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2025 Code of Georgia
Title 7 - Banking and Finance (Chs. 1 — 11)
Chapter 1 - Financial Institutions (Arts. 1 — 14)
Article 13 - Licensing of Mortgage Lenders and Mortgage Brokers (§§ 7-1-1000 — 7-1-1023)
Annotations
Research References & Practice Aids
Cross references.Real estate brokers’ license requirement, § 44-3-190.
Law reviews.For note on 1993 enactment of this article, see 10 Ga. St. U. L. Rev. 11 (1993).
For note on the 1994 amendments of Code Sections 7-1-1000 to 7-1-1006, 7-1-1008, 7-1-1010 to 7-1-1011, 7-1-1014, 7-1-1016 to 7-1-1018 and enactment of Code Section 7-1-1021 of this article, see 11 Ga. St. U. L. Rev. 41 (1994).
For comment, “Regulation X: A New Direction for the Regulation of Mortgage Servicers,” see 63 Emory L. J. 175 (2013).
For comment, “Amidst the Walking Dead: Judicial and Nonjudicial Approaches for Eradicating Zombie Mortgages,” see 65 Emory L. J. 795 (2016).
RESEARCH REFERENCES C.J.S.59 C. J. S., Mortgages, § 73 et seq.
Hierarchy Notes:O. C. G. A. Title 7
O. C. G. A. Title 7, Ch. 1
Universal Citation:
O.C.G.A. Title 7, Ch. 1, Art. 13
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- § 7-1-1000. [Effective July 1, 2026] Definitions
- § 7-1-1001. [Effective July 1, 2026] Exemption for certain persons and entities; registration requirements; authorized actions of licensed mortgage lenders; violations
- § 7-1-1001.1. Requirement for mortgage loan originator license; application to sellers of mobile homes
- § 7-1-1002. Prohibited transactions; liability
- § 7-1-1003. [Effective July 1, 2026] Requirements and procedure for licensure
- § 7-1-1003.1. [Reserved] Physical place of business
- § 7-1-1003.2. Financial requirements for licensing and registration; bond requirements
- § 7-1-1003.3. [Reserved] Application for registration
- § 7-1-1003.4. [Reserved] Notification statement
- § 7-1-1003.5. Use of Nationwide Multistate Licensing System and Registry
- § 7-1-1003.6. Privileged or confidential nature of information; exception
- § 7-1-1003.7. Approval of mortgage industry related courses; application; renewal applications; audits
- § 7-1-1004. [Effective July 1, 2026] Investigation of applicant; requirements for applicant; denial and revocation of license
- § 7-1-1004.1. Reports of condition
- § 7-1-1004.2. Licensees’ ability to challenge information
- § 7-1-1004.3. Visibility requirement for unique identifier of individuals originating residential mortgage loan
- § 7-1-1005. Renewal of licenses; expiration
- § 7-1-1006. Names of licensees; license nontransferable; posting, notification, and location requirements
- § 7-1-1007. Notification requirements
- § 7-1-1008. [Effective July 1, 2026] Prohibited acquisitions of shares without prior approval
- § 7-1-1009. Record keeping; investigations and examinations; exemptions from civil liability
- § 7-1-1010. Annual financial statements
- § 7-1-1011. [Effective July 1, 2026] Annual fees
- § 7-1-1012. Rules and regulations
- § 7-1-1013. Prohibition of certain acts
- § 7-1-1014. Regulations governing disclosure required to applicants for mortgage loans
- § 7-1-1015. Rules relative to escrow accounts
- § 7-1-1016. Regulations relative to advertising
- § 7-1-1017. Suspension or revocation of licenses or mortgage broker education approval; notice; judicial review; effect on preexisting contract
- § 7-1-1018. Cease and desist orders; enforcement procedure; civil penalty; fines
- § 7-1-1019. Criminal penalties
- § 7-1-1020. Construction
- § 7-1-1021. Regulations governing lock-in and commitment agreements
- § 7-1-1022. Captial, net worth, and liquidity requirements
- § 7-1-1023. Board of directors; alternatives; responsibilities; audits; risk assessment
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