Georgia Personal Loan for Bad Credit Laws and Regulations in (GA)
(last updated 08/23/2019)
Finance Companies / Small Loan Companies
The Department has no regulatory/licensing authority over finance companies. Finance companies and small loan companies that make loans for $3,000 or less (under the Industrial Loan Act) are regulated by the Georgia Industrial Loan Commissioner.
Georgia Insurance Commissioner
Ga. Industrial Loan Division
2 Martin Luther King Jr., Drive
West Tower, Suite 920
Atlanta, GA 30334
Phone: (404) 656-2078
Toll Free: 800-656-2298
E-mail Questions to: Loan@oci.ga.gov
Between 8:00 AM and 5:00 PM
Georgia Industrial Loan Division Home Page
For finance companies (making consumer loans over $3,000), the Federal Trade Commission enforces Regulation Z (Truth in Lending). Please send complaints or questions to:
Federal Trade Commission
Washington, DC 20580
FTC Complaint Assistance
Federal Trade Commission Home Page
This information is for informational purposes only.
Although care has been taken to accurately describe the
laws and regulations in Georgia, no
guarantees are implied or expressed about its
accuracy. This is not legal advice. If you need legal advice,
please consult an attorney or the Georgia Governors Office of Consumer Protection.
The following classes of lending organizations may be exempt under the regulations and laws set by the state of Georgia. Federally chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.
Georgia Personal Loan for Bad Credit Lending Regulator (GA)
Georgia Governors Office of Consumer Protection
2 Martin Luther King Jr. Drive
(404) 651-8600 or 1-800-869-1123