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Mortgage Laws and Rules

Below you will find links to the Georgia Residential Mortgage Act (GRMA), the Department's Rules and Regulations governing residential mortgage lending in Georgia, and the Georgia Fair Lending Act (GAFLA). 

 

Georgia Residential Mortgage Act (GRMA):

This document is available in Word or PDF format.

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Georgia Residential Mortgage Act233 KB
Georgia Residential Mortgage Act243.76 KB

October 8, 2012
Department's Mortgage-Related Rules:

This document is available in Word or PDF format.

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Mortgage Rules211 KB
Mortgage Rules182.11 KB

Georgia Fair Lending Act (GAFLA):
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Georgia Fair Lending Act (GAFLA)73.87 KB

 

Georgia Fair Lending Act Resources

The Georgia Fair Lending Act (GAFLA) was originally signed into law on April 22, 2002, became effective on October 1, 2002, and was subsequently amended on March 7, 2003.  This law has a significant impact on Georgia residential mortgage lending and brokering activities.

Georgia Residential Mortgage Fraud Act

The Georgia Residential Mortgage Fraud Act (O.C.G.A. § 16-8-100 et seq.) authorizes the Attorney General and district attorneys to prosecute cases of residential mortgage fraud.

 

2011 DBF Final Rulemaking: 8-1-2011

These Rules of the Department of Banking and Finance have been finally adopted on August 1, 2011. They were filed with the Secretary of State on August 2, 2011, and will be effective 20 days following or August 22, 2011.

2010 DBF Final Rulemaking: 11-2-2010

These Rules of the Department of Banking and Finance have been finally adopted on November 2, 2010. They were filed with the Secretary of State on November 2, 2010, and became effective 20 days following or November 22, 2010.