reglab/housing_qa huggingface dataset:
GA Code § 7-1-76 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 3 - Operations of Department of Banking and Finance|§ 7-1-76. Department May Act After Time Limit Without Resubmittal; Withdrawal of Applications and Requests; Imposition of Conditions; Nullification

  Failure of the department to act within any of the time limits established by this chapter or regulations issued pursuant thereto shall not deprive the department of jurisdiction thereafter to act in regard to the matter involved without need for resubmittal of any application, request, or similar action.   Any action, application, or request requiring department approval under this chapter may be withdrawn by the applicant prior to department action thereon without prejudice to the applicant's right to resubmit such application at a later date. If such application has been forwarded to the department through the Secretary of State, the department shall notify the Secretary of State of any such withdrawal and that the application or request is no longer pending.   The department may impose conditions on any approval, including but not limited to conditions designed to address competitive, financial, managerial, safety and soundness, convenience and needs, compliance, and other concerns, to ensure that such approval is consistent with the provisions of this chapter.   The department may nullify a decision on any request, action, or application if:   The department becomes aware of any material misrepresentation or omission by the applicant;   The department is not promptly informed by the applicant of a subsequent material change in circumstances;   The decision is contrary to law, regulation, or departmental policy; or   The decision was granted due to clerical or administrative error or was based on a material mistake of law or fact.      (Code 1933, § 41A-317, enacted by Ga. L. 1974, p. 705, § 1; Ga. L. 1998, p. 795, § 7.)
GA Code § 7-1-77 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 3 - Operations of Department of Banking and Finance|§ 7-1-77. Approval by Commissioner of State Rules and Regulations Affecting Financial Institutions

 Any rule, regulation, order, or administrative directive issued by a state official, agency, or entity which is intended to be applicable to banks, banking associations, bank holding companies, savings and loan associations, credit unions, or companies engaged in selling money orders or any other company or financial institution under the supervision of the commissioner and required to report to the commissioner or subject to rules and regulations issued by the commissioner shall be effective as to any such company or financial institution only after the rule, regulation, order, or other directive has been approved in writing by the commissioner. Nothing in this Code section shall be construed to modify, limit, or otherwise restrict the authority of the department to conduct an examination, bring a civil or administrative action, or otherwise enforce state or federal laws against a financial institution.   (Code 1933, § 41A-318, enacted by Ga. L. 1979, p. 950, § 1; Ga. L. 2016, p. 390, § 7-3/HB 811.)   RESEARCH REFERENCES   C.J.S.   - 9 C.J.S., Banks and Banking, §§ 11 et seq., 137.
GA Code § 7-1-78 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 3 - Operations of Department of Banking and Finance|§ 7-1-78. Agreements With Other Supervisory or Regulatory Authorities

  The department may, at its discretion, enter into cooperative or reciprocal agreements with other supervisory or regulatory authorities or law enforcement and may furnish to such entities information contained in the examinations, reports, and institution files, provided that the information is to be used for confidential, regulatory purposes.   Furnishing information as permitted by this Code section shall not be deemed to change the confidential character of the information furnished.   The department may accept reports of examination and other records from such entities in lieu of conducting its own examination.   Any examination reports, reports of investigation, or other information obtained from such entities shall be deemed the property of the providing entity and not available for public review. Any requests for such information shall be made to the providing entity.   The department may take such actions as are reasonably necessary, either independently or with such entities, to facilitate the regulation of financial services providers doing business in this state.     (Code 1981, §7-1-78, enacted by Ga. L. 1995, p. 673, § 10; Ga. L. 2004, p. 458, § 2; Ga. L. 2015, p. 344, § 5/HB 184.)   RESEARCH REFERENCES   Am. Jur. 2d.   - 10 Am. Jur. 2d, Banks and Financial Institutions, § 19 et seq.
GA Code § 7-1-79 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 3 - Operations of Department of Banking and Finance|§ 7-1-79. Discretionary Expedited Approval Process; Considerations

  The department may determine that formal approvals for certain transactions or activities to be conducted by its regulated entities are not necessary but may be replaced by a discretionary expedited approval process to begin with written notice to the department by the entity which describes the transaction or activity in a form and with a specificity acceptable to the department. For such instances, the department shall promulgate rules and regulations consistent with the authority provided to it in this chapter.   In the exercise of the discretion permitted by this Code section, the commissioner shall consider:   Whether the transaction or activity poses unacceptable safety and soundness risks;   Whether the transaction or activity is warranted only for financially strong and well-managed institutions, as such institutions are further defined in department regulations;   Whether the transaction or activity is necessary to reduce the burden on financial institutions or other entities which the department regulates;   Whether the transaction or activity will assist regulated entities in remaining competitive and responsive to both economic and consumer demands; and   Whether the transaction or activity is consistent with the objectives of this Code section.       (Code 1981, §7-1-79, enacted by Ga. L. 1997, p. 485, § 9.)
GA Code § 7-1-90 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 4 - Proceedings Involving the Department of Banking and Finance|§ 7-1-90. Judicial Review of Department Actions

  Any final action of the department or refusal of the department to act may be subject to judicial review by any person or corporation affected by such action. Such action shall be brought within 60 days of the final action or refusal of action by the department as a special statutory proceeding in the county in which the affected person or corporation resides or is domiciled if within this state (which in the case of a corporation shall be the county of its registered office if it has such an office) or in Fulton County if the affected person or corporation resides or is domiciled outside of this state. The review shall be conducted by the court without a jury. The court shall not substitute its judgment for that of the department but may:   Compel department action unlawfully withheld; or   Hold unlawful and set aside department action found to be:   In violation of constitutional or statutory provision;   In excess of statutory authority;   Made upon unlawful procedure; or   Arbitrary, capricious, or otherwise in abuse of discretion,  provided that any action reviewable under Chapter 13 of Title 50, the "Georgia Administrative Procedure Act," or through the injunction procedure of Code Section 7-1-155 shall be reviewed under that chapter or Code section and not under this Code section.        Appeals from all final orders and judgments entered by the superior court under this Code section may be taken to the Court of Appeals or the Supreme Court in the same manner as in other cases.    (Code 1933, § 41A-401, enacted by Ga. L. 1974, p. 705, § 1; Ga. L. 1975, p. 445, § 9; Ga. L. 1981, p. 1366, § 3.)   RESEARCH REFERENCES   C.J.S.   - 73A C.J.S., Public Administrative Law and Procedure, §§ 315, 317.
GA Code § 7-1-92 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 4 - Proceedings Involving the Department of Banking and Finance|§ 7-1-92. Forfeiture Proceedings

  Articles of financial institutions existing under the laws of this state are subject to forfeiture:   In the case of an institution subject to such requirements, for failure to file its annual report with the Secretary of State or its annual license or occupation tax return within the time required by law;   For failure to maintain a registered office in this state as required by the provisions of Title 14, relating to corporations, or by Code Section 7-1-132;   For having procured its articles through fraud;   For failure to organize and proceed to do business within a period of 24 months from the date of the certificate of incorporation;   For failure to obey a final court order issued pursuant to subsection (a) of Code Section 7-1-91 within the time specified in such order; or   Where, because of violation of law or its articles or the unsafe condition or manner of operation of the financial institution, its continued existence is likely to injure the public or the institution's creditors or depositors.     Where such grounds exist, the department, through the Attorney General and in the name of the state, is authorized to institute quo warranto or other appropriate proceedings in the principal court to vacate and forfeit the articles of any financial institution.   Where the articles of any financial institution shall be forfeited, the department shall, if it has not already done so, take charge of the business and assets of such institution and proceed to liquidate it in the same manner as is herein provided in cases where the department takes possession of a financial institution directly.   No action to forfeit the articles of any financial institution shall be brought except as provided herein, but any person or corporation shall have the right to submit to the department any facts which under the law would authorize the forfeiture of the articles of a financial institution.   On and after April 1, 1975, the provisions of Title 14, relating to forfeiture, shall not be applicable to financial institutions.    (Ga. L. 1919, p. 135, art. 15, §§ 1-4; Ga. L. 1925, p. 165, § 10; Code 1933, §§ 13-1601, 13-1602, 13-1603, 13-1604, 25-122; Ga. L. 1935, p. 114, § 1; Ga. L. 1937-38, Ex. Sess., p. 307, § 7; Ga. L. 1943, p. 279, § 1; Ga. L. 1949, p. 442, § 1; Ga. L. 1956, p. 742, § 4; Ga. L. 1960, p. 977, § 1; Ga. L. 1962, p. 74, § 3; Ga. L. 1968, p. 465, § 8; Code 1933, § 41A-403, enacted by Ga. L. 1974, p. 705, § 1; Ga. L. 1975, p. 445, § 11.)   Cross references.   - Declaration by Secretary of State of forfeiture of charter of Secretary of State corporations, § 14-4-160.   RESEARCH REFERENCES   C.J.S.   - 9 C.J.S., Banks and Banking, §§ 166 et seq., 527.
GA Code § 7-1-93 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 4 - Proceedings Involving the Department of Banking and Finance|§ 7-1-93. Injunction and Other Actions by Department

 The department may bring an appropriate civil action to enforce any provision of this chapter or regulations issued hereunder, whether by injunction or otherwise, in the superior court of this state having jurisdiction over one or more of the defendants.   (Code 1933, § 13-208, enacted by Ga. L. 1960, p. 67, § 7; Ga. L. 1970, p. 954, § 6; Code 1933, § 41A-404, enacted by Ga. L. 1974, p. 705, § 1.)   RESEARCH REFERENCES   C.J.S.   - 73A C.J.S., Public Administrative Law and Procedure, §§ 481, 483.
GA Code § 7-1-94 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 4 - Proceedings Involving the Department of Banking and Finance|§ 7-1-94. Evidential Value of Results of Examinations or Investigations; Editing Out of Information Tending to Undermine Public Confidence in Financial Institution

 When the record of any examination or investigation of a financial institution by the department or the report by the examiner or employee of the department who conducted such examination or investigation is admissible in evidence under Title 24, the department, with the permission of the court, may edit out of the record or report any portion thereof which is not pertinent to the issue in question before the court or which would tend unnecessarily to affect adversely the public confidence in the financial institution.   (Ga. L. 1919, p. 135, art. 2, § 20; Ga. L. 1919, p. 135, art. 3, § 10; Ga. L. 1920, p. 102, § 1; Code 1933, §§ 13-320, 13-410; Ga. L. 1966, p. 692, § 27; Code 1933, § 41A-405, enacted by Ga. L. 1974, p. 705, § 1; Ga. L. 1975, p. 445, § 12; Ga. L. 2011, p. 99, § 5/HB 24.)   Cross references.   - Hearsay rule exceptions, § 24-8-803.    Self authentication, § 24-9-902.    Public records, § 24-10-1005.   Editor's notes.   - Ga. L. 2011, p. 99, § 101/HB 24, not codified by the General Assembly, provides that this Act shall apply to any motion made or hearing or trial commenced on or after January 1, 2013.   Law reviews.   - For article, "Evidence," see 27 Ga. St. U.L. Rev. 1 (2011). For article on the 2011 amendment of this Code section, see 28 Ga. St. U.L. Rev. 1 (2011).   RESEARCH REFERENCES   Am. Jur. 2d.   - 10 Am. Jur. 2d, Banks and Financial Institutions, § 108.   11 Am. Jur. 2d, Banks and Financial Institutions, §§ 1192, 1194.   C.J.S.   - 9 C.J.S., Banks and Banking, §§ 11 et seq., 137.
GA Code § 7-1-95 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 4 - Proceedings Involving the Department of Banking and Finance|§ 7-1-95. Admissibility of Department's Certificates and Copies

 Reserved. Repealed by Ga. L. 2011, p. 99, § 6/HB 24, effective January 1, 2013.   Editor's notes.   - This Code section was based on Ga. L. 1974, p. 705, § 1.   Ga. L. 2011, p. 99, § 101/HB 24, not codified by the General Assembly, provides that this Act shall apply to any motion made or hearing or trial commenced on or after January 1, 2013.   Ga. L. 2015, p. 5, § 7/HB 90, effective March 13, 2015, part of an Act to revise, modernize, and correct the Code, reserved the designation of this Code section.   Law reviews.   - For article on the 2011 repeal of this Code section, see 28 Ga. St. U.L. Rev. 1 (2011).
GA Code § 7-1-96 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 4 - Proceedings Involving the Department of Banking and Finance|§ 7-1-96. Liability on Bonds for Nonperformance of Duty

 Reserved. Repealed by Ga. L. 2016, p. 390, § 1-4/HB 811, effective July 1, 2016.   Editor's notes.   - This Code section was based on Ga. L. 1919, p. 135, art. 2, § 21; Code 1933, § 13-321; Code 1933, § 41A-407, enacted by Ga. L. 1974, p. 705, § 1.
GA Code § 7-1-97 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 4 - Proceedings Involving the Department of Banking and Finance|§ 7-1-97. Costs of Actions by or Against Department

 Reserved. Repealed by Ga. L. 2016, p. 390, § 1-4/HB 811, effective July 1, 2016.   Editor's notes.   - This Code section was based on Ga. L. 1919, p. 135, art. 2, § 22; Ga. L. 1931, p. 7, § 91; Code 1933, § 13-322; Code 1933, § 41A-408, enacted by Ga. L. 1974, p. 705, § 1.
GA Code § 7-1-98 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 4 - Proceedings Involving the Department of Banking and Finance|§ 7-1-98. Department of Law to Advise Department

 It shall be the duty of the Department of Law to advise the department on any question of law submitted by it.   (Ga. L. 1919, p. 135, art. 2, § 23; Ga. L. 1931, p. 7, § 91; Code 1933, § 13-323; Code 1933, § 41A-409, enacted by Ga. L. 1974, p. 705, § 1.)
GA Code § 7-1-99 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 4 - Proceedings Involving the Department of Banking and Finance|§ 7-1-99. Duties and Responsibilities of Department Regarding Interest and Usury Complaints; Advisory Opinions; Effect

  Except as provided in Chapter 3 of this title, as amended, and Chapter 22 of Title 33, as amended, the department is designated as the appropriate agency of this state to receive and investigate complaints or allegations regarding violations of the interest and usury laws of this state. In processing such matters, the department may refer complaints or allegations to other state or federal officials or agencies which have jurisdiction over the lender involved for investigation or other action.     The department, in consultation with the Department of Law, may render and publish advisory opinions for the assistance and guidance of financial institutions as defined in this chapter.   Reliance in good faith upon an opinion issued as provided in paragraph (1) of this subsection shall constitute prima-facie evidence of good faith on the part of any person charged with any violation, resulting from the reliance, which subjects him to forfeiture or other sanctions imposed by the interest and usury laws. The provisions of this paragraph shall apply even if, following the reliance, the opinion is amended, rescinded, or determined by any judicial or other authority to be invalid.      (Code 1933, § 41A-411, enacted by Ga. L. 1979, p. 951, § 1; Ga. L. 1989, p. 14, § 7.)   Law reviews.   - For article surveying 1979 legislative developments in commercial law, see 31 Mercer L. Rev. 13 (1979).   RESEARCH REFERENCES   ALR.    - Constitutionality, construction, and effect of statutes relating to inspection, dissolution and liquidation of building and loan associations, 78 A.L.R. 1090.   Usury in connection with loan calling for variable interest rate, 18 A.L.R.4th 1068.
GA Code § 7-1-110 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 5 - Permissive Closing Days, Emergency Closings, Business Restrictions, and Voluntary Liquidations|§ 7-1-110. Permissive Closing Days; Deferral of Business Conducted on Saturday

 Any financial institution may remain closed one day each week in addition to Sundays and other legal holidays; and any act authorized, required, or permitted to be performed at or by any such financial institution on a day when it is closed may be performed on the next succeeding business day; and no liability or loss of rights of any kind shall result from the delay. Saturday shall not be construed to be a business day and any business conducted on Saturday may be deferred to the next succeeding business day, provided that such deferral is applicable to all business conducted by said financial institution on that day and is in accordance with a resolution adopted by the board of directors of the institution. Customers of any financial institution adopting such a deferral policy shall be notified of any such deferral of business by prominent notice posted in the lobby of the financial institution and by circularization in regular statement mailings at least 30 days prior to the effective date of any such deferral policy. Any financial institution changing its permissive closing day, temporarily or otherwise, shall post a notice of the change and the effective date thereof in a conspicuous place at each location affected by the change at least 30 days preceding the date of the change. Notwithstanding the foregoing, credit unions serving a limited membership base may establish uniform business hours and days consistent with the needs of their membership.   (Code 1933, § 41A-501, enacted by Ga. L. 1978, p. 1714, § 2; Ga. L. 1983, p. 602, § 2; 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 that such deferral" for "provided such deferral" in the middle of the second sentence.   RESEARCH REFERENCES   C.J.S.   - 9 C.J.S., Banks and Banking, § 224.
GA Code § 7-1-110.1 (2021)
2021 Georgia Code|Title 7 - Banking and Finance|Chapter 1 - Financial Institutions|Article 1 - Provisions Applicable to Department of Banking and Finance and Financial Institutions Generally|Part 5 - Permissive Closing Days, Emergency Closings, Business Restrictions, and Voluntary Liquidations|§ 7-1-110.1. Posting Notice of Intent to Close Banking Location

 Except in the case of an emergency closing, before a financial institution may close a banking location, it must post at such location in a conspicuous place at least 30 days in advance of such closing a notice of intent to close. Such notice must remain posted for at least 30 consecutive days. Customers of a banking location shall be considered to have received notice if the requirements of this Code section have been met.    (Code 1981, §7-1-110.1, enacted by Ga. L. 1999, p. 674, § 1.)