---
title: O.C.G.A. § 10-1-685. Purchase of insurance; early termination or return of items; late fees.
collection: code
id: 10-1-685
cite_as: O.C.G.A. § 10-1-685 (2025)
canonical_url: https://georgiacommons.org/code/10-1-685
md_url: https://georgiacommons.org/code/10-1-685.md
text_url: https://georgiacommons.org/code/10-1-685/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t10-(v8)-2024-pdf.pdf?sfvrsn=1992b47e_0#page=505
date: 2025
status: active
corpus_version: 2025-supplement-89aa39ab3c68
license: CC0-1.0
publisher: Georgia Commons, an independent project of Georgia Civic Data. Not the State of Georgia. Not legal advice.
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version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: COMMERCE AND TRADE / SELLING AND OTHER TRADE PRACTICES / LEASE-PURCHASE AGREEMENTS
---

# O.C.G.A. § 10-1-685. Purchase of insurance; early termination or return of items; late fees.

(a) A lessor shall not require the purchase of insurance by the lessee from the lessor of a leased item.

(b) A lessor shall not impose a penalty for early termination of a lease-purchase agreement or for the return of an item at any point.

(c) A lessor shall not impose a fee for in-home collection of a payment unless the lessee has expressly agreed to the fee and the amount of the fee is disclosed.

(d) A lessor shall not impose a fee for picking up rental property should the lessee choose to terminate the lease.

(e) A lessor shall not impose a fee for making a late payment except the charge for reinstatement as established in Code Section 10-1-686.

## History

Code 1981, § 10-1-685, enacted by Ga. L. 1985, p. 1341, § 1.