republic-os/legislation/us/states/ga/2013-14/hb-824.md

type, title, description, jurisdiction, legislature, session, identifier, citation, classification, subjects, status, primary_sponsors, version_count, action_count, vote_count, first_action, last_action, source, source_identifier, source_url, source_hash, vintage, source_snapshot, retrieved_at, confidence, tags

type	title	description	jurisdiction	legislature	session	identifier	citation	classification	subjects	status	primary_sponsors	version_count	action_count	vote_count	first_action	last_action	source	source_identifier	source_url	source_hash	vintage	source_snapshot	retrieved_at	confidence	tags
Bill	Banking and finance; term "interest" does not include certain fees agreed upon by financial institution and depositor in written agreement between parties; clarify	A BILL to be entitled an Act to amend Article 1 of Chapter 4 of Title 7 of the Official Code of Georgia Annotated, relating to interest and usury generally, so as to clarify that the term "interest" does not include certain fees agreed upon by a financial institution and a depositor in a written agreement between the parties; to repeal conflicting laws; and for other purposes.	us/states/ga	Georgia General Assembly	2013_14	HB 824	Georgia HB 824 (2013_14)	bill		enacted	Calvin Smyre John Meadows Rich Golick Richard Smith Terry England Wendell Willard	3	16	1	2014-01-23	2014-04-15	openstates	ocd-bill/ea63c14c-5a0c-4bab-8869-c2055020bc2e	http://webservices.legis.ga.gov/GGAServices/Legislation/Service.svc?wsdl	ebb61de3d137be6520c3553a15beffface0476c06b01b0ed3044adf03c9461bc	2026-07-01	https://data.openstates.org/daily/2026-07-01/public.pgdump	2026-07-06	reported	legislation bill us-ga

Georgia HB 824 (2013_14) — Banking and finance; term "interest" does not include certain fees agreed upon by financial institution and depositor in written agreement between parties; clarify

A BILL to be entitled an Act to amend Article 1 of Chapter 4 of Title 7 of the Official Code of Georgia Annotated, relating to interest and usury generally, so as to clarify that the term "interest" does not include certain fees agreed upon by a financial institution and a depositor in a written agreement between the parties; 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 824/AP* (committee substitute) — source
2. LC 39 0540/a (committee substitute) — source
3. Sen ctee sub LC 39 0671S (committee substitute) — source

Votes

• PASSAGE — 162–0 (pass) · lower

Sponsors

• Calvin Smyre — primary (person)
• John Meadows — primary (person)
• Rich Golick — primary (person)
• Richard Smith — primary (person)
• Terry England — primary (person)
• Wendell Willard — primary (person)

Timeline

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

• 2014-01-23 House Hopper
• 2014-01-24 House First Readers reading-1
• 2014-01-27 House Second Readers reading-2
• 2014-02-03 House Committee Favorably Reported committee-passage-favorable
• 2014-02-05 House Third Readers reading-3
• 2014-02-05 House Passed/Adopted passage
• 2014-02-06 Senate Read and Referred referral-committee
• 2014-02-21 Senate Committee Favorably Reported By Substitute committee-passage-favorable
• 2014-02-24 Senate Read Second Time reading-2
• 2014-03-06 Senate Third Read reading-3
• 2014-03-06 Senate Passed/Adopted By Substitute passage
• 2014-03-11 House Agreed Senate Amend or Sub
• 2014-03-24 House Sent to Governor executive-receipt
• 2014-04-15 House Date Signed by Governor executive-signature
• 2014-04-15 Act 515 executive-signature
• 2014-04-15 Effective Date

Source

OpenStates / OpenCivicData bulk snapshot 2026-07-01; origin ocd-bill/ea63c14c-5a0c-4bab-8869-c2055020bc2e. Confidence: reported (aggregated from official Georgia legislature records).