---
type: "Bill"
title: "Financial institutions; clarify and remove superfluous language; provisions"
description: "A BILL to be entitled an Act to amend Chapter 1 of Title 7 of the Official Code of Georgia Annotated, relating to financial institutions, so as to clarify and remove superfluous language; to update terminology; to remove outdated language; to amend Chapter 3 of Title 7 of the Official Code of Georgia Annotated, relating to installment loans, so as to provide for deferments of installment loans; to amend Chapter 6A of Title 7 of the Official Code of Georgia Annotated, relating to the Georgia Fair Lending Act, so as to update citations; to provide for related matters; to repeal conflicting laws; and for other purposes."
jurisdiction: "us/states/ga"
legislature: "Georgia General Assembly"
session: "2021_22"
identifier: "HB 111"
citation: "Georgia HB 111 (2021_22)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Bruce Williamson", "Matt Hatchett", "Penny Houston", "Will Wade"]
version_count: 2
action_count: 15
vote_count: 1
first_action: "2021-01-26"
last_action: "2021-07-01"
source: "openstates"
source_identifier: "ocd-bill/131d9655-65e3-44c3-a28a-01e3e27ef47d"
source_url: "http://webservices.legis.ga.gov/GGAServices/Legislation/Service.svc?wsdl"
source_hash: "4798eb19baf38fd76800769335bbbfe9c6fa486a73fe0938a2968da911c52f5b"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-ga"]
---

# Georgia HB 111 (2021_22) — Financial institutions; clarify and remove superfluous language; provisions

A BILL to be entitled an Act to amend Chapter 1 of Title 7 of the Official Code of Georgia Annotated, relating to financial institutions, so as to clarify and remove superfluous language; to update terminology; to remove outdated language; to amend Chapter 3 of Title 7 of the Official Code of Georgia Annotated, relating to installment loans, so as to provide for deferments of installment loans; to amend Chapter 6A of Title 7 of the Official Code of Georgia Annotated, relating to the Georgia Fair Lending Act, so as to update citations; to provide for related matters; to repeal conflicting laws; and for other purposes.

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **HB 111/AP*** (committee substitute) — [source](http://www.legis.ga.gov/Legislation/20212022/200454.pdf)
2. **LC 50 0137/a** (committee substitute) — [source](http://www.legis.ga.gov/Legislation/20212022/195908.pdf)

## Votes

- PASSAGE — **160–0** (pass) · lower

## Sponsors

- Bruce Williamson — primary (person)
- Matt Hatchett — primary (person)
- Penny Houston — primary (person)
- Will Wade — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2021-01-26** House Hopper
- **2021-01-27** House First Readers `reading-1`
- **2021-01-28** House Second Readers `reading-2`
- **2021-02-11** House Committee Favorably Reported `committee-passage-favorable`
- **2021-02-18** House Third Readers `reading-3`
- **2021-02-18** House Passed/Adopted `passage`
- **2021-02-22** Senate Read and Referred `referral-committee`
- **2021-02-26** Senate Committee Favorably Reported `committee-passage-favorable`
- **2021-03-01** Senate Read Second Time `reading-2`
- **2021-03-15** Senate Third Read `reading-3`
- **2021-03-15** Senate Passed/Adopted `passage`
- **2021-04-05** House Sent to Governor `executive-receipt`
- **2021-05-04** House Date Signed by Governor `executive-signature`
- **2021-05-04** Act 174 `executive-signature`
- **2021-07-01** Effective Date

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/131d9655-65e3-44c3-a28a-01e3e27ef47d`. Confidence: reported (aggregated from official Georgia legislature records).