Laws and Regulations
This section of the Department's website provides links to various Georgia Laws and Department Rules and Regulations governing institutions/licensees under the regulatory authority of the Department.
Since establishment of the Department in 1919, additional responsibilities, beyond bank supervision and regulation, have been assigned to the agency in the form of the Georgia Credit Union Act (1925); Trust Company Laws of Georgia (1927); Georgia Sale of Checks Act (1965); The Fiduciary Investment Company Act (1970); International Bank Agency Act (1972); Georgia Business Development Corporation Act (1972); Regulation of Check Cashers (1990); and the Georgia Residential Mortgage Act (1993). The Georgia Fair Lending Act (GAFLA) was signed into law on April 22, 2002 and became effective on October 1, 2002, and was subsequently amended effective March 7, 2003. This law has a significant impact on Georgia residential mortgage lending and brokering activities.
The Department continues to make changes to the Code to streamline the application process, reduce regulatory burden on regulated entities, and coordinate its procedures with federal requirements.
Order now! Get your complete, searchable copy of the Georgia Banking Laws & Commercial Code Book
No bank or legal library is complete without its own, comprehensive and up-to-date copy of Georgia’s banking laws, especially in today’s environment.
The Georgia Bankers Association (GBA), working with the Department of Banking and Finance, is the official source for printed copies and searchable CDs of the Georgia Banking Laws and Commercial Code Book published by LexisNexis. The book contains the current version available of the state’s banking laws, rules of the Banking Department and the Uniform Commercial Code.
There will not be an updated version published until November 2008. The GBA has a limited number of the 2007 version available. Get your copy now at a discounted rate of $190 (normally $310 for GBA Members).
Members may order online by clicking here. Non-members must click here to order your copy. Please email GBA’s Kenyetta
During the 2008-2009 legislative session, the Georgia General Assembly adopted several pieces of legislation that will affect
Other Useful Links (Federal Laws & Regulations):
FDIC Laws, Regulations and Related Acts
NCUA Laws, Regulations, and Legal Opinions
Code of Federal Regulations (CFR)
2008 DBF Proposed Rulemaking: 6-30-2008
The Georgia Department of Banking and Finance hereby gives notice of its intent to adopt new and amended rules. A synopsis and purpose precedes each proposed rule change, with background information and explanation where applicable. Comments to the Department of Banking and Finance must be received by July 31, 2008, no later than 4:30 p.m.
DBF Final Rules: Adopted 11-19-2007
These rules have been finally adopted on November 19, 2007. They were filed with the Secretary of State on November 20, 2007, and will be effective 20 days following or December 10, 2007.
DBF Final Rules: Adopted 8-14-2007
The following Rules of the Department of Banking and Finance became effective September 5, 2007.
DBF Policy Statement - Definition of "agents"
Based upon questions recently received in response to the Department of Banking and Finance (Department) Final Regulations adopted August 14, 2007, this Policy Statement provides a Department definition for the term “agents” for purposes of Rule 80-3-1-.07(2)(e).