---
title: O.C.G.A. § 11-12-103. Relation to Article 9 and consumer laws.
collection: code
id: 11-12-103
cite_as: O.C.G.A. § 11-12-103 (2025)
canonical_url: https://georgiacommons.org/code/11-12-103
md_url: https://georgiacommons.org/code/11-12-103.md
text_url: https://georgiacommons.org/code/11-12-103/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t11-(v9)-pdf.pdf?sfvrsn=df925151_0#page=160
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.
up: https://georgiacommons.org/code/11-12.md
previous: https://georgiacommons.org/code/11-12-102.md
next: https://georgiacommons.org/code/11-12-104.md
index: https://georgiacommons.org/code/index.md
version: the only printed version
in_force: true
current_through: Including Acts of the 2025 Regular Session of the General Assembly
heading_path: COMMERCIAL CODE / CONTROLLABLE ELECTRONIC RECORDS
---

# O.C.G.A. § 11-12-103. Relation to Article 9 and consumer laws.

(a) Article 9 of this title governs in case of conflict. If there is conflict between this article and Article 9 of this title, Article 9 of this title governs.

(b) Applicable consumer law and other laws. A transaction subject to this article is subject to any applicable rule of law that establishes a different rule for consumers and to any other statute or regulation of this state that regulates the rates, charges, agreements, and practices for loans, credit sales, or other extensions of credit, and to any consumer protection statute or regulation of this state.

## History

Code 1981, § 11-12-103, enacted by Ga. L. 2024, p. 817, § 3-1/HB 1240, effective July 1, 2024.