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Rulings and AG Opinions

The publications in this section consist of various interpretations, rulings or opinions either issued by the Department or the State Attorney General (AG). 

Declaratory Rulings:

• Banks: "On us" Checks - Effect of Preemption of O.C.G.A. §§ 7-1-239.5 & 7-1-372
• Credit Unions: "On us" Checks - Effect of Preemption of O.C.G.A. §§ 7-1-239.5 & 7-1-372 
• Preemption of GAFLA by NCUA - Effect on State CUs
• Preemption of GAFLA by OCC - Effect on State Banks
• Real Estate Brokerage/Incidental Powers
• Petition - Real Estate Brokerage/Incidental Powers
• Monogram Credit Card Bank

AG Opinions of Interest:

• 2004-6: Credit Union Fields of Membership
• 2003-9: Overdraft Protection Plans
• 2003-8: Origination Fees on Loans < $3M
  2000-4: Municipality of 5,000