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State consumer-law reference center

Georgia

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Section inventory40 entries
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State law changes and varies by facts. Only source-checked inventories appear below. “Research pending” is not legal guidance and never means DJC may market, enroll, contract, bill, or provide a regulated service in this jurisdiction.
State statute inventory

Consumer-protection authorities under review

40 section entries
Legal review pending

Georgia Fair Business Practices Act

Ga. Code Ann. §§ 10-1-390–10-1-408

The complete Part 2 inventory was checked against the 2024 Georgia Code publication. Georgia’s official code access should be used to confirm current text; the individual links provide convenient section reading. Summaries are educational and do not determine whether an exemption, notice rule, limitation period, or remedy applies.

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Ga. Code Ann. § 10-1-391

Purpose and construction of part

States the consumer-protection purpose and directs liberal construction consistent with specified federal interpretations.

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Ga. Code Ann. § 10-1-392

Definitions; when intentional violation occurs

Defines important terms and explains when a violation is treated as intentional.

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Ga. Code Ann. § 10-1-393

Unfair or deceptive practices in consumer transactions unlawful; examples

Declares unfair or deceptive consumer practices unlawful and lists illustrative prohibited conduct.

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Ga. Code Ann. § 10-1-393.1

Office supply transactions; solicitations for telephone directory listings

Regulates specified office-supply transactions and directory-listing solicitations.

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Ga. Code Ann. § 10-1-393.2

Requirements for health spas

Establishes contract, cancellation, and other consumer requirements for covered health-spa services.

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Ga. Code Ann. § 10-1-393.3

Prohibited use of purchaser’s credit card information by merchant

Restricts a merchant’s use of credit-card information for purposes unrelated to the purchase.

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Ga. Code Ann. § 10-1-393.4

Pricing practices during state of emergency

Prohibits specified price increases during a declared emergency, subject to statutory conditions.

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Ga. Code Ann. § 10-1-393.5

Telemarketing, computer activities, home repair, and booking photographs

Prohibits specified conduct involving telemarketing, computer use, home repair or improvement, and online booking photographs.

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Ga. Code Ann. § 10-1-393.6

Unlawful telemarketing transactions; criminal penalty

Defines specified unlawful telemarketing conduct and provides a criminal penalty.

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Ga. Code Ann. § 10-1-393.7

Solicitation during final illness; penalty

Restricts specified solicitation involving a person known to have a terminal condition.

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Ga. Code Ann. § 10-1-393.8

Protection from disclosure of an individual’s Social Security number

Restricts public display, transmission, and use of Social Security numbers, subject to statutory exceptions.

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Ga. Code Ann. § 10-1-393.9

Registration of private child support collectors; surety bond or alternative

Requires registration and financial security for covered private child-support collectors.

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Ga. Code Ann. § 10-1-393.10

Private child support collection contracts

Sets contract, cancellation, disclosure, payment-forwarding, and conduct requirements for private child-support collection.

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Ga. Code Ann. § 10-1-393.11

Kosher-food disclosure statement

Requires specified disclosure information for represented kosher foods and identifies an exception.

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Ga. Code Ann. § 10-1-393.12

Right to cancel residential roofing contract

Provides cancellation rights and restrictions for covered residential roofing contracts tied to insurance claims.

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Ga. Code Ann. § 10-1-393.13

Requirements of telephone solicitations; class actions

Establishes requirements for covered telephone solicitations and addresses class-action enforcement.

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Ga. Code Ann. § 10-1-393.14

Consumer reports furnished for employment purposes

Requires specified notices and procedures when consumer reports are obtained for employment purposes.

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Ga. Code Ann. § 10-1-393.15

Solicitations for copies of real-estate records

Requires notices for services offering copies of real-estate records and provides penalties.

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Ga. Code Ann. § 10-1-393.16

Written solicitations concerning filings, posters, or notices

Requires specified disclosures in solicitations concerning corporate filings, labor posters, or notices.

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Ga. Code Ann. § 10-1-393.17

Vocal or instrumental rights

Protects specified rights against deceptive advertisements, performances, or productions.

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Ga. Code Ann. § 10-1-393.18

Commercial financing transaction disclosures

Requires disclosures for covered commercial financing and regulates specified broker conduct, with exceptions.

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Ga. Code Ann. § 10-1-393.19

Unsolicited real-estate purchase inquiries

Regulates specified unsolicited inquiries seeking to purchase real estate and provides penalties.

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Ga. Code Ann. § 10-1-394

Rules and standards prohibiting unfair or deceptive practices

Authorizes the Attorney General to adopt rules and standards and incorporates state administrative procedures.

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Ga. Code Ann. § 10-1-395

Attorney General authority and duties

Describes enforcement authority, the Consumer Advisory Board, and coordination with other regulators.

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Ga. Code Ann. § 10-1-396

Acts exempt from part

Identifies conduct and transactions excluded from the Act under specified conditions.

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Ga. Code Ann. § 10-1-397

Cease and desist orders; civil penalty; judicial relief; receivers

Provides administrative and judicial enforcement tools, including cease-and-desist orders and receivers.

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Ga. Code Ann. § 10-1-397.1

Initiation or intervention by Attorney General

Addresses when the Attorney General may initiate or intervene in specified proceedings.

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Ga. Code Ann. § 10-1-398

Stay of cease and desist order; hearing

Provides procedures for requesting a stay and hearing concerning a cease-and-desist order.

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Ga. Code Ann. § 10-1-399

Civil actions for violations; remedies

Addresses private civil actions, pre-suit demand requirements, damages, injunctions, and fees; review current text before acting.

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Ga. Code Ann. § 10-1-400

Limitation on recovery in case of bona fide error

Limits recovery when a qualifying non-negligent bona fide error is proven.

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Ga. Code Ann. § 10-1-401

Limitation of actions; setoff

Sets limitations rules for private actions and preserves specified setoff rights; confirm current text before calculating a deadline.

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Ga. Code Ann. § 10-1-402

Assurances of voluntary compliance

Allows the Attorney General to accept written assurances resolving alleged violations.

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Ga. Code Ann. § 10-1-403

Investigations; demands for evidence

Authorizes investigations and demands for documentary material relevant to suspected violations.

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Ga. Code Ann. § 10-1-404

Subpoena and hearing powers

Describes subpoenas, hearings, court enforcement, self-incrimination, and confidentiality procedures.

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Ga. Code Ann. § 10-1-405

Civil penalties; individual liability

Provides civil penalties and specified individual liability for intentional organizational violations.

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Ga. Code Ann. § 10-1-406

Prosecution of criminal conduct revealed through investigation

Addresses referral or prosecution when an investigation reveals possible criminal conduct.

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Ga. Code Ann. § 10-1-407

Part not exclusive

States that the Act supplements rather than displaces other available rights and remedies.

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Ga. Code Ann. § 10-1-408

Continuing validity of prior rules, orders, actions, and regulations

Preserves specified governmental actions adopted before later statutory changes.

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Research map

Georgia consumer-credit categories

Research pending

Credit services and credit repair organizations

Licensing, registration, bonding, contracts, fees, cancellation, advertising, and prohibited practices.

What the legal reviewer checks
  • Covered-service definitions
  • License or registration requirements
  • Contract and disclosure language
  • Fee and cancellation restrictions
  • Advertising and prohibited practices
Research pending

Debt collection

State collection-agency licensing, prohibited conduct, validation-related rules, remedies, and regulator contacts.

What the legal reviewer checks
  • Collector and agency definitions
  • Licensing and exemptions
  • Communication and conduct restrictions
  • Civil remedies and enforcement
  • Complaint channels
Research pending

Consumer reporting and security freezes

State credit-reporting duties, freezes, protected-consumer freezes, identity-theft blocks, and remedies.

What the legal reviewer checks
  • Freeze placement and lifting
  • Fees and timing
  • Protected consumers
  • Identity-theft procedures
  • Enforcement and remedies
Authority identified

Identity theft, data breach, and privacy

Identity-theft crimes and recovery tools, breach notices, personal-information safeguards, and privacy rights.

  • Ga. Code Ann. §§ 10-1-390–10-1-408
What the legal reviewer checks
  • Breach notice triggers and timing
  • Covered personal information
  • Security safeguards
  • Identity-theft reports and blocks
  • Attorney-general enforcement
Research pending

Garnishment and judgment protections

State exemptions, disposable-earnings limits, court procedures, bank-account protections, and employer duties.

What the legal reviewer checks
  • Wage and bank exemptions
  • Debt-specific limits
  • Claim-of-exemption procedure
  • Notice and hearing deadlines
  • Employer restrictions
Research pending

Repossession and deficiency balances

Notice, cure, repossession conduct, sale, accounting, redemption, and deficiency rules.

What the legal reviewer checks
  • Right-to-cure notices
  • Repossession restrictions
  • Sale notice and commercial reasonableness
  • Redemption
  • Deficiency accounting and defenses
Research pending

Small-dollar and consumer lending

Licensing, rates, fees, payment plans, disclosures, collection practices, and complaint resources.

What the legal reviewer checks
  • Covered loan definitions
  • License requirements
  • Rate and fee limits
  • Rollover or payment-plan rules
  • Enforcement
Research pending

Mortgage, housing, and auto finance

Servicing, foreclosure, homeowner, dealer-finance, motor-vehicle-sales, and related protections.

What the legal reviewer checks
  • Mortgage servicing and foreclosure
  • Homeowner notices and assistance
  • Dealer and sales-finance licensing
  • Auto disclosures
  • Complaints and remedies
Research pending

Medical and utility debt

Billing, collection, charity-care, utility termination, deposit, and payment-plan rules.

What the legal reviewer checks
  • Hospital and medical billing
  • Charity-care disclosures
  • Utility shutoff protections
  • Deposits and payment plans
  • Complaint agencies
Research pending

Military and veteran protections

State protections that may supplement federal servicemember and military-lending laws.

What the legal reviewer checks
  • State active-duty coverage
  • Interest or collection protections
  • Lease and contract rules
  • Court stays
  • Military legal-assistance contacts

Need information before review is complete?

Use the official state source, state attorney general, financial regulator, or legal-aid provider. Confirm current effective dates and amendments before relying on a section.

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