---
title: O.C.G.A. § 11-4-109. Delays.
collection: code
id: 11-4-109
cite_as: O.C.G.A. § 11-4-109 (2025)
canonical_url: https://georgiacommons.org/code/11-4-109
md_url: https://georgiacommons.org/code/11-4-109.md
text_url: https://georgiacommons.org/code/11-4-109/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t11-(v9)-2022-pdf.pdf?sfvrsn=b5451bbd_0#page=491
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: COMMERCIAL CODE / BANK DEPOSITS AND COLLECTIONS / GENERAL PROVISIONS AND DEFINITIONS
---

# O.C.G.A. § 11-4-109. Delays.

(a) Unless otherwise instructed, a collecting bank in a good faith effort to secure payment of a specific item drawn on a payor other than a bank, and with or without the approval of any person involved, may waive, modify, or extend time limits imposed or permitted by this title for a period not exceeding two additional banking days without discharge of drawers or indorsers or liability to its transferor or a prior party.

(b) Delay by a collecting bank or payor bank beyond time limits prescribed or permitted by this title or by instructions is excused if (i) the delay is caused by interruption of communication or computer facilities, suspension of payments by another bank, war, emergency conditions, failure of equipment, or other circumstances beyond the control of the bank; and (ii) the bank exercises such diligence as the circumstances require.

## History

Code 1933, § 109A-4-108, enacted by Ga. L. 1962, p. 156, § 1; Code 1981, § 11-4-109, as redesignated by Ga. L. 1996, p. 1306, § 5.

## Editor's Notes

Ga. L. 1996, p. 1306, § 5, effective July 1, 1996, renumbered former Code Section 11-4-108 as present Code Section 11-4-109.