---
type: "Bill"
title: "Banking and finance; holds on accounts of eligible adults for suspected financial exploitation; provide"
description: "A BILL to be entitled an Act to amend Title 7 of the Official Code of Georgia Annotated, relating to banking and finance, so as to provide for holds on accounts of eligible adults for suspected financial exploitation; to provide for procedures for placing and lifting such holds; to no longer require independent credit reports to be obtained from a consumer reporting agency as defined in the federal Fair Credit Reporting Act; to provide for procedures for cease and desist orders for unregistered persons providing litigation finance; to provide for judicial hearings to review department decisions regarding litigation finance; to provide for registrant disclosures; to provide for definitions; to make conforming changes; to provide for construction; to provide for related matters; to repeal conflicting laws; and for other purposes."
jurisdiction: "us/states/ga"
legislature: "Georgia General Assembly"
session: "2025_26"
identifier: "HB 945"
citation: "Georgia HB 945 (2025_26)"
classification: ["bill"]
subjects: ["BANKING AND FINANCE", "HANDICAPPED PERSONS"]
status: "enacted"
primary_sponsors: ["Bruce Williamson", "Johnny Chastain", "Noel Williams, Jr."]
version_count: 8
action_count: 15
vote_count: 7
first_action: "2026-01-12"
last_action: "2026-07-01"
source: "openstates"
source_identifier: "ocd-bill/b07b5ca1-8283-47df-ae20-6a3b22050c23"
source_url: "http://webservices.legis.ga.gov/GGAServices/Legislation/Service.svc?wsdl"
source_hash: "7af3010f7e1fe4b1a3a693017c321debbc95592408e028591d20fddb1d641d0b"
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 945 (2025_26) — Banking and finance; holds on accounts of eligible adults for suspected financial exploitation; provide

A BILL to be entitled an Act to amend Title 7 of the Official Code of Georgia Annotated, relating to banking and finance, so as to provide for holds on accounts of eligible adults for suspected financial exploitation; to provide for procedures for placing and lifting such holds; to no longer require independent credit reports to be obtained from a consumer reporting agency as defined in the federal Fair Credit Reporting Act; to provide for procedures for cease and desist orders for unregistered persons providing litigation finance; to provide for judicial hearings to review department decisions regarding litigation finance; to provide for registrant disclosures; to provide for definitions; to make conforming changes; to provide for construction; 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 945/AP*** (committee substitute) — [source](http://www.legis.ga.gov/Legislation/20252026/245690.pdf)
2. **LC 62 0256/a** (committee substitute) — [source](http://www.legis.ga.gov/Legislation/20252026/239651.pdf)
3. **LC 62 0310S/hcs** (committee substitute) — [source](http://www.legis.ga.gov/Legislation/20252026/241822.pdf)
4. **LC 62 0310S/hs** (committee substitute) — [source](http://www.legis.ga.gov/Legislation/20252026/241018.pdf)
5. **Sen Floor Amend 1** (committee substitute) — [source](http://www.legis.ga.gov/Legislation/20252026/245666.pdf)
6. **Sen Floor Amend 1A** (committee substitute) — [source](http://www.legis.ga.gov/Legislation/20252026/245674.pdf)
7. **Sen Floor Amend 1B** (committee substitute) — [source](http://www.legis.ga.gov/Legislation/20252026/245676.pdf)
8. **Sen Floor Amend 1C** (committee substitute) — [source](http://www.legis.ga.gov/Legislation/20252026/245675.pdf)

## Votes

- Senate Vote #701 - 2025-2026 Regular Session — **50–0** (pass) · upper
- Senate Vote #699 - 2025-2026 Regular Session — **27–22** (pass) · upper
- Senate Vote #696 - 2025-2026 Regular Session — **43–3** (pass) · upper
- Senate Vote #698 - 2025-2026 Regular Session — **21–28** (fail) · upper
- House Vote #481 - 2025-2026 Regular Session — **161–5** (pass) · lower
- Senate Vote #697 - 2025-2026 Regular Session — **17–31** (fail) · upper
- Senate Vote #700 - 2025-2026 Regular Session — **9–41** (fail) · upper

## Sponsors

- Bruce Williamson — primary (person)
- Johnny Chastain — primary (person)
- Noel Williams, Jr. — primary (person)

## Timeline

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

- **2026-01-12** House Hopper `introduction`
- **2026-01-13** House First Readers `reading-1`
- **2026-01-14** House Second Readers `reading-2`
- **2026-02-02** House Committee Favorably Reported By Substitute `committee-passage-favorable`
- **2026-02-06** House Third Readers `reading-3`
- **2026-02-06** House Passed/Adopted By Substitute `passage`
- **2026-02-09** Senate Read and Referred `referral-committee`
- **2026-02-20** Senate Committee Favorably Reported `committee-passage-favorable`
- **2026-02-24** Senate Read Second Time `reading-2`
- **2026-03-10** Senate Third Read `reading-3`
- **2026-03-10** Senate Passed/Adopted `passage`
- **2026-04-06** House Sent to Governor `executive-receipt`
- **2026-05-11** House Date Signed by Governor `executive-signature`
- **2026-05-11** Act 478 `executive-signature`
- **2026-07-01** Effective Date

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/b07b5ca1-8283-47df-ae20-6a3b22050c23`. Confidence: reported (aggregated from official Georgia legislature records).