reglab/housing_qa huggingface dataset:
GA Code § 7-3-32 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 3 - Installment Loans|Article 4 - Obligations of Licensees|§ 7-3-32. Locations; Written Approval; Approval Process; Exemption

  A licensee shall not engage in the business of installment lending at a location in this state unless the licensee has first received written approval from the department. Applications or renewals for such additional locations shall be made in writing on a form prescribed by the department and accompanied by a nonrefundable fee in an amount established by rules and regulations of the department.   Each manager of a licensee's location in Georgia shall be approved in writing by the department. A licensee may allow an individual to begin working as a new location manager prior to such approval, provided that the licensee submits an application for approval within 15 days of the new location manager beginning work as a location manager. If the department denies approval of such new location manager, the licensee shall immediately remove the individual upon notice of such denial.   No person shall become an owner of any licensee through acquisition or other change in control or become an executive officer of a licensee unless the person has first received written approval from the department. To apply for such approval, the person shall:   Submit an application to the department in such form as the department may prescribe;   Provide such other information as the department may require concerning the financial responsibility, background, experience, and activities of the applicant or its directors, owners, and executive officers; and   Pay a nonrefundable application fee as prescribed by rule and regulation of the department.     The department may prescribe by rule and regulation additional requirements for approval of an application submitted pursuant to this Code section.   The department shall approve an application properly submitted pursuant to this Code section if it finds that the applicant and its directors, owners, and executive officers have the financial responsibility, character, reputation, experience, and general fitness to warrant a belief that the business will be operated efficiently and fairly, in the public interest, and in accordance with the law.   This Code section shall not apply to:   The acquisition of an interest in a licensee by merger or consolidation with a person licensed pursuant to this article or a person exempt from the licensure requirements of this article under Code Section 7-3-4;   The acquisition of an interest in a licensee by merger or consolidation with a person affiliated through common ownership with the licensee; or   The acquisition of an interest in a licensee by a person by bequest, descent, or survivorship or by operation of law.     Any person acquiring an interest in a licensee in a transaction which is exempt pursuant to subsection (f) of this Code section shall send written notice to the department of such acquisition within 30 days of the closing of such transaction.     (Code 1981, §7-3-32, enacted by Ga. L. 2020, p. 156, § 2/SB 462.)
GA Code § 7-3-41 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 3 - Installment Loans|Article 5 - Regulation by Department|§ 7-3-41. Subpoena Powers and Procedures

  A subpoena issued pursuant to Code Section 7-3-40 may be served by:   Registered or certified mail or statutory overnight delivery, return receipt requested, to the addressee's business or personal mailing address;   Examiners appointed by the department; or   The sheriff of the county where such witness resides or is found or where the person in custody of any books, accounts, records, files, documents, or papers resides or is found.     The department may issue and apply to enforce subpoenas in this state at the request of any governmental agency, department, organization, or entity regulating the making of installment loans in another state if the activities constituting the alleged violation for which the information is sought would be a violation of this chapter if the alleged activities had occurred in this state.   If any person refuses to obey a subpoena issued under this chapter, a superior court of appropriate jurisdiction, upon application by the department, may issue to the person an order requiring such person to appear before the court to show cause why such person should not be held in contempt for refusal to obey the subpoena. Failure to obey a subpoena may be punished as contempt by the court.     (Code 1981, §7-3-41, enacted by Ga. L. 2020, p. 156, § 2/SB 462.)
GA Code § 7-3-43 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 3 - Installment Loans|Article 5 - Regulation by Department|§ 7-3-43. Suspension or Revocation of Licenses

  The department may suspend or revoke a license if it finds that any ground exists which would require or warrant the denial of an application for the issuance or renewal of a license.   The department may deny an application or suspend or revoke a license upon a finding that an applicant or a licensee has:   Committed any fraud, engaged in any dishonest activities, or made any misrepresentation;   Violated any provision of this chapter, any rule, regulation, or order issued by the department pursuant to this chapter, or any other law in the course of its business of making installment loans;   Made a false statement or failed to give a true reply in an application;   Demonstrated incompetency or untrustworthiness to act as an installment lender;   Failed to pay within 30 days after it became final a judgment recovered in any court in an action arising out of the licensee's business of making installment loans;   Purposely withheld, deleted, destroyed, or altered information requested by the department or made misrepresentations to the department;   Operated in an unsafe or unsound manner; or   Failed or refused to remit the tax required by Code Section 7-3-16 within the required time period.     The department shall not issue a license and shall revoke a license if it determines that the applicant or licensee is not financially sound or responsible or not able to engage in the business of making installment loans in an honest, fair, and efficient manner and with the confidence and trust of the community.   The department shall not issue a license and may suspend or revoke a license if an applicant or licensee was subject to, or employs any person subject to, a final cease and desist order or license revocation under this chapter within the preceding five years. Each applicant or licensee shall, before hiring an employee, examine the Nationwide Multistate Licensing System and Registry to determine that such employee is not subject to a cease and desist order or license revocation.   The department shall not issue a license and may suspend or revoke a license if it finds that any owner, director, trustee, or executive officer of the applicant or licensee has been in one or more of those roles for a licensee whose application has been denied or revoked or suspended within the preceding five years.     (Code 1981, §7-3-43, enacted by Ga. L. 2020, p. 156, § 2/SB 462.)
GA Code § 7-3-44 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 3 - Installment Loans|Article 5 - Regulation by Department|§ 7-3-44. Obligation to Provide Notice; Hearings; Compliance

  Notice of the department's intention to enter an order denying an application or suspending or revoking a license shall be sent to the applicant or licensee in writing by registered or certified mail or statutory overnight delivery addressed to the principal business address of such applicant or licensee. If a person refuses to accept service of such notice, the notice shall be served by the department under any other method of lawful service, and the person shall be liable to the department for a sum equal to the actual costs incurred to serve the notice. Such liability shall be paid upon notice and demand by the department and shall be assessed and collected in the same manner as other fees or fines administered by the department.   Within 20 days of the date of the notice issued pursuant to subsection (a) of this Code section, the applicant or licensee may request in writing a hearing to contest the order. If no such hearing is requested, the department shall enter a final order stating the grounds for the denial, suspension, or revocation. Such final order shall be effective on the date of issuance, and the department shall promptly mail a copy thereof to the principal business address of such applicant or licensee.   A decision by the department denying an application for licensure or an order of the department suspending or revoking a license shall be subject to review in accordance with Chapter 13 of Title 50, the "Georgia Administrative Procedure Act," except that judicial review shall be available solely in the superior court of the county of domicile of the department.   The department may pursue any administrative action initiated under this chapter against an applicant or licensee to its conclusion, regardless of whether the applicant or licensee withdraws its application or whether a licensee does not renew or surrenders its license.   The suspension, revocation, or expiration of a license shall not alter, ameliorate, or void the duties, defenses, and liabilities of either a borrower or a licensee under any existing agreement or contract entered into by the licensee prior to such suspension, revocation, or expiration.     (Code 1981, §7-3-44, enacted by Ga. L. 2020, p. 156, § 2/SB 462.)
GA Code § 7-3-45 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 3 - Installment Loans|Article 5 - Regulation by Department|§ 7-3-45. Cease and Desist Orders; Hearings; Reviews

  The department may issue an order requiring a person to cease and desist immediately from unauthorized activities whenever it shall appear to the department that:   Except as provided in paragraphs (2) and (3) of this subsection, a person has violated any law of this state or any rule, regulation, or order of the department. Such cease and desist order shall be final 20 days from the date of issuance unless the person to whom it is issued requests a hearing in writing within such 20 day period;   A person without a license is engaging in or has engaged in activities requiring licensure under this chapter. Such cease and desist order shall be final 30 days from the date of issuance without the opportunity for an administrative hearing. If such person obtains a license or submits to the department evidence of licensure or exemption from licensure within the 30 day period, the department shall rescind the order; or   A licensee has received a notice of bond cancellation under Code Section 7-3-21. Such cease and desist order shall be final 20 days from the date of issuance without the opportunity for an administrative hearing. If the required bond is reinstated or replaced and documentation evidencing such is submitted to the department within the 20 day period, the department shall rescind the order. In the event such cease and desist order becomes final, the license shall expire.     Any cease and desist order authorized by this Code section shall be in writing, sent by registered or certified mail or statutory overnight delivery, and addressed to the person's business address or, if the person is an individual, to either the business address or the individual's personal address. Any cease and desist order sent to the person's address that is returned to the department as "refused” or "unclaimed” shall be deemed as received and lawfully served.   Any hearing authorized under paragraph (1) of subsection (a) of this Code section shall be conducted in accordance with Chapter 13 of Title 50, the "Georgia Administrative Procedure Act."   Judicial review of a final decision of the department issued pursuant to paragraph (1) of subsection (a) of this Code section shall be in accordance with Chapter 13 of Title 50, the "Georgia Administrative Procedure Act," except that judicial review shall be available solely in the superior court of the county of domicile of the department.   Judicial review of a final decision of the department issued pursuant to paragraph (2) or (3) of subsection (a) of this Code section shall be in accordance with Code Section 7-1-90, except that judicial review shall be available solely in the superior court of the county of domicile of the department.     (Code 1981, §7-3-45, enacted by Ga. L. 2020, p. 156, § 2/SB 462.)
GA Code § 7-3-46 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 3 - Installment Loans|Article 5 - Regulation by Department|§ 7-3-46. Petitioning for State Court Jurisdiction; Civil Penalty; Other Penalties

  Whenever a person fails to comply with the terms of a final order or decision of the department issued pursuant to this chapter, the department may, through the Attorney General, petition any superior court of this state having jurisdiction over one or more defendants for an order directing such person to obey the order of the department within a period of time as shall be fixed by the court. Upon the filing of such petition, the court shall allow a motion to show cause why it should not be granted. After a hearing upon the merits or after failure of such person to appear when ordered, the court shall grant the petition of the department upon a finding that the order of the department was properly issued.   Any person who violates the terms of any final order or decision issued pursuant to this chapter shall be liable for a civil penalty not to exceed $1,000.00. Each day the violation continues shall constitute a separate offense. In determining the amount of the penalty, the department shall take into account the appropriateness of the penalty relative to the size of the financial resources of such person, the good faith efforts of such person to comply with the order, the gravity of the violation, the history of previous violations by such person, and such other factors or circumstances that contributed to the violation. The department may reduce any penalty which is subject to imposition or has been imposed pursuant to this Code section. Such penalty shall be final except as to judicial review as provided in Code Section 7-1-90, except that judicial review shall be available solely in the superior court of the county of domicile of the department.   The department may bring an appropriate civil action to enforce any provision of this chapter or any rule, regulation, decision, or order issued pursuant to this chapter, whether by injunction or otherwise, in the superior court of this state having jurisdiction over one or more of the defendants.   The department may prescribe by rule and regulation administrative fines for violations of this chapter or of rules, regulations, decisions, or orders issued pursuant to this chapter.     (Code 1981, §7-3-46, enacted by Ga. L. 2020, p. 156, § 2/SB 462.)
GA Code § 7-3-47 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 3 - Installment Loans|Article 5 - Regulation by Department|§ 7-3-47. Confidentiality; Disclosure Limitations

  Except as provided in this Code section, information obtained by the department pursuant to this chapter, which shall include any information disclosed through the Nationwide Multistate Licensing System and Registry, is confidential as provided in Code Section 7-1-70.   In addition to the exceptions set forth in subsection (b) of Code Section 7-1-70, the department is authorized to share information obtained under this chapter with other regulatory or law enforcement authorities. In the case of such sharing, the safeguards to confidentiality already in place within such agencies or authorities shall be deemed adequate. A designated employee or agent of the department may disclose such information as is necessary to conduct a civil or administrative investigation or proceeding related to the business of making installment loans.   The department is authorized to make the following information available to the public on the department's website, upon receipt by the department of a written request, or in the Nationwide Multistate Licensing System and Registry:   The name, business address, telephone number, facsimile number, and unique identifier of a licensee;   The names and titles of the executive officers of a licensee;   The names of the owners of a licensee;   The name, business address, telephone number, and facsimile number of all locations of a licensee;   The terms of or a copy of any bond filed by a licensee;   Information concerning any violation of this chapter or any rule, regulation, or order issued pursuant to this chapter, provided that such information is derived from a final order of the department;   The imposition of an administrative fine or penalty under this chapter; and   The address of a licensee's registered agent for service of process in this state.       (Code 1981, §7-3-47, enacted by Ga. L. 2020, p. 156, § 2/SB 462.)
GA Code § 7-3-48 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 3 - Installment Loans|Article 5 - Regulation by Department|§ 7-3-48. Civil Liability Limited for Providing Information

  Except in the case of malice, fraud, or bad faith, no person shall be subject to civil liability arising out of furnishing the department with information required pursuant to this chapter. No civil cause of action of any nature shall arise against such person:   For any information relating to suspected prohibited conduct furnished to or received from law enforcement officials, their agents, or employees or furnished to or received from other regulatory authorities;   For any information furnished to or received from other persons subject to the provisions of this chapter; or   For any information furnished in complaints filed with the department.     Neither the department nor its employees or agents shall be subject to civil liability, and no civil cause of action of any nature shall exist against the department or its employees or agents arising out of the performance of activities or duties pursuant to this chapter or by publication of any report of activities under this Code section.     (Code 1981, §7-3-48, enacted by Ga. L. 2020, p. 156, § 2/SB 462.)
GA Code § 7-3-51 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 3 - Installment Loans|Article 5 - Regulation by Department|§ 7-3-51. Regulatory Authority

 Without limiting the power conferred by Chapter 1 of this title, the department may make reasonable rules and regulations, not inconsistent with law, for the interpretation and enforcement of this chapter.    (Code 1981, §7-3-51, enacted by Ga. L. 2020, p. 156, § 2/SB 462.)
GA Code § 7-3-52 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 3 - Installment Loans|Article 5 - Regulation by Department|§ 7-3-52. Limited Continuation of Licenses

 Every license in force and effect under the former provisions of this chapter on June 30, 2020, shall remain in full force and effect on July 1, 2020, and all such existing licensees shall be required to renew their licenses pursuant to Code Sections 7-3-20 and 7-3-22.    (Code 1981, §7-3-52, enacted by Ga. L. 2020, p. 156, § 2/SB 462.)
GA Code § 7-4-3.1 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-3.1. Maximum Interest Rate on Loans by Insured Financial Institutions

 Repealed by Ga. L. 1983, p. 1146, § 8, effective March 31, 1983.   Editor's notes.   - The former Code section was based on Code 1933, § 57-101.2, Ga. L. 1980, p. 511, § 1; Ga. L. 1981, p. 784, § 1; Ga. L. 1981, Ex. Sess., p. 8; Ga. L. 1982, p. 3, § 7.
GA Code § 7-4-4 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-4. Advertisement of Rates of Interest or Finance Charge

  No person shall advertise in or through any newspaper, radio, television, letter, circular, billhead, or in any way or through any medium any rate of interest or finance charge pertaining to any consumer credit transactions other than a rate stated in simple interest terms or a rate stated in terms which would comply with the federal Truth in Lending Simplification and Reform Act, Public Law 96-221 (15 U.S.C. 57(a) and 1602, et seq.).   There is no liability under this Code section on the part of any owner or personnel of any medium in which an advertisement appears or through which it is disseminated when the publisher, owner, agent, or employee did not have knowledge of the false, misleading, or deceptive character of the advertisement, did not prepare the advertisement, or did not have a direct financial interest in the sale or distribution of the advertised product or service.   Nothing contained in this Code section shall be construed to amend, modify, or repeal any of the provisions of Part 2 of Article 15 of Chapter 1 of Title 10, known as the "Fair Business Practices Act of 1975."     (Code 1981, §7-4-4, enacted by Ga. L. 1983, p. 1146, § 3; Ga. L. 1984, p. 22, § 7.)   Editor's notes.   - Ga. L. 1983, p. 1146, § 3 repealed former Code Section 7-4-4, relating to maximum interest rates on installment loans and giving security for principal and interest, and enacted present Code Section 7-4-4, which became effective March 31, 1983.   RESEARCH REFERENCES   ALR.   - What constitutes "finance charge" under § 106(a) of the Truth in Lending Act (15 USCA § 1605(a)) or applicable regulations, 154 A.L.R. Fed. 431.   Validity, construction, and application of Truth in Lending Act (TILA) and regulations promulgated thereunder - United States Supreme Court cases, 67 A.L.R. Fed. 2d 567.
GA Code § 7-4-5 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-5. Failure to Include Federal Loan Act Provisions in Retail Installment Loan; Violating Advertising Restrictions

  Any person who fails to comply with subsection (b) of Code Section 7-4-3 or Code Section 7-4-4 with respect to any person is liable to such person in an amount equal to the sum of:   Any actual damage sustained by such person as a result of the failure; and   Twice the amount of any interest or finance charge contracted for in connection with the transaction, except that the liability under this paragraph shall not be less than $100.00 nor greater than $1,000.00.     Such liability may be asserted in an individual action only and may not be the subject of a class action; provided, however, that this provision shall not apply to any class action pending prior to March 31, 1983.     (Code 1981, §7-4-5, enacted by Ga. L. 1983, p. 1146, § 4; Ga. L. 2020, p. 493, § 7/SB 429.)    The 2020 amendment,  effective July 29, 2020, part of an Act to revise, modernize, and correct the Code, substituted "provided, however, that this provision" for "provided, however, this provision" in the proviso of subsection (b).   Editor's notes.   - Ga. L. 1983, p. 1146, § 4 repealed former Code Section 7-4-5, relating to maximum interest on loans secured by deposits or savings account, and enacted present Code Section 7-4-5, which became effective March 31, 1983.   JUDICIAL DECISIONS    Cited in Ford Motor Credit Co. v. London, 175 Ga. App. 33, 332 S.E.2d 345 (1985).
GA Code § 7-4-6 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-6. No Limit on Interest Rate Payable by Profit Corporations or Persons on Nonconsumer Loans in Excess of $3,000.00

 Reserved. Repealed by Ga. L. 1983, p. 1146, § 8, effective March 31, 1983.   Editor's notes.   - The former Code section was based on Code 1933, § 57-118, enacted by Ga. L. 1961, p. 300, §§ 1, 2; Ga. L. 1979, p. 355, § 2.
GA Code § 7-4-7 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 4 - Interest and Usury|Article 1 - In General|§ 7-4-7. No Limit on Interest Rate on Loans of $100,000.00 or More

 Reserved. Repealed by Ga. L. 1983, p. 1146, § 8, effective March 31, 1983.   Editor's notes.   - The former Code section was based on Code 1933, § 57-119, enacted by Ga. L. 1969, p. 80, §§ 1, 2, 5.