---
title: O.C.G.A. § 7-6A-12. Application; preemption by federal law.
collection: code
id: 7-6A-12
cite_as: O.C.G.A. § 7-6A-12 (2025)
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date: 2025
status: active
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heading_path: BANKING AND FINANCE / GEORGIA FAIR LENDING ACT
---

# O.C.G.A. § 7-6A-12. Application; preemption by federal law.

The provisions of this chapter shall not apply to any bank, trust company, savings and loan, savings bank, credit union, or subsidiary thereof, respectively, that is chartered under the laws of this state or any other state only to the extent federal law precludes or preempts or has been determined to preclude or preempt the application of the provisions of this chapter to any federally chartered bank, trust company, savings and loan, savings bank, or credit union, respectively, and such federal preclusion or preemption shall apply only to the same type of state chartered entity as the federally chartered entity affected; provided, however, that the provisions of this chapter, including subsection (f) of Code Section 7-6A-7, shall be applicable to an independent mortgage broker for any loan originated or brokered by the broker that is initially funded by any state or federally chartered bank, trust company, savings and loan, savings bank, or credit union.

## History

Code 1981, § 7-6A-12, enacted by Ga. L. 2003, p. 1, § 1; Ga. L. 2020, p. 493, § 7/SB 429.

## Law Reviews

For note on the 2003 enactment of this Code section, see 20 Ga. St. U.L. Rev. 1 (2003).