Chapter

INTEREST AND USURY

O.C.G.A. § 7-4-1— Usury
O.C.G.A. § 7-4-2— Legal rate of interest; maximum rate of interest generally; certain items not considered interest
O.C.G.A. § 7-4-3— Finance charges on certain retail installment contracts; contract provisions related to manufactured homes; violations
O.C.G.A. § 7-4-5— Failure to include required contract provisions for manufactured homes; violation of advertising restrictions
O.C.G.A. § 7-4-6— [Reserved] No limit on interest rate payable by profit corporations or persons on nonconsumer loans in excess of $3,000.00
O.C.G.A. § 7-4-7— [Reserved] No limit on interest rate on loans of $100,000.00 or more
O.C.G.A. § 7-4-8— Commission to third person does not make lawful inter- est usurious
O.C.G.A. § 7-4-9— Back interest may be stipulated in contract and recov- ered
O.C.G.A. § 7-4-10— Usury forfeits entire interest; right of setoff; how forfeiture discharged; when time bars action or defense
O.C.G.A. § 7-4-11— Usury is personal defense; no collection from insolvent to prejudice of others
O.C.G.A. § 7-4-12— Interest on judgments
O.C.G.A. § 7-4-12.1— Interest on child support and domestic relations orders; settlement of unreimbursed public assistance
O.C.G.A. § 7-4-13— Law of place of contract governs interest unless other- wise provided
O.C.G.A. § 7-4-14— Interest runs from default unless otherwise agreed; when demand necessary
O.C.G.A. § 7-4-15— When interest runs on liquidated demands; promissory notes payable on demand
O.C.G.A. § 7-4-16— When interest runs on commercial accounts; maximum interest rate on commercial accounts
O.C.G.A. § 7-4-17— Payment applied first to interest; no interest on unpaid interest; exceptions
O.C.G.A. § 7-4-18— Criminal penalty for excessive interest
O.C.G.A. § 7-4-19— Civil action to enforce chapter
O.C.G.A. § 7-4-20— Election to forgo application of federal usury laws
O.C.G.A. § 7-4-21— Class action barred on claims for violation of interest laws on loans secured by real estate