide Multistate Licensing System and Registry
- § 7-1-684.2 — Use of Unique Identifier of Licensee
- § 7-1-685 — Expiration and Renewal of Licenses
- § 7-1-686 — Display of License; License Nontransferable and Nonassignable; Notification of Additional Locations
- § 7-1-687 — Notice of Action Against Licensee by Creditor or Claimant; Other Notification Requirements
- § 7-1-688 — Approval Required of New Ultimate Equitable Owner, Other Change of Control, or Executive Officer of
- § 7-1-690 — Enforcement
- § 7-1-689 — Record Keeping; Investigations and Examinations by Department; Subpoenas; Confidentiality; Limitatio
- § 7-1-691 — Prohibited Activities While Engaged in Sale of Checks or Money Transmission
- § 7-1-693 — Applicant or Licensee As Borrower in Default; Failure to Pay Child Support Prohibits Licensure
- § 7-1-692 — Suspension or Revocation of License; Failure to Issue License; Grounds; Administrative Review
- § 7-1-696 — Penalties for Violations
- § 7-1-695 — Liability for Payment
- § 7-1-694 — Cease and Desist Orders From Unauthorized Activities; Civil Penalties for Violations; Judicial Revie
- § 7-1-697 — No Limitation on Common Law Liability or State Prosecution
- § 7-1-698 — Continuing Effectiveness of Existing Licenses
- § 7-1-701.1 — Exemption From Licensing Requirements
- § 7-1-701 — Licensing for Cash Payment Instruments
- § 7-1-700 — Definitions
- § 7-1-702.1 — Operation of Mobile Payment Instrument Cashing Facility
- § 7-1-702 — Requirements for Licensure
- § 7-1-702.2 — Authority of Department
- § 7-1-703.1 — Reporting on Condition to Nation-Wide Multistate Licensing System and Registry
- § 7-1-703 — Investigation of Applicants; Background Checks of Employees
- § 7-1-703.2 — Use of Unique Identifier of Licensee
- § 7-1-704 — Renewal of Licenses
- § 7-1-704.1 — Posting of License; License is Nontransferable and Nonassignable; Notification of New Facilities
- § 7-1-705 — Written Notice of Claims Against Licensee, Judgments, or Other Misconduct by Employees, Directors, o
- § 7-1-705.1 — Approval Required for Change of Control or Ultimate Equitable Owner; Additional Requirements; Denial
- § 7-1-706.1 — Regulatory Interpretation and Enforcement
- § 7-1-706 — Record Keeping Obligations; Investigations and Examinations by the Department; Examination Fees; Adm
- § 7-1-707 — Required Endorsement by Licensee; Immediate Payments; Deferment of Payment; Identification Requireme
- § 7-1-707.1 — Posting of Fees for Cashing Payment Instruments
- § 7-1-708 — Grounds for Suspension or Revocation of License; Employment of Individuals Subject to Cease and Desi
- § 7-1-708.1 — Denial or Suspension of License for Student Borrowers in Default or for Failing to Comply With Child
- § 7-1-708.2 — Issuance of Cease and Desist Orders; Administrative and Judicial Enforcement; Penalty for Noncomplia
- § 7-1-709.1 — No Limitation on Common Law Liability or State Prosecution
- § 7-1-709 — Penalty for Violation of Article
- § 7-1-709.2 — Continuing Effectiveness of Existing Licenses
- § 7-1-710 — Definitions
- § 7-1-711 — Application of This Chapter
- § 7-1-712 — Application of Article 15 of Chapter 2 of Title 14
- § 7-1-713 — Requirements for Carrying on Banking Business
- § 7-1-714 — Actions Against International Banking Corporations
- § 7-1-715 — Application for License
- § 7-1-716 — Effect, Renewal, and Revocation of Licenses; Permissible Activities
- § 7-1-717 — Securities, and Other Evidence of Indebtedness to Be Held in This State
- § 7-1-718 — Financial Certifications; Restrictions on Investments, Loans, and Acceptances
- § 7-1-719 — Reports
- § 7-1-720 — Dissolution
- § 7-1-721 — International Representative Offices
- § 7-1-730 — Short Title
- § 7-1-732 — Eligibility to Operate Domestic International Banks; Registration Required; Records; Exemption From
- § 7-1-733 — Rejection or Revocation of Registration As a Domestic International Banking Facility
- § 7-1-734 — Examination and Supervision by the Department; Agreements With Other Bank Regulatory Authorities
- § 7-1-740 — Definitions
- § 7-1-742 — Action on Articles by Department; Preconditions to Doing Business
- § 7-1-743 — Approval or Disapproval of Department
- § 7-1-741 — Contents, Execution, and Presentation of Articles
- § 7-1-744 — Filing of Articles
- § 7-1-745 — Powers of Corporation
- § 7-1-746 — Right to Deal in Corporation's Stock or Obligations
- § 7-1-748 — Duration of Membership; Withdrawal
- § 7-1-747 — Applying for Membership; Loans by Members
- § 7-1-749 — Powers of Shareholders and Members; Voting
- § 7-1-750 — Amendment of Articles
- § 7-1-751 — Board of Directors; Officers and Agents
- § 7-1-752 — Earned Surplus; Fiscal Year
- § 7-1-753 — Deposit of Corporate Funds; Corporation Not to Accept Deposits
- § 7-1-754 — Supervision
- § 7-1-755 — First Meeting and Organization
- § 7-1-756 — Duration and Dissolution of Corporation
- § 7-1-757 — State Credit Not Pledged
- § 7-1-770 — Definitions
- § 7-1-758 — Tax Exemptions; State and Local Occupational License Taxes
- § 7-1-771 — Members of Building and Loan Association; Voting
- § 7-1-772 — Presentation, Contents, and Execution of Articles of Building and Loan Association
- § 7-1-773 — Approval or Disapproval of Articles of Building and Loan Association by Department
- § 7-1-774 — Approval of Articles of Building and Loan Association; Renewals or Amendments to Existing Charters
- § 7-1-775 — Filing and Processing Articles of Incorporation and Amendments for Building and Loan Association
- § 7-1-776 — Certificate of Incorporation or Amendment Issued by Secretary of State
- § 7-1-777 — Principal and Branch Offices
- § 7-1-778 — Rules and Regulations Governing Building and Loan Associations
- § 7-1-780 — Lien on Deposits to Secure Loans
- § 7-1-781 — Conversion Into Savings and Loan Association
- § 7-1-782 — Effect of Conversion Into Savings and Loan Association
- § 7-1-783 — Previous Conversions Into Savings and Loan Associations Ratified
- § 7-1-785 — Effect of Conversion Into Building and Loan Association
- § 7-1-784 — Conversion Into Building and Loan Association
- § 7-1-786 — Taxation
- § 7-1-787 — Exemption From Securities Regulations
- § 7-1-788 — Notaries and Other Officers Not Disqualified by Interest in Association; Validation of Prior Instrum
- § 7-1-789 — Minors' Deposits, Safe-Deposit Boxes, and Third-Party Payment Accounts; Validity of Releases
- § 7-1-790 — Deposits of Fiduciaries
- § 7-1-792 — Deposits Applied to Funeral Expenses
- § 7-1-791 — Payment on Death of Depositor
- § 7-1-793 — Investment of Funds in Insured Deposits
- § 7-1-795 — Savings Account Books and Certificates
- § 7-1-794 — Deposits As Security or in Lieu of Bond
- § 7-1-797 — Building and Loan Association Deposit Insurance Requirements; Public Notices When Deposits Not Prope
- § 7-1-796 — Insanity, Incompetency, Bankruptcy, or Death of Depositor
- § 7-1-811 — Applicability of Provisions As to Beneficial Ownership and Protection of Financial Institutions
- § 7-1-812 — Ownership During Lifetime
- § 7-1-810 — Definitions
- § 7-1-814 — Changing Terms of Account
- § 7-1-813 — Rights of Survivorship
- § 7-1-815 — Survivorship Transfers Nontestamentary
- § 7-1-817 — Financial Institution Protection -- Payment From Joint Account After Death or Disability
- § 7-1-816 — Financial Institution Protection -- Multiple-Party Accounts Authorized; Payment on Signature of One
- § 7-1-819 — Financial Institution Protection -- Payment of Trust Account
- § 7-1-818 — Financial Institution Protection -- Payment of P. O. D. Account
- § 7-1-820 — Financial Institution Protection -- Discharge Upon Proper Payment; Notice Not to Permit Withdrawals
- § 7-1-821 — Financial Institution Protection -- Right to Setoff
- § 7-1-840 — Institution of Criminal Prosecutions; Assistance to State and Federal Law Enforcement Agencies; Prov
- § 7-1-841 — Applicability of Title 16
- § 7-1-842 — Felonies of Directors, Officers, Agents, and Employees of Financial Institutions; Aiding and Abettin
- § 7-1-844 — Other Misdemeanors of Directors, Officers, Agents, and Employees of Financial Institutions
- § 7-1-843 — Certain Misdemeanors of Directors, Officers, Agents, and Employees of Financial Institutions
- § 7-1-845 — Miscellaneous Felonies; When Punished As Misdemeanors
- § 7-1-860 — Application of Chapter
- § 7-1-846 — Punishment for Misdemeanor Violations
- § 7-1-862 — Fees to Be Paid to Secretary of State
- § 7-1-861 — Completion of Pending Transactions; Continuation of Existing Charters, Appointments, Regulations, an
- § 7-1-910 — Purpose
- § 7-1-912 — Records and Reports of Certain Currency Transactions; Regulations; Commissioner's Authority Under Co
- § 7-1-911 — Definitions
- § 7-1-914 — Civil Penalties; Action for Recovery; Penalty
- § 7-1-913 — Access to Reports
- § 7-1-915 — Criminal Penalties; Penalties Imposed by Other Code §s Not Superseded
- § 7-1-916 — Forfeiture of Property Involved in Illegal Transactions
- § 7-1-940 — Definitions
- § 7-1-942 — Approval of Articles by Department
- § 7-1-941 — Creation of Corporations; Contents of Articles of Incorporation; Subscription and Acknowledgment
- § 7-1-943 — Standards for Approval of Articles by Department; Timing
- § 7-1-944 — Filing Departmental Approval With Secretary of State
- § 7-1-945 — Corporate Powers
- § 7-1-946 — Bond and Stock Holding Authority; Member Loans to Corporation Not Discriminatory
- § 7-1-947 — Application for Membership; Requirements for Loans to Corporation; Member Loan Limits
- § 7-1-948 — Duration of Membership; Withdrawal
- § 7-1-949 — Powers of Shareholders and Members
- § 7-1-950 — Amendment of Articles
- § 7-1-951 — Board of Directors; Officers and Agents
- § 7-1-952 — Setting Apart Net Earnings; Fiscal Year
- § 7-1-953 — Deposit of Corporate Funds
- § 7-1-954 — Departmental Power Over Corporations
- § 7-1-955 — First Meeting
- § 7-1-956 — Duration of Corporation; Dissolution
- § 7-1-957 — State Indebtedness Not to Be Created
- § 7-1-958 — Tax Exemptions, Credits, and Privileges; Occupational License Taxes
- § 7-1-1000 — Definitions
- § 7-1-1001.1 — Requirement for Mortgage Loan Originator License; Application to Sellers of Mobile Homes
- § 7-1-1001 — Exemption for Certain Persons and Entities; Registration Requirements
- § 7-1-1002 — Transaction of Business Without a License, Registration, or Exemption Prohibited; Knowing Purchase o
- § 7-1-1003 — Applications for Licenses
- § 7-1-1003.1 — Physical Place of Business
- § 7-1-1003.3 — Application for Registration
- § 7-1-1003.2 — Financial Requirements for Licensing and Registration; Bond Requirements
- § 7-1-1003.4 — Notification Statement
- § 7-1-1003.5 — Nationwide Mortgage Licensing System and Registry
- § 7-1-1003.6 — Privileged or Confidential Nature of Information; Exception
- § 7-1-1003.7 — Approval of Mortgage Industry Related Courses; Application; Renewal Applications; Audits
- § 7-1-1004.1 — Reports of Condition
- § 7-1-1004 — Investigation of Applicant and Its Officers; Audit; Education, Experience, and Other Requirements Re
- § 7-1-1004.2 — Licensees' Ability to Challenge Information
- § 7-1-1004.3 — Visibility Requirement for Unique Identifier of Individuals Originating Residential Mortgage Loan
- § 7-1-1006 — Contents of License; Posting of License; Transferring of License; Transacting Business Under Other N
- § 7-1-1005 — Renewal of Licenses and Registrations; Expiration
- § 7-1-1007 — Licensee to Give Notice of Certain Actions Brought Against It by a Creditor or Borrower; Notice to t
- § 7-1-1008 — Acquisition of 10 Percent or More of the Voting Shares or of the Ownership of Any Other Entity Licen
- § 7-1-1009 — Maintenance of Books, Accounts, and Records; Investigation and Examination of Licensees and Registra
- § 7-1-1010 — Annual Financial Statements
- § 7-1-1011 — Annual Fees
- § 7-1-1012 — Rules and Regulations
- § 7-1-1013 — Prohibition of Certain Acts
- § 7-1-1014 — Regulations Governing Disclosure Required to Applicants for Mortgage Loans
- § 7-1-1015 — Rules Relative to Escrow Accounts
- § 7-1-1016 — Regulations Relative to Advertising
- § 7-1-1017 — Suspension or Revocation of Licenses, Registrations, or Mortgage Broker Education Approval; Notice;
- § 7-1-1019 — Criminal Penalties
- § 7-1-1018 — Cease and Desist Orders; Enforcement Procedure; Civil Penalty; Fines
- § 7-1-1020 — Construction
- § 7-1-1021 — Regulations Governing Lock-In and Commitment Agreements
- § 7-2-1 — Incorporation Procedures
- § 7-2-3 — Adoption and Amendment of Bylaws
- § 7-2-2 — Amendments to Articles
- § 7-2-4 — Powers
- § 7-2-5 — Membership -- Acquisition and Termination
- § 7-2-6 — Membership -- Financial Institutions Which are Ineligible to Be Federally Insured or Which Were Char
- § 7-2-6.1 — Powers and Privileges of Members
- § 7-2-7 — Membership Fees; Refunds of Fees, Assessments, and Premiums; Distribution of Undivided Corporate Ear
- § 7-2-8 — Premiums and Special Assessments; Distribution of Assets on Liquidation
- § 7-2-9 — Insurance of Deposits and Shares
- § 7-2-10 — Conduct of Business by Incorporators and Directors
- § 7-2-11 — Exclusive Supervision by Department; Rules and Regulations
- § 7-2-12 — Copies of Members' Reports Sent to Corporation; Additional Examinations or Audits; Ordering Correcti
- § 7-2-13 — Administrative Review of Corporation or Department Decision; Exhaustion of Remedies
- § 7-2-14 — Tax Exemption
- § 7-3-1 — Short Title
- § 7-3-2 — Purpose of Chapter
- § 7-3-3 — Definitions
- § 7-3-4 — Applicability of Chapter -- Generally; Effect on Existing Lenders
- § 7-3-5 — Applicability of Chapter -- Transactions by Which Money is Paid Others
- § 7-3-6 — Exemptions From Chapter
- § 7-3-7 — Industrial Loan Commissioner; Powers and Duties Generally; Employees; Deputy; Training Programs for
- § 7-3-8 — License Required; Application; Fees
- § 7-3-10 — License Required for Each Location; Display; Duration; Annual Fee; Moving Office Within County
- § 7-3-9 — Investigation of Application; Issuance or Denial of License; Purchase of Licensed Location
- § 7-3-11 — Failure to Begin Business or Suspending Activities After License Issued
- § 7-3-12 — Books, Records, and Reports
- § 7-3-13 — False Advertising Prohibited
- § 7-3-15 — Limitation on Further Charges
- § 7-3-16 — Loans to Pay Contracts Acquired by Licensee Restricted
- § 7-3-14 — Maximum Loan Amount, Period, and Charges
- § 7-3-17 — Payment Before Maturity; Refund of Prepaid Interest; Continuing Insurance
- § 7-3-18 — Delivery of Copy of Contract or Itemized Statement; Receipts
- § 7-3-19 — Tax on Interest -- Levy; Penalty for Tax to Charges
- § 7-3-20 — Tax on Interest -- Payment; Inspection of Records; Rules and Regulations
- § 7-3-21 — Tax on Interest -- Penalties for Late or Fraudulent Tax Payments
- § 7-3-22 — Examinations, Investigations, and Hearings
- § 7-3-23 — Cease and Desist Orders; Enjoining Violations
- § 7-3-24 — Suspension or Revocation of License -- Grounds; Procedure; Effect of Loss of License on Contracts
- § 7-3-25 — Suspension or Revocation of License -- Unreasonable Collection Tactics
- § 7-3-26 — Probation and Civil Penalties for Violations
- § 7-3-27 — Judicial Review of Commissioner's Decisions
- § 7-3-28 — Code § 7-4-4 Not Repealed
- § 7-3-29 — Criminal Penalties; Void Loans; Civil Penalty to Borrower for Violation; Violation Not Subject of Cl
- § 7-4-2 — Legal Rate of Interest; Maximum Rate of Interest Generally; Certain Items Not Considered Interest
- § 7-4-3.1 — Maximum Interest Rate on Loans by Insured Financial Institutions
- § 7-4-3 — Finance Charge on Retail Installment Contracts for Manufactured Homes and Motor Vehicles Subject to
- § 7-4-5 — Failure to Include Federal Loan Act Provisions in Retail Installment Loan; Violating Advertising Res
- § 7-4-4 — Advertisement of Rates of Interest or Finance Charge
- § 7-4-6 — No Limit on Interest Rate Payable by Profit Corporations or Persons on Nonconsumer Loans in Excess o
- § 7-4-8 — Commission to Third Person Does Not Make Lawful Interest Usurious
- § 7-4-7 — No Limit on Interest Rate on Loans of ,000.00 or More
- § 7-4-9 — Back Interest May Be Stipulated in Contract and Recovered
- § 7-4-10 — Usury Forfeits Entire Interest; Right of Setoff; How Forfeiture Discharged; When Time Bars Action or
- § 7-4-11 — Usury is Personal Defense; No Collection From Insolvent to Prejudice of Others
- § 7-4-12 — Interest on Judgments
- § 7-4-12.1 — Interest on Arrearage on Child Support
- § 7-4-13 — Law of Place of Contract Governs Interest Unless Otherwise Provided
- § 7-4-14 — Interest Runs From Default Unless Otherwise Agreed; When Demand Necessary
- § 7-4-15 — When Interest Runs on Liquidated Demands; Promissory Notes Payable on Demand
- § 7-4-16 — When Interest Runs on Commercial Accounts; Maximum Interest Rate on Commercial Accounts
- § 7-4-17 — Payment Applied First to Interest; No Interest on Unpaid Interest; Exceptions
- § 7-4-17.1 — Refunds From Loans on Which Interest is Calculated Under the Add-On Interest Method and Which are Pa
- § 7-4-19 — Civil Action to Enforce Chapter
- § 7-4-18 — Criminal Penalty for Excessive Interest
- § 7-4-20 — Election to Forgo Application of Federal Usury Laws
- § 7-4-21 — Class Action Barred on Claims for Violation of Interest Laws on Loans Secured by Real Estate
- § 7-4-30 — Through 7-4-36
- § 7-5-1 — Short Title
- § 7-5-2 — Definitions
- § 7-5-3 — Organization of Credit Card Banks
- § 7-5-4 — Credit Card Charges and Fees
- § 7-5-5 — Regulation of Credit Card Banks; Enforcement; Rules and Regulations
- § 7-5-7 — Penalties for Violation of Chapter
- § 7-5-6 — Applicability of Banking Laws
- § 7-6-1 — Discrimination in Extending Credit or Making Loans Prohibited
- § 7-6-2 — Cause of Action for Individual Discriminated Against
- § 7-7-1 — Definitions
- § 7-7-2 — Prohibited Practices by Loan Brokers
- § 7-7-3 — Liability of Principals
- § 7-7-5 — Operation of Chapter Not Limitable by Contract or Agreement
- § 7-7-4 — Borrower's Remedies for Violation of Chapter
- § 7-7-6 — Penalties
- § 7-8-1 — Definitions
- § 7-8-2 — Procedures for Evaluating Safety of Remote Service Terminals
- § 7-8-3 — Date of Compliance; Provision of Adequate Lighting
- § 7-8-4 — Notices to Customers of Basic Safety Precautions
- § 7-8-5 — Terminals to Which Chapter Not Applicable
- § 7-8-6 — Rules and Regulations
- § 7-8-7 — Inapplicability to Persons or Entities that are Not a Financial Depository Institution or Operator
- § 7-9-1 — Short Title
- § 7-8-8 — Preemption
- § 7-9-2 — Definitions
- § 7-9-3 — Chartering of Merchant Acquirer Limited Purpose Banks; Regulation Limited
- § 7-9-4 — Application; Fees; Minimum Number of Employees
- § 7-9-6 — Information to Be Included on Charter Application
- § 7-9-5 — Articles of Incorporation; Filing; Publication; Registered Agent; Administration by Board of Directo
- § 7-9-7 — Investigation; Approval or Disapproval of Charter Application;
- § 7-9-8 — Issuance of Certificate of Incorporation by Secretary of State
- § 7-9-9 — Corporate Existence; Shareholders; Authority to Regulate and Supervise Sale of Shares; Legal Effect
- § 7-9-11 — Capital Stock and Paid-In Surplus Requirements
- § 7-9-10 — Liability of Applicant Beginning Business Before Authorized
- § 7-9-12.1 — Treatment of Merchant Funds
- § 7-9-12 — Limitations on Depositors and Deposit-Taking Activities; Deposit Insurance; Self-Acquiring Activitie
- § 7-9-13 — Enforcement by Department; Rules and Regulations