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 Preemption of GAFLA by OCC - Effect on State Banks Real Estate Brokerage/Incidental Powers Petition - Real Estate Brokerage/Incidental Powers AG Opinions of Interest: 2003-9: Overdraft Protection Plans 2003-8: Origination Fees on Loans < $3M 2000-4: Municipality of 5,000
