2025 Code of Georgia
Title 10 - Commerce and Trade (Chs. 1 — 15)
Chapter 1 - Selling and Other Trade Practices (Arts. 1 — 38)
Article 2 - Motor Vehicle Sales Financing (§§ 10-1-30 — 10-1-42)

Annotations

JUDICIAL DECISIONS

• General Consideration
• Federal Preemption

General Consideration Mobile homes. —

The sale of a mobile home comes within the provisions of Ga. L. 1967, p. 674, § 1. Holder v. Brock, 129 Ga. App. 732, 200 S. E.2d 912, 1973 Ga. App. LEXIS 1128 (1973), overruled in part, Tucker v. Chung Studio of Karate, Inc., 142 Ga. App. 818, 237 S. E.2d 223, 1977 Ga. App. LEXIS 1386 (1977); Smith v. Society Nat'l Bank, 141 Ga. App. 19, 232 S. E.2d 367, 1977 Ga. App. LEXIS 1738 (1977); Porter v. Midland-Guardian Co., 145 Ga. App. 262, 243 S. E.2d 595, 1978 Ga. App. LEXIS 1943, rev'd, 242 Ga. 1, 247 S. E.2d 743, 1978 Ga. LEXIS 1066 (1978).

Article not violated by acceleration clause. —

The mere presence of an acceleration clause is not violative of Ga. L. 1967, p. 674, § 1. Green v. Citizens & S. Bank, 153 Ga. App. 342, 265 S. E.2d 286, 1980 Ga. App. LEXIS 1798 (1980).

Documentary preparation fee as finance charge. —

A “documentary preparation” fee explicitly identified as such in an automobile finance contract and added to the unpaid balance of the purchase price as an “other charge” was not a finance charge since it was charged to all consumer purchasers (both cash and credit). Therefore, the contract complied with state and federal law. Ferris v. Chrysler Credit Corp., 764 F.2d 1475, 1985 U. S. App. LEXIS 30883 (11th Cir. 1985).

Contract’s choice of law provisions governs. —

Georgia law, rather than South Carolina law, governed a mobile home retail installment sales contract entered into by South Carolina buyers with a Georgia dealer since the contract contained a choice of law provision indicating that the contract should be construed in accordance with the laws of the state in which the seller’s place of business was located. Moyer v. Citicorp Homeowners, Inc., 799 F.2d 1445, 1986 U. S. App. LEXIS 30971 (11th Cir. 1986).

Federal Preemption Protection of federal preemption from state law interest ceilings. —

A mobile home financing contract which did not affirmatively misrepresent the debtor’s federal statutory guarantees satisfied the prerequisites for obtaining the protection of federal preemption from state law interest ceilings. Grant v. GECC, 764 F.2d 1404, 1985 U. S. App. LEXIS 26366 (11th Cir. 1985), cert. denied, 476 U. S. 1124, 106 S. Ct. 1993, 90 L. Ed. 2d 673, 1986 U. S. LEXIS 3167 (1986).

Contracts in compliance with regulations of Federal Home Loan Bank Board. —

Federal law preempted the application of O. C. G. A. Art. 2, Ch. 1, T. 10 to contracts which were made in compliance with regulations promulgated by the Federal Home Loan Bank Board. Moyer v. Citicorp Homeowners, Inc., 799 F.2d 1445, 1986 U. S. App. LEXIS 30971 (11th Cir. 1986).

Opinion Notes

OPINIONS OF THE ATTORNEY GENERAL Mobile homes. —

Mobile homes are included in the definition of motor vehicles contained in Ga. L. 1967, p. 674, § 2 and thereby subject to Ga. L. 1967, p. 659, § 1. 1967 Op. Att'y Gen. No. 67-410.

Research References & Practice Aids

Cross references.

Purchase and resale of motor vehicles and parts generally, § 40-4-1 et seq.

Used car dealers, § 43-47-1 et seq.

Law reviews.

For article discussing federal truth-in-lending provisions and their relation to state laws, see 6 Ga. St. B. J. 19 (1969).

For note discussing transfer fees in home loan assumptions in reference to the Georgia usury laws, see 9 Ga. L. Rev. 454 (1975).

For article discussing methods of computation of finance charges in Georgia consumer credit contracts, see 30 Mercer L. Rev. 281 (1978).

For article, “The Federalization and Privatization of Public Consumer Protection Law in the United States: Their Effect on Litigation and Enforcement,” see 24 Ga. St. U. L. Rev. 663 (2008).

RESEARCH REFERENCES Am. Jur. Proof of Facts. —

Proof of Statutory Unfair Business Practices, 36 POF3d 221.

ALR.

Civil rights and liabilities as affected by failure to comply with statute upon sale of motor vehicle, 63 A. L. R. 688; 94 A. L. R. 948.

Quantum, degree, or weight of evidence to sustain usury charge, 51 A. L. R.2d 1087.

Hierarchy Notes:

O. C. G. A. Title 10

O. C. G. A. Title 10, Ch. 1