Rulings and AG Opinions

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

Declaratory Rulings or Orders:

• Banks: Overdraft Fees Imposed in Connection with Deposit Accounts  (PDF, 4.6 MB)
• Banks: Preemption of GAFLA by OCC - Effect on State Banks  (PDF, 36.74 KB)
• Credit Unions: Split Dollar Life Insurance Plans  (PDF, 351.63 KB)
• Credit Unions: Overdraft Fees Imposed in Connection with Deposit Accounts  (PDF, 4.84 MB)
• Credit Unions: Preemption of GAFLA by NCUA  (PDF, 320.04 KB)
• Real Estate Brokerage as an Incidental Power  (PDF, 206.33 KB)

Select Opinions from the Attorney General:

• 2004-6: Field of Membership for Credit Unions Existing Prior to 1975  (PDF, 132.78 KB)
• 2003-8: Origination Fees on Loans of $3,000 or Less  (PDF, 113.54 KB)
• 1979-12: Banks and Political Subdivisions Responsible for Ensuring Protection of Public Funds  (PDF, 334.65 KB)
• 1974-41: Public Funds Must be Deposited in Banks  (PDF, 100.49 KB)