There Is a Newer Version of the Georgia Code
2010 Georgia Code
TITLE 7 - BANKING AND FINANCE
CHAPTER 4 - INTEREST AND USURY
ARTICLE 1 - IN GENERAL
- § 7-4-1 - "Usury" defined
- § 7-4-2 - Legal rate of interest; maximum rate of interest generally
- § 7-4-3 - Finance charge on retail installment contracts for manufactured homes and motor vehicles subject to federal law; stating of federal provisions in contract
- § 7-4-3.1 - Maximum interest rate on loans by insured financial institutions
- § 7-4-4 - Advertisement of rates of interest or finance charge
- § 7-4-5 - Failure to include federal loan act provisions in retail installment loan; violating advertising restrictions
- § 7-4-6 - No limit on interest rate payable by profit corporations or persons on nonconsumer loans in excess of $3,000.00
- § 7-4-7 - No limit on interest rate on loans of $100,000.00 or more
- § 7-4-8 - Commission to third person does not make lawful interest usurious
- § 7-4-9 - Back interest may be stipulated in contract and recovered
- § 7-4-10 - Usury forfeits entire interest; right of setoff; how forfeiture discharged; when time bars action or defense
- § 7-4-11 - Usury is personal defense; no collection from insolvent to prejudice of others
- § 7-4-12 - Interest on judgments
- § 7-4-12.1 - Interest on arrearage on child support
- § 7-4-13 - Law of place of contract governs interest unless otherwise provided
- § 7-4-14 - Interest runs from default unless otherwise agreed; when demand necessary
- § 7-4-15 - When interest runs on liquidated demands; promissory notes payable on demand
- § 7-4-16 - When interest runs on commercial accounts; maximum interest rate on commercial accounts
- § 7-4-17 - Payment applied first to interest; no interest on unpaid interest; exceptions
- § 7-4-17.1 - Refunds from loans on which interest is calculated under the add-on interest method and which are paid off prior to maturity
- § 7-4-18 - Criminal penalty for excessive interest
- § 7-4-19 - Civil action to enforce chapter
- § 7-4-20 - Election to forgo application of federal usury laws
- § 7-4-21 - Class action barred on claims for violation of interest laws on loans secured by real estate
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