Georgia General Assembly · Full text

HB 110: Pawnbrokers; certain protections for current military members and related persons; provide

Introduced version, the latest LegiScan holds · Last action January 28, 2026 · Introduced

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House Bill 110

By: Representatives Bonner of the 73rd, Ballard of the 147th, Gullett of the 19th, Clark of the 100th, and Westbrook of the 163rd

A BILL TO BE ENTITLED

AN ACT

To amend Part 5 of Article 3 of Chapter 12 of Title 44 of the Official Code of Georgia Annotated, relating to pawnbrokers, so as to provide certain protections for current military members and related persons; to prohibit pawnbrokers from making title pawns with covered borrowers; to provide a penalty for violations; to provide for a definition; to provide for related matters; to repeal conflicting laws; and for other purposes.

BE IT ENACTED BY THE GENERAL ASSEMBLY OF GEORGIA:

SECTION 1.

Part 5 of Article 3 of Chapter 12 of Title 44 of the Official Code of Georgia Annotated, relating to pawnbrokers, is amended in Code Section 44-12-137, relating to prohibited acts, penalties, presumption as to pledgor, and replacement or damaged goods, by adding a new subsection to read as follows:

"(c)(1) As used in this subsection, the term 'covered borrower' shall have the same meaning as provided in 32 C.F.R. Section 232.3.

(2) No pawnbroker shall conduct a pawn transaction involving a motor vehicle or motor vehicle certificate of title with a covered borrower.

(3) Any pawnbroker that knowingly conducts a pawn transaction in violation of paragraph (2) of this subsection shall be subject to a civil penalty of four times the principal amount advanced in such pawn transaction. Such civil penalty shall be recoverable in a civil action brought in any court of competent jurisdiction by the Attorney General or any district attorney."

SECTION 2.

All laws and parts of laws in conflict with this Act are repealed.