All Roll Calls
Yes: 213 • No: 6
GeorgiaHB 2412025-2026 Regular SessionHouseWALLET
Contracts; convenience fees for payment by electronic means; revise provisions
Sponsored By: Carter Barrett (Republican), Johnny Chastain (Republican), Demetrius Douglas (Democrat), Trey Rhodes (Republican), Will Wade (Republican), Noel Williams (Republican)
Became Law
Banks & BankingBanking and Financial InstitutionsGeneral Bill
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
No-fee option and clear notice
A convenience fee cannot be charged unless a no‑fee way to pay is offered. You must be able to pay by cash, check, money order, or an electronic option with no fee. If a fee is charged, the lender or merchant must tell you the dollar amount first, say it is nonrefundable, and say it is for electronic payment.
Convenience fees for electronic payments allowed
Lenders and merchants in certain loans and sales can charge a nonrefundable fee when you pay electronically. Electronic payment includes credit and debit cards, electronic funds transfer, e‑checks, and similar methods. The fee must equal their processing cost paid to a third party (including an affiliated processor), or they may instead charge no more than the greater of their average cost for that payment type or $5.00. The fee is on top of other charges and is not treated as interest or a finance charge under Georgia law. This applies to state‑regulated loans and installment loans, retail and home‑solicitation sales, car financing, and insurance premium finance agreements, and must follow card or bank network rules.
Sponsors & Cosponsors
Sponsors
Carter Barrett
Republican • House
Johnny Chastain
Republican • House
Demetrius Douglas
Democrat • House
Trey Rhodes
Republican • House
Will Wade
Republican • House
Noel Williams
Republican • House
Cosponsors
Shawn Still
Republican • Senate
Roll Call Votes
Senate vote • 3/27/2025
PASSAGE
Yes: 53 • No: 3
House vote • 2/27/2025
PASSAGE
Yes: 160 • No: 3
Actions Timeline
Effective Date
7/1/2025House Date Signed by Governor
5/14/2025HouseAct 305
5/14/2025House Sent to Governor
4/7/2025HouseSenate Third Read
3/27/2025SenateSenate Passed/Adopted
3/27/2025SenateSenate Read Second Time
3/18/2025SenateSenate Committee Favorably Reported
3/13/2025SenateSenate Read and Referred
2/28/2025SenateHouse Third Readers
2/27/2025HouseHouse Passed/Adopted By Substitute
2/27/2025HouseHouse Committee Favorably Reported By Substitute
2/20/2025HouseHouse Second Readers
2/6/2025HouseHouse First Readers
2/5/2025HouseHouse Hopper
2/4/2025House
Bill Text
HB 241/AP* (v6)
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