March 29, 2024

Georgia General Assembly Adjourns Sine Die

The 2023-2024 biennial of the Georgia General Assembly adjourned well after midnight on March 29. Final gavels did not fall until nearly 1 a.m., and GBA's advocacy team was there until the last pieces of Sine Die confetti thrown by House and Senate members hit the floor. Lawmakers approved a record $36.1-billion budget for the coming fiscal year, along with some other key pieces of legislation relevant to the banking industry. Congratulations to House Speaker Jon Burns (R-Newington) and Lt. Gov. Burt Jones (R-Jackson) for their leadership in ensuring all members' voices were heard and the Legislature operated smoothly. And, special thanks to all the legislative committee chairs and individual members who spent time hearing our issues and perfecting legislation before it reached the floor. Next year will begin a new two-year biennial, the 158th General Assembly session. We will see a few new faces around the Capitol following the elections in November and a fresh slate of issues and ideas for lawmakers to consider. The GBA pledges to stay engaged with all our Georgia elected officials throughout the year, so please let us know what is on your mind and if you have any questions or feedback.
House Speaker Jon Burns
Lt. Gov. Burt Jones

Congratulations to Banking Committee Chairs

Our thanks to two of Cordele, GA's finest for a sucessful legislative biennial leading the two Banking Commitees in the General Assembly. House Banks & Banking Chairman Rep. Noel Williams (R-Cordele) and Senate Banking and Financial Institutions Chairman Sen. Carden Summers (R-Cordele) have both done a fine job at the helm of their respective committees. We appreciate their willingness to listen to our members' ideas and concerns and work with the GBA Advocacy team to help move the banking industry forward.
Rep. Noel Williams
Sen. Carden Summers

Key Banking-Related Bills that Received Final Action


Banking Department Housekeeping Bill. HB 876 by Rep. Bruce Williamson (R-Monroe) is the annual update to the language within Title 7 of the Official Code of Georgia related to all the entities regulated by the Georgia Department of Banking and Finance. Of interest to bankers are the provisions in this year's bill related to bank formation, filings with the Secretary of State, the definition of subsidiaries, and updates to the Merchant Acquirer Limited Purpose Bank charter. The Senate sponsor was Sen. John Kennedy (R-Macon).
Central Bank Digital Currency. HB 1053 by Rep. Carter Barrett (R-Cumming) prohibits state government agencies from accepting a central bank digital currency as payment. The Senate sponsor was Sen. Greg Dolezal (R-Cumming).
Covid Liability Signs. SB 430 by Sen. Greg Dolezal (R-Cumming) repeals the requirement for businesses to post COVID liability warnings. The House sponsor was Rep. Carter Barrett (R-Cumming).
Rep. Bruce Williamson
Sen. John Kennedy
Rep. Carter Barrett
Sen. Greg Dolezal
C-PACE. HB 206 by Rep. Steven Sainz (R-St. Marys) provides for the creation of Commercial Property Assessed Conservation, Energy, and Resiliency projects to be considered by development authorities in counties and municipalities that have adopted implementing ordinances. The Senate sponsor was Sen. Frank Ginn (R-Danielsville).
Elder Abuse Task Force. HB 1123 by Rep. Carter Barrett (R-Cumming) requires the establishment of an Adult Abuse, Neglect, and Exploitation Multidisciplinary Team in each judicial circuit of the state. The bill also creates an elder justice coalition for the State of Georgia, which will include a GBA representative. The Senate sponsor was Sen. John Kennedy (R-Macon).
False Deeds. HB 1292 by Rep. Gabe Okoye (D-Lawrenceville) is intended to combat fraudulent real property deed transfers. Various changes were made to the original bill. The substitute bill places greater restrictions and requirements on "self-filers" of deeds or other instruments and makes some changes to the notarization requirements for deeds. The Senate sponsor was Sen. Russ Goodman (R-Cogdell).
Rep. Steven Sainz
Sen. Frank Ginn
Rep. Gabe Okoye
Sen. Russ Goodman
Georgia Firearms Industry Nondiscrimination Act. HB 1018 by Rep. Jason Ridley (R-Chatsworth) prohibits financial institutions from requiring the use of a firearms code for purchases that distinguishes firearms retailers from other sporting goods retailers, prohibits discrimination against firearms retailers by financial institutions through the use of a firearms code, prohibits the disclosure of certain financial records by financial institutions, provides for petitions to the Attorney General to investigate alleged violations and prohibits persons or government entities from keeping registries of firearms or owners of firearms. The Senate sponsor was Sen. Carden Summers (R-Cordele).
Homestead Exemption. HB 1019 by Rep. Matt Reeves (R-Duluth). The original bill would have doubled the state homestead exemption from $2,000 to $4,000. The bill passed the Senate by substitute, which raised the exemption to $10,000. The Senate sponsor was Sen. Billy Hickman (R-Statesboro).
Rep. Jason Ridley
Rep. Matt Reeves
Sen. Billy Hickman
Interchange. HR 1135 by Rep. Todd Jones (R-South Forsyth) creates the House Study Committee on Credit Card Fees on State Sales and Excise Tax and Their Impact on Georgia Merchants and Consumers. The resolution passed the House, which was the final action needed to authorize the study committee.
Land Ownership/Transfer on Death Deeds. SB 420 by Sen. Jason Anavitarte (R-Dallas) prohibits the acquisition of possessory interest in certain land by certain foreign persons and entities. Language from HB 1247 by Rep. Rob Leverett (R-Elberton) was added, which provides for transfer-on-death deeds, the execution and recording of such deeds and necessary forms. The House sponsor was Rep. Clay Pirkle (R-Ashburn).
Rep. Todd Jones
Sen. Jason Anavitarte
Rep. Rob Leverett
Rep. Clay Pirkle
State Retirement Fund Investing - Social Political Ideological. HB 481 by Rep. John Carson (R-Marietta) requires those who invest state retirement assets to take into account only fund historical, current and potential future returns and not subordinate the interests of the participants and their beneficiaries or sacrifice investment returns or accept increased investment risks in the promotion of any non-pecuniary interests. Such non-pecuniary interests shall include, but not be limited to, the furtherance of any social, political, or ideological interests. The Senate sponsor was Sen. Marty Harbin (R-Tyrone).
Tax Credit – Carry Forward. HB 1181 by Rep. Chuck Martin (R-Alpharetta) limits the carry-forward periods of certain income tax credits, including the income tax credit applicable to Sub S banks and their shareholders. The Senate sponsor was Sen. John Albers (R-Roswell).
Uniform Commercial Code. HB 1240 by Rep. Matt Reeves (R-Duluth) updates and modernizes various statutes in the commercial code relating to commercial transactions to maintain uniformity in Georgia's statutes governing commercial transactions as recommended by the National Conference of Commissioners on Uniform State Laws. The update includes the establishment of commercial law for transactions involving digital assets. At GBA's request, the bill was amended in committee to clarify the updates do not encourage or promote the adoption of a national digital currency. The Senate sponsor was Sen. John Kennedy (R-Macon).
Wills, Trusts & Estates. SB 450 by Sen. John Kennedy (R-Macon) relates to appeal and error, courts, property, wills, trusts, and administration of estates, respectively, to clarify that neither a superior court nor a state court shall have appellate jurisdiction pursuant to Chapter 3 of Title 5 over any non-appealable order of a probate court and other related matters. The House sponsor was Rep. Rob Leverett (R-Elberton).
Rep. John Carson
Sen. Marty Harbin
Rep. Chuck Martin
Sen. John Albers

GBA Monitored Bills Receiving Final Passage


Administrative Hearing Officers. HB 563 by Rep. Rob Leverett (R-Elberton) amends the Fair Employment Practices Act, making several changes to appointing administrative hearing officers who appear before the administrative law judges. The Senate sponsor was Sen. Jason Anavitarte (R-Dallas).
A.I. Study Committee. SR 476 by Sen. John Albers (R-Roswell) creates a study committee on Artificial Intelligence and its utilization in fields such as financial services, healthcare, education, housing and transportation.
Ad Valorem Tax. HB 808 by Rep. Mike Cheokas (R-Americus) increases the statewide ad valorem tax exemption for tangible personal property from $7,500 to $20,000. The Senate sponsor was Sen. John Albers (R-Roswell).
Business and Occupation Tax – Regulatory Fees. HB 461 by Rep. Brad Thomas (R-Holly Springs) relates to general provisions regarding specific, business, and occupation taxes to require that the proceeds of local government regulatory fees be used to pay for regulatory activity and not general operations and removes certain provisions authorizing calculation of regulatory fees for renovation and other construction projects and provide for refunds in certain circumstances. The Senate sponsor was Sen. Billy Hickman (R-Statesboro).
Code Revision. SB 448 by Sen. Bo Hatchett (R-Cornelia) is the Georgia Code Revision Commission's annual bill recommending non-substantive changes to the Georgia code. There are several changes to Title 7, which deals with banking and finance. The House sponsor was Rep. Bill Yearta (R-Sylvester).
Rep. Mike Cheokas
Rep. Brad Thomas
Sen. Bo Hatchett
Rep. Bill Yearta
Corporate Income Tax Parity. HB 1023 by Rep. Bruce Williamson (R-Monroe) aims to reduce the state's flat corporate income tax rate from 5.75% to match the personal income tax rate. The Senate sponsor was Sen. Chuck Hufstetler (R-Rome).
Data Gathering for Tort Reform. HB 1114 by Rep. Will Wade (R-Dawsonville) authorizes data collection by the Office of Commissioner of Insurance and Safety Fire for future tort reform legislation. The Senate sponsor was Sen. John Kennedy (R-Macon).
Development Impact Fees. SB 208 by Sen. Greg Dolezal (R-Cumming) provides for development impact fees for education to be approved by local boards of education of a high-growth school system to pay for a share of the cost of additional educational facilities. SR 189 is the companion resolution, calling for a constitutional amendment to authorize development impact fees for education. The House sponsor is Rep. Todd Jones (R-South Forsyth).
Electronic Notifications. HB 1100 by Rep. Kimberly New (R-Villa Rica) authorizes electronic notifications and communications by the Department of Motor Vehicles to motor vehicle owners. The Senate sponsor was Sen. John Albers (R-Roswell).
Georgia Higher Education Assistance Corporation. HB 985 by Rep. Chuck Martin (R-Alpharetta) abolishes the Georgia Higher Education Assistance Corporation. The Senate sponsor was Sen. Max Burns (R-Sylvania).
Sen. Chuck Hufstetler
Rep. Will Wade
Rep. Kimberly New
Sen. Max Burns
Hemp. SB 494 by Sen. Sam Watson (R-Moultrie) relates to the Georgia Hemp Farming Act to regulate hemp products. The bill prohibits persons from performing certain activities without licenses and revises disqualifications for hemp grower licenses, processor permits, and other provisions. Language from HB 1322 by Rep. Chas Cannon (R-Moultrie), which regulates consumable hemp products, provides for the establishment of delta-9-THC concentration, requires such products be packaged in certain containers and outlines other restrictions was added in the House Rules Committee. The House sponsor was Rep. Cannon.
Insurance Discount – Windstorm Events. HB 279 by Rep. Matthew Gambill (R-Cartersville) provides for an insurance premium discount or rate reduction for property owners who build a new residential or commercial property or who retrofit an existing residential or commercial property that better resists tornado, hurricane, or other catastrophic windstorm events. The Senate sponsor was Sen. Randy Robertson (R-Cataula).
Sen. Sam Watson
Rep. Chas Cannon
Rep. Matthew Gambill
Sen. Randy Robertson
Landlord Tenant. HB 404 by Rep. Kasey Carpenter (R-Dalton) provides for a duty of habitability for certain rental agreements, notice, maximum security deposit amounts, and expedited evictions for certain criminal activity. The Senate sponsor was Sen. Chuck Hufstetler (R-Rome).
Online Marketplace. SB 472 by Sen. John Albers (R-Roswell) revises certain definitions for third-party sellers that use online marketplaces. The House sponsor was Rep. Houston Gaines (R-Athens).
Personal Privacy. SB 414 by Sen. John Kennedy (R-Macon) prohibits nonprofit organizations from releasing personal information to public agencies. The House sponsor was Rep. Matt Reeves (R-Duluth).
Property Owners' Associations. HB 220 by Rep. Rob Leverett (R-Elberton) provides for means of enforcement of condominium and property owners' association instruments, rules, and regulations and for compliance with, and means of enforcement of, covenants and instruments for certain planned subdivisions. The Senate sponsor was Sen. Brian Strickland (R-McDonough).
Rep. Kasey Carpenter
Rep. Houston Gaines
Sen. Brian Strickland
Squatters. HB 1017 by Rep. Devan Seabaugh (R-Marietta) provides for the offense of unlawful squatting violations where a person enters a land or premises for purposes of residing on such land or premises. The Senate sponsor was Sen. Ed Setzler (R-Acworth).
Tax Code. HB 1162 by Rep. David Knight (R-Griffin) is the annual bill incorporating various new provisions in the federal tax code into the Georgia tax code. The Senate sponsor was Sen. Billy Hickman (R-Statesboro).
Tax Credit – Analysis. HB 581 by Rep. Shaw Blackmon (R-Bonaire) requires the Department of Audits and Accounts to analyze a prioritized list of various tax credits annually. The Senate sponsor was Sen. Chuck Hufstetler (R-Rome).
Rep. Devan Seabaugh
Sen. Ed Setzler
Rep. David Knight
Rep. Shaw Blackmon
Tax Credit - High-Technology Data Centers. HB 1192 by Rep. John Carson (R-Marietta) prohibits the Commissioner of the Department of Revenue from issuing any new sales tax exemptions for certain high-technology data center equipment from July 1, 2024, through June 30, 2026, except for any high-technology data center customer that is subject to an ongoing contract entered into before July 1, 2024, with a high-technology data center that has applied for an exemption before July 1, 2024. The Senate sponsor was Sen. John Albers (R-Roswell).
Tax Credits – Rural Physician. HB 82 by Rep. Mack Jackson (D-Sandersville) limits eligibility for the existing rural physician tax credit to persons qualifying as a rural physician on or before May 15, 2024. The bill creates a new tax credit for rural physicians, dentists, nurse practitioners, and physician assistants. The Senate sponsor was Sen. Max Burns (R-Sylvania).
Telephone Solicitations. SB 73 by Sen. Blake Tillery (R-Vidalia) provides for class action suits and damages against certain persons and entities for violating provisions relating to telephone solicitations. The House sponsor was Rep. Tyler Paul Smith (R-Bremen).
Rep. Mack Jackson
Sen. Blake Tillery
Rep. Tyler Paul Smith

GBA Monitored Bills with No Final Action

Access to Services. HB 1205 by Rep. Todd Jones (R-South Forsyth) requires certain financial institutions, card networks, processors and others to produce requested statements of specific reasons for the denial, restriction, or termination of services. The bill was assigned to the House Banks & Banking Committee, but no further action was taken.
Ad Valorem Tax. SB 349 by Sen. Chuck Hufstetler (R-Rome) originally would revise provisions related to the setting of millage rates. The original language was replaced in the House Rules Committee with language related to a tax credit overhaul for the film and entertainment industry and language from HB 1182 by Rep. Clint Crowe (R-Jackson) related to low income housing tax credits and project financing. The bill passed the House by substitute, but was not called back up in the Senate for agreement. The House sponsor was Rep. Shaw Blackmon (R-Bonaire).
Affordable Housing. HR 1418 by Rep. Phil Olaleye (D-Atlanta) creates a House Study Committee on the Use of Local Fees to Support Affordable Housing. The resolution was reported by the House Governmental Affairs Committee, but no further action was taken.
Appraisals. HR 1041 by Rep. Dale Washburn (R-Macon) provides that the governing authority of any county or consolidated government shall be authorized to adopt an alternative method of appraisal and assessment of real property located within such county for taxation. The resolution was reported by House Ways & Means Committee, but no further action was taken.
Bankruptcy Exemptions. HB 628 by Rep. Matt Reeves (R-Duluth) relates to exemptions for purposes of bankruptcy and intestate insolvent estates to raise the exemptions for a debtor's aggregate interest in real property or personal property that the debtor or a dependent of the debtor uses as a residence, in a cooperative that owns property that the debtor or a dependent of the debtor uses as a residence, or in a burial plot. The exemptions would be raised from $21,500 to $35,000 for individuals and $43,000 to $60,000 for property held by two spouses. The bill was reported by the House Rules Committee, but no further action was taken.
Rep. Clint Crowe
Rep. Phil Olaleye
Rep. Dale Washburn
Criminal Records Sealing. HB 909 by Rep. Leesa Hagan (R-Lyons) provides for the restriction and seal of First Offender Act sentences until such status is revoked. GBA helped with an amendment to the bill in the Senate to ensure that financial institutions are not restricted from access to information that the bill would otherwise restrict. The Senate sponsor was Sen. Harold Jones (D-Augusta). The language from HB 909 was added to SB 512 by Sen. Shawn Still (R-Norcross), which passed the House but was not called up for agreement in the Senate on the last day of the session.
Dispute Financing. HB 1244 by Rep. Todd Jones (R-South Forsyth) establishes dispute financing provisions including conflicts of interest in certain circumstances, financier limitations, disclosures with certain foreign entities and for other purposes. The bill was heard in the House Judiciary Committee. A "do not pass" motion was successful, so the bill did not advance.
Rep. Leesa Hagan
Sen. Harold Jones
Sen. Shawn Still
Electronic Signatures. HB 1206 by Rep. Eddie Lumsden (R-Armuchee) provides that failure of a business or entity to provide or offer to provide a written copy of any form which a consumer or client executes via electronic signature is declared to be unlawful as an unfair or deceptive practice. The bill was reported by the House Agriculture & Consumer Affairs Committee, but no further action was taken.
Foreign Land Ownership/Surface Mining Moratorium. SB 132 by Sen. Brandon Beach (R-Alpharetta) originally would have prohibited the acquisition of possessory interest in certain land by nonresident aliens from a country designated as a "Country of Particular Concern'' by the U. S. Secretary of State. That language was replaced in the House Rules Committee with language providing for a three-year moratorium on the issuance of new EPA permits for dragline mining near the Okefenokee Swamp. The bill passed the House by substitute, but no further action was taken in the Senate. The House sponsor was Rep. David Clark (R-Buford).
Housing Zoning and Permitting. HB 514 by Rep. Dale Washburn (R-Macon) relates to zoning procedures to provide for the length and renewal of moratoriums related to zoning decisions, procedures for the levy, collection, use, and waiver of fees related to zoning decisions and related permits, and revise notice and hearing requirements for certain zoning decisions. A Conference Committee was appointed; however, the Conference Report was not adopted. The Senate sponsor was Sen. Mike Dugan (R-Carrolton), who resigned prior to the 2024 session.
Rep. Eddie Lumsden
Sen. Branch Beach
Rep. David Clark
Sen. Mike Dugan
Innkeepers/Exact Change. SB 534 by Sen. Derek Mallow (D-Savannah) amends the Fair Business Practices Act so that the failure of a marketplace innkeeper to provide a consumer with an itemized receipt detailing certain taxes and fees is an unlawful business practice. Language from HB 1101 by Rep. Mesha Mainor (R-Atlanta), that requires some merchants to provide store credit to a customer paying with cash when they are unable to provide exact change was added. The bill was reported by the House Agriculture & Consumer Affairs Committee, but did not receive final passage. The House sponsor was Rep. Mainor.
Interchange. SR 677 by Sen. Clint Dixon (R-Gwinnett) would create a Senate Study Committee identical to the House Study Committee in HR 1135 by Rep. Todd Jones (R-South Forsyth). The resolution was assigned to the Senate Special Rules Committee, but no further action was taken.
Notaries Public. SB 425 by Sen. Blake Tillery (R-Vidalia) provides for electronic notarization of certain notarial acts using real-time audio-video communication technology, including real estate closing for property in Georgia under certain conditions. GBA was concerned with included language relating to the Unauthorized Practice of Law, which would have imposed strict statutory obligations on closing attorneys, witnesses and notaries for commercial and residential real estate closings and considerable fines and penalties for any violations. The bill was not called on the final day of the session. The House sponsor was Rep. Matt Reeves (R-Duluth).
Notary Public. HB 1075 by Rep. Scott Hilton (R-Peachtree Corners) provides that state agencies shall accept notarial acts, including electronic notarizations, performed in other states when the manner of notarization is authorized in that state. The bill was reported by the Senate Judiciary Committee, but no further action was taken. The Senate sponsor was Sen. Ed Setzler (R-Acworth).
Sen. Derek Mallow
Rep. Mesha Mainor
Sen. Clint Dixon
Rep. Scott Hilton
Personal Data Privacy. SB 473 by Sen. John Albers (R-Roswell) is intended to protect the privacy of consumers' personal data. The bill included a GBA-requested GLBA exemption that was in the original bill, but subsequently deleted as the bill was being amended along the way. The House sponsor was Rep. Brad Thomas (R-Holly Springs). We also saw identical language from SB 473 inserted to replace the original language contained in HB 498 by Rep. Danny Mathis (R-Cochran), however neither bill recieved final action. The Senate sponsor was Sen. Rick Williams (R-Milledgeville).
Regional Commissions. HB 1253 by Rep. Victor Anderson (R-Clarkesville) revises the composition of the governing council for regional commissions, provides for the training of members thereof, terms of office, filling of vacancies, and appointment of successors. The bill passed the Senate by substitute, but was not called up for agreement in the House. The Senate sponsor was Sen. Lee Anderson (R-Grovetown).
 
Small Business Protection. SB 429 by Sen. Greg Dolezal (R-Cumming) allows for the Governor, Lieutenant Governor or any member of the Legislature to request a small business impact analysis from the Office of Planning and Budget and the Department of Audits for any bill introduced during a legislative session. The House sponsor was Rep. Todd Jones (R-South Forsyth).
 
Squatters. HB 1153 by Rep. Todd Jones (R-South Forsyth) allows any person who owns property to file a written affidavit with the clerk of the superior court of the county where such property resides stating the intention to not subject such property to rental agreement. The bill was reported by the House Judiciary Committee, but no further action was taken.
Rep. Danny Mathis
Sen. Rick Williams
Rep. Victor Anderson
Sen. Lee Anderson
Tax Credit – Historic Structures. HB 1197 by Rep. Penny Houston (R-Nashville) expands revitalization zone tax credits to include rehabilitation of historic residential structures. The bill was heard by the Senate Finance Committee. No further action was taken.
Tax Credit – Low Income Housing. HB 1182 by Rep. Clint Crowe (R-Jackson) provides that low income housing tax credits shall be called Georgia affordable housing tax credits, reduces the amount of these credits available for certain projects, authorizes the credits in an amount equal to the federal credit for other projects and reduces the number of counties that would be eligible for these projects, but only 50% of the federal credit for other projects. Language from the bill was added to SB 349 by Sen. Chuck Hufstetler (R-Rome), but no further action was taken. The Senate sponsor was Sen. Hufstetler.
Tax Credit – Rural Hospitals. HB 101 by Rep. Clint Crowe (R-Jackson) revises eligibility requirements for contributions made to a rural hospital organization for tax credit. Language from other bills relating to ad valorem taxation on historic properties and a two-year suspension of tax exemptions for high-technology data centers were added in the Senate Finance Committee. The bill was never called up on the final day of the session in the Senate. The Senate sponsor was Sen. Chuck Hufstetler (R-Rome).
Temporary Loans for Local Governments. HR 804 by Rep. Chuck Martin (R-Alpharetta) changes the date by which temporary loans for counties, municipalities, and other political subdivisions of the state are payable in full, from the end of the calendar year to within 12 months of the initial funding date of the loans. The resolution passed the House and was reported by the Senate Finance Committee. No further action was taken.
Timber – Ad Valorem Tax Reduction. The original resolution SR 82, by Sen. Carden Summers (R-Cordele) proposed an amendment to the State Constitution to authorize the tax commissioner, subject to local governing authority approval, to waive certain delinquent ad valorem property taxes, penalties, and interest to place non-revenue generating and tax delinquent property back to utilization status. That language was replaced in the House Ways & Means Committee with language from HR 96 by Rep. Noel Williams (R-Cordele), which proposed a Constitutional Amendment to provide for a reduction in the rate of the ad valorem tax assessment of timber at sale or harvest. The resolution passed the House; however, on a tie vote, the Senate did not agree to the House substitute and the resolution failed. The Senate sponsor was Sen. Blake Tillery (R-Vidalia).
Title Pawn for Military Personnel. SB 451 by Rep. Nabilah Islam-Parkes (D-Duluth). The original bill would have created a voluntary low-interest loan program for financial institutions to assist veterans, to be overseen and administered by The Department of Banking and Finance and the Department of Veterans Affairs. GBA testified before the Senate Banking and Financial Institutions Committee letting Senators know that while the underlying intent of the legislation was positive, operationally, it was too complicated to implement. At a subsequent meeting of the committee, the entire language was stripped and new language was added that established standards, restrictions, and disclosure requirements applicable to any parties providing compensation and assistance to veterans in applying for benefits and/or applying for increased benefits. That version passed the Senate. All that language was then replaced with new language prohibiting pawnbrokers from making title pawns to active-duty military personnel. That version was reported by the House Defense and Veterans Affairs Committee, but no further action was taken. The House sponsor was Rep. Josh Bonner (R-Fayetteville).
Rep. Penny Houston
Rep. Nabilah Islam-Parkes
Rep. Josh Bonner
Torts. HB 1371 by Rep. James Burchett (R-Waycross) relates to the liability of owners and occupiers of land regarding third-party criminal activity and civil cause of action arising from criminal activity. The bill was reported by committee substitute by the Senate Judiciary Committee, but no further action was taken. The Senate sponsor was Sen. Brian Strickland (R-McDonough).
Trigger Leads. HB 1040 by Rep. Scott Hilton (R-Peachtree Corners) prohibits unfair or deceptive practices in consumer transactions related to mortgage trigger leads sold by credit reporting agencies. These leads contain contact details of individuals applying for credit, gathered when their credit reports are pulled. The bill was reported by the Senate Banking and Financial Institutions Committee, but no further action was taken. The Senate sponsor was Sen. Mike Hodges (R-Brunswick).
Virtual Currency Mining. HB 1043 by Rep. Scott Hilton (R-Peachtree Corners) provides protections relating to the generation and use of virtual currency. The bill was heard in the House Banks & Banking Committee, but no further action was taken.
Wills, Trusts & Estates. HB 1218 by Rep. Rob Leverett (R-Elberton) establishes a notice provision to a testate estate's beneficiaries. The bill was reported by the Senate Judiciary Committee, but no further action was taken. The Senate sponsor was Sen. Bo Hatchett (R-Cornelia).
Rep. James Burchett
Sen. Mike Hodges

GBA Represented at the Capitol

The association’s advocacy team has been hard at work representing the interests of banking at the State Capitol. Reach out to any of them if you need information about a bill, contact information for your representatives, or with any other questions. Here’s their contact information: