Georgia payments and fintech laws

What Georgia has enacted on payments and fintech, what each law requires, and what the bills still moving would do. Georgia is one of 42 states that enacted a payments and fintech law in the 2025 and 2026 sessions.

5 new Georgia laws take effect in 2027

Bills in scope
8bills in scope
Past committee
5past committee
Most recent action
1 July 2026most recent action

Payments and fintech laws enacted in Georgia

4 payments and fintech laws enacted in the Georgia Legislature in the 2025 and 2026 sessions, newest first. Each links to the legislature's own page.

  • HB 1272Banking and finance; licensing of payment stablecoin issuers; provisionsEnacted 1 July 2026

    What it requires: Licensed payment stablecoin issuers must maintain identifiable reserves on a one-to-one basis composed of specified liquid assets, publish monthly reserve composition, obtain Department of Banking and Finance approval before issuance, maintain an office in Georgia, and comply with anti-money laundering and economic sanctions programs.

    Virtual currency and crypto kiosks, Interchange and card networks

  • HB 447Crimes and offenses; crimes of gift card theft, gift card forgery, and gift card fraud; provideEnacted 12 May 2026

    What it requires: Any person is prohibited from acquiring or retaining possession of a gift card or gift card redemption information without consent with intent to defraud (gift card theft), altering or tampering with a gift card or its packaging with intent to defraud (gift card forgery), devising a scheme to obtain a gift card through false pretenses with intent to defraud (gift card fraud), or using such obtained gift cards with intent to defraud.

    Prepaid, gift cards and P2P, Payment fraud and scams

  • HB 15Banking and finance; update terminology; provisionsEnacted 1 July 2025

    What it requires: Applicants for licenses as mortgage lenders, mortgage brokers, money transmitters, payment instrument cashers, and foreign banking institutions must not have been convicted of felonies within seven years or at any time if a disqualifying crime. Merchant acquirer limited purpose bank applicants and employees must meet character and fitness standards. Mortgage lenders must maintain adequate liquidity and corporate governance structures.

    Money transmission and licensing, BNPL and bank partnerships

  • HB 241Contracts; convenience fees for payment by electronic means; revise provisionsEnacted 1 July 2025

    What it requires: Lenders and merchants may collect a nonrefundable convenience fee from persons paying by electronic means, limited to actual cost or the average actual cost for that payment type or $5.00, whichever is greater. They must provide a fee-free payment option and clear disclosure of the fee amount, nonrefundable status, and that it applies to electronic payments.

    Card surcharges and payment fees

Payments and fintech in Georgia, by topic

Payments and fintech bills in Georgia

The bills not yet law, furthest along first, with what each would do.

4Enacted

1Past committee

3Introduced or inactive

8 bills in scope

Past committee

1

HB 576Commerce and trade; require that the processing of transactions initiated by users of peer-to-peer payment platforms by delayedPassed committee

What it would do: Requires money transmitters operating peer-to-peer payment platforms to delay processing of user-initiated fund transfer transactions for at least 15 minutes, during which users may cancel the transaction.

Introduced or inactive

3

SB 282"Fair Business Practices Act of 1975,"; requirements for earned wage access services; provideIn committee

What it would do: Amends Georgia's Fair Business Practices Act to establish requirements for earned wage access services providers, including mandatory no-cost options, fee caps of $5 or 5 percent per transaction, consumer protections, and prohibitions on late fees, credit reporting, and debt collection activities.

HB 700Commerce and trade; limit amount of surcharges charged by merchants for purchasers using credit cardsIn committee

What it would do: Prohibits merchants from charging purchasers a surcharge for using a credit card that exceeds the actual cost to the merchant to process the transaction.

HB 431Consumer Inflation Reduction and Tax Fairness Act; enactIn committee

What it would do: Limits interchange fees charged by payment card networks to retailers based on the goods and services consumer purchase price excluding taxes, requires networks to exclude or refund taxes from interchange fee calculations on a quarterly basis, and imposes civil penalties for willful violations.

Bill titles link to the Georgia Legislature's own page.

What LawSignals covers

What counts as payments and fintech legislation

In scope: Money transmission and licensing; virtual currency and crypto kiosks; card surcharges and payment fees; interchange and card networks; earned wage access; bNPL and bank partnerships; prepaid, gift cards and P2P; and payment fraud and scams.

Questions

Does Georgia have a payments and fintech law?

Yes. Georgia enacted 4 payments and fintech laws in the 2025 and 2026 sessions, among them HB 1272, HB 447 and HB 15. Each is listed on this page with what it requires.

Which payments and fintech bills are moving in Georgia?

1 bill not yet law has passed a committee or a chamber, the furthest along HB 576 (passed committee).

What does Georgia legislate on most in payments and fintech?

Money transmission and licensing (2 bills), Card surcharges and payment fees (2 bills) and Interchange and card networks (2 bills).

Are these summaries reviewed by a lawyer?

No. Which bills count as Payments and fintech bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.

Other practice areas in Georgia

Payments and fintech legislation in other jurisdictions

51 more currently hold bills in this tracker

Know when Georgia's payments and fintech law changes

An alert when a bill moves, and one report a month on what changed in every state and Congress.

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