---
title: O.C.G.A. § 33-22-10. Delinquency charges; returned check fees.
collection: code
id: 33-22-10
cite_as: O.C.G.A. § 33-22-10 (2025)
canonical_url: https://georgiacommons.org/code/33-22-10
md_url: https://georgiacommons.org/code/33-22-10.md
text_url: https://georgiacommons.org/code/33-22-10/text
source_url: https://www.legis.ga.gov/api/document/docs/default-source/joint-features-document-library/t33-ch1-22-(v24)-2020-pdf.pdf?sfvrsn=a873240d_0#page=923
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: INSURANCE / INSURANCE PREMIUM FINANCE COMPANIES
---

# O.C.G.A. § 33-22-10. Delinquency charges; returned check fees.

(a) A premium finance agreement may provide for the payment by the insured of a delinquency charge ranging in amount from $1.50 to a maximum of 5 percent of the delinquent payment on any payment which is in default for a period of five days or more. If the default results in the cancellation of any insurance contract listed in the agreement, the agreement may provide for the payment by the insured of a cancellation charge of $15.00 in the case of a commercial insurance premium finance agreement or $5.00 in the case of a consumer insurance premium finance agreement.

(b) A premium finance agreement may provide for a returned check fee of $20.00 for each installment payment check returned by the financial institution as the result of insufficient funds.

## History

Ga. L. 1969, p. 561, § 11; Ga. L. 1981, p. 760, § 3; Ga. L. 1995, p. 1047, § 2.

## Editor's Notes

Ga. L. 1981, p. 760, § 4, provided that that Act, § 3 of which amended this section, was to apply to all insurance premium finance agreements entered into on or after the date the Act was signed by the Governor or became law without his approval. The Act was approved April 7, 1981.