Title 7. Banking and Finance

Chapter 1. Financial Institutions

• Article 1. Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally
• Article 2. Banks and Trust Companies
• Article 3. Credit Unions
• Article 4. Sale of Payment Instruments Or the Transmission of Money
• Article 4a. Cashing Payment Instruments For Consideration
• Article 5. International Banking Corporations and Bank Agencies
• Article 5a. Domestic International Banking Facilities
• Article 6. Business Development Corporations
• Article 7. Building and Loan Associations and Savings and Loan Associations
• Article 8. Multiple-Party Accounts
• Article 9. Criminal and Related Provisions
• Article 10. Transition Provisions; Fees of Secretary of State
• Article 11. Records and Reports of Currency Transactions
• Article 12. Small Minority Business Development Corporations
• Article 13. Licensing of Mortgage Lenders and Mortgage Brokers

Chapter 2. Credit Union Deposit Insurance Corporation

• OCGA § 7-2-1 Incorporation Procedures
• OCGA § 7-2-7 Membership Fees; Refunds of Fees, Assessments, and Premiums; Distribution of Undivided Corporate Earnings Preceding Voluntary Cessation of Business
• OCGA § 7-2-11 Exclusive Supervision By Department; Rules and Regulations

Chapter 3. Installment Loans

• Article 1. General Provisions
• Article 2. Restrictions
• Article 3. Application
• Article 4. Obligations of Licensees
• Article 5. Investigations and Examinations; Suspension Or Revocation of License

Chapter 4. Interest and Usury

• Article 1. In General
• Article 2. Residential Second Mortgages

Chapter 5. Credit Cards and Credit Card Banks

• OCGA § 7-5-2 Definitions
• OCGA § 7-5-3 Organization of Credit Card Banks
• OCGA § 7-5-4 Credit Card Charges and Fees
• OCGA § 7-5-5 Regulation of Credit Card Banks; Enforcement; Rules and Regulations
• OCGA § 7-5-6 Applicability of Banking Laws
• OCGA § 7-5-7 [Repealed] Penalties For Violation of Chapter

Chapter 6. Credit Or Loan Discrimination

Chapter 6a. Fair Lending

• OCGA § 7-6A-1 Short Title
• OCGA § 7-6A-2 Definitions
• OCGA § 7-6A-3 Limitations of Home Loans
• OCGA § 7-6A-4 "Flipping" a Home Loan; Costs and Fees
• OCGA § 7-6A-5 Limitations of High-Cost Home Loans
• OCGA § 7-6A-6 Affirmative Claims and Defenses Against Creditors; Conditions For Relief; Actions Intending to Evade Chapter Prohibited
• OCGA § 7-6A-7 Violation of Chapter
• OCGA § 7-6A-8 Enforcement of Chapter; Penalties For Violations
• OCGA § 7-6A-9 Terms of Insurer Providing Insurance Through Financed Premiums
• OCGA § 7-6A-10 Severability of Chapter
• OCGA § 7-6A-11 Municipality Or County Not Able to Regulate Terms of Home Loans
• OCGA § 7-6A-12 Application; Preemption By Federal Law
• OCGA § 7-6A-13 Promulgation of Rules and Regulations; Creditor's Good Faith Reliance On Guidance From Department Constituting Prima-Facie Evidence of Compliance

Chapter 7. Loan Brokers

• OCGA § 7-7-1 Definitions

Chapter 8. Safe Use of Remote Service Terminals

• OCGA § 7-8-1 Definitions

Chapter 9. Georgia Merchant Acquirer Limited Purpose Banks

• OCGA § 7-9-1 Short Title
• OCGA § 7-9-2 Definitions
• OCGA § 7-9-3 Chartering of Merchant Acquirer Limited Purpose Banks; Regulation Limited
• OCGA § 7-9-4 Application; Fees; Minimum Number of Employees
• OCGA § 7-9-5 Articles of Incorporation; Filing; Publication; Registered Agent; Administration By Board of Directors
• OCGA § 7-9-5.1 Meetings
• OCGA § 7-9-5.2 Bylaws
• OCGA § 7-9-5.3 Merchant Acquirer Limited Purpose Bank
• OCGA § 7-9-5.4 Oath of Office; Administration of Affairs
• OCGA § 7-9-6 Information to Be Included On Charter Application
• OCGA § 7-9-7 Investigation; Approval Or Disapproval of Charter Application; "Conviction Data" Defined; Background Checks; Impact of Disapproval
• OCGA § 7-9-8 Issuance of Certificate of Incorporation By Secretary of State
• OCGA § 7-9-9 Corporate Existence; Shareholders; Authority to Regulate and Supervise Sale of Shares; Legal Effect of Incorporation Certificate; When Business May Begin
• OCGA § 7-9-10 Liability of Applicant Beginning Business Before Authorized
• OCGA § 7-9-11 Capital Stock and Paid-In Surplus Requirements
• OCGA § 7-9-11.1 Merger Or Consolidation of Limited Purpose Bank; Compliance With Provisions of Chapter 9
• OCGA § 7-9-11.2 Terms and Conditions of Merger Or Consolidation
• OCGA § 7-9-11.3 Notice of Merger Or Consolidation; Filing
• OCGA § 7-9-11.4 Parties to Merger Or Consolidation Plan to File Application; Requirements
• OCGA § 7-9-11.5 Investigation of Merger Or Consolidation Plan; Approval Or Disapproval
• OCGA § 7-9-11.6 Issuance of Certificate of Merger Or Consolidation
• OCGA § 7-9-11.7 Certificate Effective Upon Issuance By Secretary of State; Evidence of Satisfactory Performance; Effect of Merger
• OCGA § 7-9-11.8 Rights and Remedies of Shareholders
• OCGA § 7-9-12 Limitations On Depositors and Deposit-Taking Activities; Deposit Insurance; Self-Acquiring Activities Not Permitted
• OCGA § 7-9-12.1 Treatment of Merchant Funds
• OCGA § 7-9-13 Enforcement By Department; Rules and Regulations