reglab/housing_qa huggingface dataset:
GA Code § 7-4-8 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-8. Commission to Third Person Does Not Make Lawful Interest Usurious

 Except as the application of this Code section is modified by Code Section 7-3-5, where the lender neither takes nor contracts to take more than lawful interest, the loan is not rendered usurious by money paid or agreed to be paid others by the borrower in order to obtain the loan.   (Civil Code 1895, § 2887; Civil Code 1910, § 3437; Code 1933, § 57-104; Ga. L. 1957, p. 331, § 3.)   Editor's notes.   - Code Section 7-3-5, referred to in this Code section, was repealed by Ga. L. 2020, p. 156, § 2/SB462, effective June 30, 2020.   Law reviews.   - For article discussing methods of computation of finance charges in Georgia consumer credit contracts, see 30 Mercer L. Rev. 281 (1978). For note discussing the applicability of the usury laws to legitimate brokers' commissions, see 12 Ga. L. Rev. 814 (1978).   JUDICIAL DECISIONS   Commission to surety is not usurious.    - Premium or commission paid by principal maker of promissory note to endorser or surety to protect latter in risk assumed and to compensate the endorser for the endorser's services in procuring loan for which note is given, in which premium or commission lender has no interest, is in no sense usury. Jones v. Norton, 9 Ga. App. 333, 71 S.E. 687 (1910); Morgan v. Shepherd, 171 Ga. 33, 154 S.E. 780 (1930).   Whether one is agent of borrower or of lender is question for jury.    - Question whether agent was agent of borrower or of lender is question of fact which should be decided by jury. Williams v. Forman, 18 Ga. App. 242, 89 S.E. 459 (1916), later appeal, 147 Ga. 441, 94 S.E. 552 (1917).    Cited in Eubanks v. Shewmake Bros. Co., 30 Ga. App. 315, 117 S.E. 664 (1923); Vezzani v. Tallant, 121 Ga. App. 67, 172 S.E.2d 858 (1970).   RESEARCH REFERENCES   Am. Jur. 2d.   - 45 Am. Jur. 2d, Interest and Usury, § 138 et seq.   C.J.S.   - 47 C.J.S., Interest and Usury; Consumer Credit, § 243.   ALR.    - Usury: expenses or charges (including taxes) incident to loan of money, 53 A.L.R. 743; 63 A.L.R. 823; 105 A.L.R. 795.   Usury: expenses or charges in form of commissions to agents, brokers, or like intermediaries incident to loan of money, 52 A.L.R.2d 703.   Payments under (ostensibly) independent contract as usury, 81 A.L.R.2d 1280.   Usury: charging borrower for or with expense or trouble of procuring money loaned, 91 A.L.R.2d 1389.
GA Code § 7-4-9 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-9. Back Interest May Be Stipulated in Contract and Recovered

 Interest from date, if the debt is not punctually paid at maturity, may be recovered when so stipulated in the contract, provided interest has not already been included in the principal amount.   (Orig. Code 1863, § 2025; Code 1868, § 2026; Code 1873, § 2052; Code 1882, § 2052; Civil Code 1895, § 2879; Civil Code 1910, § 3429; Code 1933, § 57-105.)   Law reviews.   - For article on Georgia's usury laws and interest on interest, see 8 Ga. St. U.L. Rev. 291 (1992).   JUDICIAL DECISIONS   Interest on past due interest.    - There is no inhibition against charging interest on interest which is past due. Hardy v. G.A.C. Fin. Corp., 131 Ga. App. 282, 205 S.E.2d 526, aff'd, 232 Ga. 632, 208 S.E.2d 453 (1974).   Interest obligation note is liquidated demand bearing interest upon maturity.    - When obligation to pay interest is put in form of an interest note, that note becomes a liquidated demand; and when it is not paid at maturity it bears interest as such, certainly if parties have contracted that it should. Hardy v. G.A.C. Fin. Corp., 131 Ga. App. 282, 205 S.E.2d 526, aff'd, 232 Ga. 632, 208 S.E.2d 453 (1974).    Cited in Taylor v. Thomas, 61 Ga. 472 (1878); Union Sav. Bank & Trust Co. v. Dottenheim, 107 Ga. 606, 34 S.E. 217 (1899); Haire v. Allied Fin. Co., 99 Ga. App. 649, 109 S.E.2d 291 (1959); Fried v. Morris & Eckels Co., 118 Ga. App. 595, 164 S.E.2d 732 (1968); Lewis v. Termplan, Inc., 124 Ga. App. 507, 184 S.E.2d 473 (1971).   RESEARCH REFERENCES   Am. Jur. 2d.   - 44B Am. Jur. 2d, Interest and Usury, § 262..   C.J.S.   - 47 C.J.S., Interest and Usury; Consumer Credit, § 134 et seq.   ALR.    - Rate of interest after maturity on contracts fixing rate "until payment", 6 A.L.R. 1196.    Right to have usurious payments made on previous obligation applied as payment of principal on renewal, 13 A.L.R. 1244.    Interest on certificate of deposit after maturity, 15 A.L.R. 650.    Right to interest on overdue instalments of interest, in absence of provision therefor, 27 A.L.R. 81.    Right of partners inter se in respect of interest, 66 A.L.R. 3.    Construction of contractual provisions as to interest as regards time from which interest is to be computed, 69 A.L.R. 958.    Payment of or offer to pay principal and legal interest as condition of relief in equity against usurious contract, 70 A.L.R. 693; 135 A.L.R. 808; 166 A.L.R. 458.    Who other than borrower may avail himself to latter's right to recover back usurious payments or penalties therefor, 82 A.L.R. 1008; 134 A.L.R. 1335.    Income tax in respect of amount collected on a debt which had been deducted as a bad debt in the return for a previous year, 143 A.L.R. 338.   Right of holder of commercial paper to interest or finance charges applicable to period after acceleration of maturity of obligation because of debtor's default, 63 A.L.R.3d 10.   Contingency as to borrower's receipt of money or other property from which loan is to be repaid as rendering loan usurious, 92 A.L.R.3d 623.
GA Code § 7-4-13 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-13. Law of Place of Contract Governs Interest Unless Otherwise Provided

 Every contract shall bear interest according to the law of the place of the contract at the time of the contract, unless upon its face it shall be apparent that the intention of the parties was to adopt the law of another forum; in this case the law of that forum shall govern.   (Orig. Code 1863, § 2026; Code 1868, § 2027; Code 1873, § 2053; Code 1882, § 2053; Civil Code 1895, § 2880; Civil Code 1910, § 3430; Code 1933, § 57-106.)   Law reviews.   - For article on choice-of-law of contracts in Georgia, see 21 Mercer L. Rev. 389 (1970).   JUDICIAL DECISIONS   ANALYSIS    General Consideration   Intent of Parties   Evidence    RESEARCH REFERENCES   Am. Jur. 2d.   - 44B Am. Jur. 2d, Interest and Usury, §§ 11, 14, 15.   C.J.S.   - 47 C.J.S., Interest and Usury; Consumer Credit, § 79 et seq.   ALR.    - Time at which interest is payable under will or contract providing for payment of interest, 10 A.L.R. 997.    Validity of agreement to pay interest on interest, 37 A.L.R. 325; 76 A.L.R. 1484.    Right of holder of preferred claim to interest after appointment of receiver or declared bankruptcy or insolvency, where assets are insufficient to pay principal of all claims, 69 A.L.R. 1210.    Law of the forum as governing the right to and rate of interest as damages for delay in payment of money or discharge of other obligations, 78 A.L.R. 1047.    Who other than borrower may avail himself to latter's right to recover back usurious payments or penalties therefor, 82 A.L.R. 1008; 134 A.L.R. 1335.
GA Code § 7-4-14 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-14. Interest Runs From Default Unless Otherwise Agreed; When Demand Necessary

 In the absence of an agreement to the contrary, interest shall not run until default; hence, where money can be recovered because of mistake or other like reasons, no interest shall run until after demand and refusal to refund.   (Civil Code 1895, § 2881; Civil Code 1910, § 3431; Code 1933, § 57-107.)   Law reviews.   - For survey article on trial practice and procedure, see 60 Mercer L. Rev. 397 (2008).   JUDICIAL DECISIONS   ANALYSIS    General Consideration   Mistake   Obligations Payable On Demand    RESEARCH REFERENCES   Am. Jur. 2d.   - 44B Am. Jur. 2d, Interest and Usury, §§ 48, 49.   C.J.S.   - 47 C.J.S., Interest and Usury; Consumer Credit, § 103.   ALR.    - Time at which interest is payable under will or contract providing for payment of interest, 10 A.L.R. 997.    When contract construed to require interest to be paid in advance, 39 A.L.R. 951.    Who other than borrower may avail himself to latter's right to recover back usurious payments or penalties therefor, 82 A.L.R. 1008; 134 A.L.R. 1335.    Liability of Federal Deposit Insurance Corporation for interest in respect of insured deposit, 153 A.L.R. 532.
GA Code § 7-4-15 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-15. When Interest Runs on Liquidated Demands; Promissory Notes Payable on Demand

 All liquidated demands, where by agreement or otherwise the sum to be paid is fixed or certain, bear interest from the time the party shall become liable and bound to pay them; if payable on demand, they shall bear interest from the time of the demand. In case of promissory notes payable on demand, the law presumes a demand instantly and gives interest from date.   (Laws 1799, Cobb's 1851 Digest, p. 405; Ga. L. 1858, p. 90, § 1; Code 1863, § 2029; Code 1868, § 2030; Code 1873, § 2056; Code 1882, § 2056; Civil Code 1895, § 2884; Civil Code 1910, § 3434; Code 1933, § 57-110.)   Law reviews.   - For article, "2015 Georgia Corporation and Business Organization Case Law Developments," see 21 Ga. St. Bar. J. 30 (Apr. 2016). For note discussing usury law application to interest charged on liquidated demands and promissory notes payable on demand, see 12 Ga. L. Rev. 814 (1978).   JUDICIAL DECISIONS   ANALYSIS    General Consideration   Liquidated Demands   Accounts   Insurance   When Interest Is Recoverable   Effect of Tender    RESEARCH REFERENCES   Am. Jur. 2d.   - 44B Am. Jur. 2d, Interest and Usury, § 36.   C.J.S.   - 10 C.J.S., Bills and Notes, §§ 82, 231, 301. 47 C.J.S., Interest and Usury; Consumer Credit, § 42 et seq.   ALR.    - Right to interest for period before advances under a loan to be advanced to the borrower in installments, 40 A.L.R. 825.   Time from which interest is recoverable on demand note or like demand instrument containing no provision as to interest, 45 A.L.R.2d 1202.
GA Code § 7-4-16 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-16. When Interest Runs on Commercial Accounts; Maximum Interest Rate on Commercial Accounts

 Unless otherwise provided in writing signed by the obligor, a commercial account becomes due and payable upon the date a statement of the account is rendered to the obligor. The owner of a commercial account may charge interest on that portion of a commercial account which has been due and payable for 30 days or more at a rate not in excess of 1 1/2 percent per month calculated on the amount owed from the date upon which it became due and payable until paid. "Commercial account" means an obligation for the payment of money arising out of a transaction to sell or furnish, or the sale of, or furnishing of, goods or services other than a "retail installment transaction" as defined in paragraph (10) of subsection (a) of Code Section 10-1-2.   (Ga. L. 1858, p. 90, § 1; Code 1863, § 2030; Code 1868, § 2031; Ga. L. 1873, p. 22, § 1; Code 1873, § 2057; Code 1882, § 2057; Civil Code 1895, § 2885; Civil Code 1910, § 3435; Code 1933, § 57-111; Ga. L. 1980, p. 514, § 1.)   Law reviews.   - For survey article on recent developments in Georgia law of remedies, see 34 Mercer L. Rev. 397 (1982). For annual survey on construction law, see 65 Mercer L. Rev. 67 (2013).   JUDICIAL DECISIONS   ANALYSIS    General Considerations   Prejudgment Interest   Procedure    OPINIONS OF THE ATTORNEY GENERAL   Unpaid interest as liquidated demand.    - When a commercial account provides that unpaid interest becomes a "liquidated demand," such interest may be treated as part of that portion of the account which has been due and payable, within the meaning of O.C.G.A. § 7-4-16; when such interest has been due and payable for 30 days or more, it may itself accrue interest at the contract rate. 1983 Op. Att'y Gen. No. U83-9.   RESEARCH REFERENCES   C.J.S.   - 47 C.J.S., Interest and Usury; Consumer Credit, § 101.
GA Code § 7-4-17.1 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-17.1. Refunds From Loans on Which Interest Is Calculated Under the Add-on Interest Method and Which Are Paid Off Prior to Maturity

 Repealed by Ga. L. 1983, p. 1146, § 8, effective March 31, 1983.   Editor's notes.   - This Code section was based on Ga. L. 1981, p. 1016, § 1.
GA Code § 7-4-19 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-19. Civil Action to Enforce Chapter

 The Department of Banking and Finance may bring an appropriate civil action to enforce any provision of this chapter whether by injunction or otherwise in any superior court of this state having jurisdiction over one or more defendants.    (Code 1981, §7-4-19, enacted by Ga. L. 1983, p. 1146, § 6; Ga. L. 1989, p. 14, § 7; Ga. L. 2020, p. 156, § 4/SB 462.)    The 2020 amendment,  effective June 30, 2020, deleted "or the Industrial Loan Commissioner" following "Finance" in the first sentence and deleted the former second and third sentences, which read: "In the case of a loan made pursuant to this chapter by a licensee under Chapter 3 of this title, relating to industrial loans, such action shall be brought by the Industrial Loan Commissioner. In the case of any other loan, the action shall be brought by the Department of Banking and Finance."
GA Code § 7-4-20 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-20. Election to Forgo Application of Federal Usury Laws

 In enacting Code Sections 7-4-2 through 7-4-5, the General Assembly exercises its prerogative:    Under subsection (b)(2) of Section 501 of the Depository Institutions Deregulation and Monetary Control Act of 1980, Public Law 96-221 (12 U.S.C. Section 1735f-7, notes), and declares that the provisions of subsection (a)(1) of Section 501 do not apply to loans, mortgages, credit sales, and advances made in the State of Georgia on and after March 31, 1983; and   Under Section 512 of that act, Public Law 96-221 (12 U.S.C. Section 86a, notes), and declares that the provisions which preempt the law of this state in Section 511 of that act do not apply to business and agricultural loans in amounts of $1,000.00 or more made in the State of Georgia on and after March 31, 1983.     (Code 1981, §7-4-20, enacted by Ga. L. 1983, p. 1146, § 7; Ga. L. 2004, p. 631, § 7.)
GA Code § 7-4-21 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-21. Class Action Barred on Claims for Violation of Interest Laws on Loans Secured by Real Estate

 A claim of violation on any loan secured by an interest in real estate may be asserted in an individual action only and may not be the subject of a class action under Code Section 9-11-23 or any other provisions of law.   Nothing contained in this Code section shall be construed to affect any class action which was pending in any court of this state, including any United States courts, on February 15, 1983, as to the parties to and subject matter then before such court.    (Code 1981, §7-4-21, enacted by Ga. L. 1983, p. 1316, § 1; Ga. L. 1984, p. 22, § 7.)   Law reviews.   - For annual survey article on domestic relations, see 50 Mercer L. Rev. 217 (1998).
GA Code § 7-4-30 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 2 - Residential Second Mortgages|§ 7-4-30. Through 7-4-36

 Reserved. Repealed by Ga. L. 1983, p. 1146, § 8, effective March 31, 1983.   Editor's notes.   - The former article was based on Ga. L. 1966, p. 574, §§ 2-6; Ga. L. 1967, p. 637, §§ 1, 2; Ga. L. 1968, p. 1086, § 1; Ga. L. 1975, p. 1114, § 1; Ga. L. 1976, p. 726, §§ 1, 2; Ga. L. 1979, p. 1281, §§ 1, 2; Ga. L. 1980, p. 511, § 3; Ga. L. 1982, p. 3, § 7.
GA Code § 8-2-200 (2021)
2021 Georgia Code|Title 8 - Buildings and Housing|Chapter 2 - Standards and Requirements for Construction, and Alteration, of Buildings and Other Structures|Article 3 - Application of Building and Fire Related Codes to Existing Buildings|§ 8-2-200. Short Title

 This article shall be known and may be cited as "The Uniform Act for the Application of Building and Fire Related Codes to Existing Buildings."    (Code 1981, §8-2-200, enacted by Ga. L. 1984, p. 1160, § 1.)
GA Code § 8-2-201 (2021)
2021 Georgia Code|Title 8 - Buildings and Housing|Chapter 2 - Standards and Requirements for Construction, and Alteration, of Buildings and Other Structures|Article 3 - Application of Building and Fire Related Codes to Existing Buildings|§ 8-2-201. Purpose and Applicability of Article

  It is a purpose of this article to encourage the sensitive rehabilitation, restoration, stabilization, or preservation of existing buildings throughout this state and to encourage the preservation of buildings and structures deemed to be historic in total or in part; provided, however, that such rehabilitation and preservation efforts should provide for the upgrading of the safety features of the building or structure to provide a practical level of safety to the public and surrounding property. It is the further purpose of this article to provide guidance regarding acceptable alternative solutions and to stimulate enforcement authorities to utilize alternative compliance concepts wherever practical to permit the continued use of existing buildings and structures without overly restrictive financial burdens on owners or occupants.   The provisions of this article shall not be applicable to new construction.     (Code 1981, §8-2-201, enacted by Ga. L. 1984, p. 1160, § 1; Ga. L. 2020, p. 493, § 8/SB 429.)    The 2020 amendment,  effective July 29, 2020, part of an Act to revise, modernize, and correct the Code, substituted "provided, however, that such rehabilitation" for "provided, however, such rehabilitation" in the first sentence of the proviso of subsection (a).
GA Code § 8-2-202 (2021)
2021 Georgia Code|Title 8 - Buildings and Housing|Chapter 2 - Standards and Requirements for Construction, and Alteration, of Buildings and Other Structures|Article 3 - Application of Building and Fire Related Codes to Existing Buildings|§ 8-2-202. Definitions

 As used in this article, the term:    "Enforcement authority" means the Safety Fire Commissioner, the state fire marshal, local building officials, local fire marshals, or any other state or local officials responsible for the implementation, application, or enforcement of any state law or local ordinance relating to building construction, or any state or local rule or regulation relating to building construction, or any building, mechanical, electrical, plumbing, life safety or fire prevention codes, or other construction standards that apply or are intended to apply to existing buildings. The term "enforcement authority" also means any local official designated by the local governing authority as the enforcement authority for the purposes of this article.   "Existing building or structure" means any completed building or structure which has been placed in service for a minimum of five years.   "Safety Fire Commissioner" or "Commissioner" means the office created in Code Section 25-2-2.     (Code 1981, §8-2-202, enacted by Ga. L. 1984, p. 1160, § 1.)
GA Code § 8-2-203 (2021)
2021 Georgia Code|Title 8 - Buildings and Housing|Chapter 2 - Standards and Requirements for Construction, and Alteration, of Buildings and Other Structures|Article 3 - Application of Building and Fire Related Codes to Existing Buildings|§ 8-2-203. Effect of Article on State and Local Enforcement Authorities

 The provisions of this article shall be mandatory and binding on the state fire marshal, the Safety Fire Commissioner, and other state officials responsible for state building code, fire code, life safety code, or other construction code enforcement. This article is not mandatory or binding on local enforcement authorities; provided, however, that any local building, fire, life safety, plumbing, electrical, mechanical, or other construction code enforcement authority may apply the applicable provisions of this article to any existing building whenever the local governing authority has adopted this article by reference and whenever such local code enforcement authority determines the need to utilize compliance alternatives to any provisions of the rules, regulations, codes, or standards he or she is empowered to interpret, apply, or enforce under authority of any state law or local ordinance. This article is a tool for use of code enforcement authorities to use as deemed appropriate in attempting to resolve problems encountered while enforcing codes and standards with regard to existing buildings and structures. Enforcement authorities should advise appropriate appeals boards of the provisions, purposes, and intent of this article.    (Code 1981, §8-2-203, enacted by Ga. L. 1984, p. 1160, § 1.)
GA Code § 8-2-204 (2021)
2021 Georgia Code|Title 8 - Buildings and Housing|Chapter 2 - Standards and Requirements for Construction, and Alteration, of Buildings and Other Structures|Article 3 - Application of Building and Fire Related Codes to Existing Buildings|§ 8-2-204. Alteration or Repair Without Total Compliance With New Construction Requirements

 The provisions of this article shall require any state code enforcement authority and shall permit any authorized local code enforcement authority to permit the repair, alteration, addition, or change of use or occupancy of existing buildings without total compliance with any state or local rule, regulation, code, or standard for new construction requirements under the following general conditions:    All noted conditions hazardous to life, based on the provisions of applicable state and local standards or codes for existing buildings, shall be corrected to a reasonable and realistic degree as set forth in this article, with specific attention to Code Sections 8-2-214 through 8-2-219;   The existing building becomes the minimum performance standard; and   The degree of compliance of the building after changes must not be below that existing before the changes. Nothing in this article will require nor prohibit compliance with requirements more stringent than those provided in this article.     (Code 1981, §8-2-204, enacted by Ga. L. 1984, p. 1160, § 1.)