O.C.G.A.
Code text and O.C.G.A. statutory annotations on this page reflect the 2019 Official Code of Georgia Annotated (Public.Resource.Org Release 73, 2019-08-21; public domain per Georgia v. Public.Resource.Org, 2020). The Syfert case-law annotations in Notes of Decisions, below, are current.
This chapter shall be known and may be cited as the “Georgia Fair Lending Act.”
History
Code 1981, § 7-6A-1, enacted by Ga. L. 2002, p. 455, § 1; Ga. L. 2003, p. 1, § 1.
Annotations
Cross references. Vehicle protection product warranty cannot be condition to car loan, § 33-34A-9.
Law reviews. For survey article on real property law for the period from June 1, 2002 to May 31, 2003, see 55 Mercer L. Rev. 397 (2003).
JUDICIAL DECISIONS Mortgage loans. - Chapter 13 debtor’s allegations that a title insurance company, a bank, and the FNMA failed to honor a lender’s promise that the debtor could buy down the interest rate on the debtor’s mortgage and refused to cancel the debtor’s mortgage after the debtor was charged a higher rate failed to state claims for relief under the RESPA, 12 U.S.C. § 2601 et seq., the TILA, 15 U.S.C. § 1601 et seq., and the Georgia Fair Lending Act, O.C.G.A. § 7-6A-1 et seq.;
however, the court allowed the debtor to amend the debtor’s complaint to cure deficiencies in the debtor’s allegations that a LLC that serviced the debtor’s loan violated the RESPA when the LLC failed to respond to qualified written requests for information the debtor sent to the LLC. Hughes v. J.P. Morgan Chase (In re Hughes), No. 17-5169-LRC, 2018 Bankr. LEXIS 1143 (Bankr. N.D. Ga. Apr. 13, 2018).
Notes of Decisions
Oconee Fed. Sav. & Loan Ass'n v. Brown Et Al., 831 S.E.2d 222 (Ga. Ct. App. 2019).
· cites it 2× “5 In their subsequent third amended complaint, the Browns alleged causes of action for: (1) breach of contract; (2) anticipatory repudiation; (3) breach of the duty of good faith and fair dealing; (4) violations of the *227 Georgia Fair Lending Act ("GFLA"), OCGA § 7-6A-1 et…”
Stroman v. Bank of Am. Corp., 852 F. Supp. 2d 1366 (N.D. Ga. 2012).
· cites it 2× “; (6) violations of the Georgia Fair Lending Act (“GFLA”), O.C.G.A. § 7-6A-1 et seq.; (7) breach of contract; (8) breach of the implied covenant of good faith and fair dealing; (9) negligence; (10) defamation-slander-libel; (11) unjust enrichment; (12) conversion; (13) theft by…”
Michael L. Crowe v. Claude T. Scissom (Ga. Ct. App. 2022).
· cites it 4× “On appeal, Crowe contends that the trial court erred in granting summary judgment on his claims under the Georgia Fair Lending Act, OCGA § 7-6A-1 et seq. (“GAFLA”) because the court misconstrued the statutory definitions of “creditor” and “home loan” and there were genuine…”
Pamela Steffey v. Ameris Bank (Ga. Ct. App. 2023).
· cites it 4× “Steffey alleged in her complaint that the defendants’ refusal to modify the loan documents to reflect that no funds had been advanced for her renovation amounted to an unlawful banking practice under the Georgia Fair Lending Act, OCGA § 7-6A-1 et seq. But nothing in the Act…”
Pamela Steffey v. Ameris Bank (Ga. Ct. App. 2023).
· cites it 4× “Steffey alleged in her complaint that the defendants’ refusal to modify the loan documents to reflect that no funds had been advanced for her renovation amounted to an unlawful banking practice under the Georgia Fair Lending Act, OCGA § 7-6A-1 et seq. But nothing in the Act…”
Oconee Fed. Sav. & Loan Ass'n v. Kenneth A. Brown (Ga. Ct. App. 2019).
· cites it 2× “The Browns also raised claims of breach of contract, fraud, negligence, violations of the Georgia Fair Lending Act, OCGA § 7-6A-1 et seq., and violations of the Real Estate Settlement Procedures Act, 12 U.”
Oconee Fed. Sav. & Loan Ass'n v. Kenneth A. Brown (Ga. Ct. App. 2019).
· cites it 2× “5 In their subsequent third amended complaint, the Browns alleged causes of action for: (1) breach of contract; (2) anticipatory repudiation; (3) breach of the duty of good faith and fair dealing; (4) violations of the Georgia Fair Lending Act (“GFLA”), OCGA § 7-6A-1 et seq.;…”
Michael L. Crowe v. Claude T. Scissom (Ga. Ct. App. 2026).
· cites it 2× “Michael Crowe appeals from the trial court’s grant of summary judgment to Claude and Martha Scissom on claims Crowe brought against the Scissoms under the Georgia Fair Lending Act, OCGA §§ 7-6A-1 et seq. In the summary judgment ruling, the trial court rejected Crowe’s proposed…”
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