[{"_1":2,"_100":-5,"_101":-5},"loaderData",{"_3":4,"_26":27},"root",{"_5":6,"_17":10,"_18":19,"_20":21,"_22":10,"_23":-5,"_24":-5,"_25":10},"user",{"_7":8,"_9":10,"_11":10,"_12":-5,"_13":-5,"_14":15,"_16":-5},"roles",[],"isAuthenticated",false,"isPremium","planName","subscriptionStatus","featureFlags",{},"insightsBudget","isDevelopmentHost","userPreferences",{},"recaptchaSiteKey","6LcvOJcUAAAAAHsB-gPGfGktcRlKpH7OTIU_dMTD","isImpersonating","impersonation","affiliateStatus","isFreedomPortal","routes/v2/article/layout",{"_28":29,"_30":31},"notFound",true,"relatedArticles",[32,76,88],{"_33":34,"_35":36,"_37":38,"_39":40,"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_55":56,"_57":58,"_59":60,"_61":62,"_63":64,"_65":66,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},"mediaId",6322539,"mediaKeyId","2347294-878d661625791231825b8e099750db24","parentId",2347294,"title","Committee clears bill clarifying liens and title rules for manufactured housing","audioSeconds",648,"startMs",2171000,"endMs",2819000,"viewUrl","/Search/View?dp=1&key=2347294-878d661625791231825b8e099750db24&start=2171&end=2819","thumbnailUrl","https://assets.pipeline.soar.com/2347294-878d661625791231825b8e099750db24/thumbnail_2171000.jpg","articleUrl","/articles/6322539/Georgia/Committee-clears-bill-clarifying-liens-and-title-rules-for-manufactured-housing","mediaUrl","https://secure.pipeline.soar.com/6322539-5de4b004b7bb787cd50e23ac3106bca0/orig.mp4?Expires=1770974798&Signature=VhVBDFk~7mkPscP5XwxO4zF8yMAxncrjHHjAGCOhwzLDelU30T-Ovfy2WN5n0-pnduGmLGXteHmvqAivVQyzN6zifbpy00kVGoxn3uDafFxINi6chWeJj06asfEPwJE~Sd45LlgisKcTgHLDuNfiJPl7WSMgrBhIAyvWVlqwVIDfCg7asbzOWIrEw0dke3MfNaEAiUODB3mWF8hPdUqtkdeSrLDwIroJWyhGJmwB~UAb8BGxSiS0eFkJAVGW94I162zRT9mbfzcuJRMN8yzUQrxPrIXGYw5BIf4cOwKk5W4J6cqrRuKmSlQt1rMA0ffhH0dZheRdGB-XCpqUs7~voQ__&Key-Pair-Id=KUT5TJCACFTXG","author","Georgia State Legislature","date","2025-02-19T00:00:00Z","article","The House Banks and Banking Committee passed House Bill 377, a measure intended to clarify lien and title treatment when manufactured housing is converted from titled personal property to real property by recording a Certificate of Permanent Location.

Representative Rob Leverett, presenting the bill, said current law lets owners surrender a certificate of title and record the home as real property, but lenders and buyers have raised questions about whether existing liens survive that conversion. Leverett said the bill clarifies that a lenderâ€™s lien will be preserved when the certificate is surrendered and that lenders retain enforcement rights even after the home is treated as real estate.

â€œThe primary function of this bill is making it a little simpler to do all that and to make it clear that the lien of the lender doesnâ€™t get scrubbed out or extinguished by going through that process,â€� Leverett said. He told the committee the change is intended to encourage more lending in the manufactured-housing market by reducing legal and administrative uncertainty.

Leverett explained the current practice: manufactured homes typically have a certificate of title, like a motor vehicle, showing lienholders; surrendering that title and recording a Certificate of Permanent Location in the county real estate records converts the home to real property. The bill intends to make clear how lendersâ€™ rights and lien perfection operate through that transition and confirms statutory remedies remain available.

Members asked whether the certificate could be surrendered without the lienholderâ€™s sign-off and how a homeowner ensures lien satisfaction is recorded; Leverett said the statute addresses enforcement and that lenders typically must record satisfactions in the real estate records, with penalties for failure to file satisfactions after payoff. Committee members also asked how the rule applies in mobile-home parks or when owners do not own the land; Leverett said the certificate of permanent location generally requires common ownership of the home and land.

Members asked about tiny homes and how zoning might intersect; Leverett said a tiny home that is mobile would likely be treated as manufactured housing, while a tiny home placed on a permanent foundation would be treated as real property and subject to local zoning rules.

A motion to pass was made and seconded; the committee adopted the bill by voice vote. The transcript shows the committee approved the measure but does not provide a roll-call tally.","mediaType","Video","parentTitle","02.19.25 Banks & Banking","oneSentenceSummary","House Bill 377 clarifies how liens on manufactured homes interact with surrender of a certificate of title and conversion of the home to real property, aiming to preserve lender liens and streamline the process for owners and lenders.","taxTitle","2025 Legislature Georgia , Georgia","taxId",77688,"location","Georgia","headline","","shortSummary",{"_33":77,"_35":36,"_37":38,"_39":78,"_41":79,"_43":80,"_45":81,"_47":82,"_49":83,"_51":84,"_53":85,"_55":56,"_57":58,"_59":86,"_61":62,"_63":64,"_65":87,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},6322543,"Committee advances bill to ban sale of mortgage 'trigger leads'",456,1684000,2140000,"/Search/View?dp=1&key=2347294-878d661625791231825b8e099750db24&start=1684&end=2140","https://assets.pipeline.soar.com/2347294-878d661625791231825b8e099750db24/thumbnail_1684000.jpg","/articles/6322543/Georgia/Committee-advances-bill-to-ban-sale-of-mortgage-trigger-leads","https://secure.pipeline.soar.com/6322543-c25ce19d77b4e7caa72a66c9f2c65ac2/orig.mp4?Expires=1770974798&Signature=KHjGH7tLvHCHKfHgjsjqT4cxMfiFndg4qy2vEElx477jfEexjURTVWk1-vDrCpkJPE6Svgalzf3rZsRng~YUsuNroSKi6Uwedcxc6P56OwiP2l9wxniRst-EhqkaW1-4e~y85S4XHsjoVPaAmm9dzRVUKKZPngAgAboCeJW7xOYfrB6PpE6F~Z2mIryWRvVLqj36YS6LoW~uOaXb8KcgjelsJtixZsDprlMd3BmVnvzeEXLjf0xSm59pqaPKK6Pxhe3B22z3cL-bSBYsGaxDci~cmEPAbh5BOqFX3Ukxbr67vbDidhRGckIfdVX~WIwlhi-dwqG1UD1LjhmL2VigbQ__&Key-Pair-Id=KUT5TJCACFTXG","The House Banks and Banking Committee passed House Bill 240, legislation that would restrict marketing uses of consumer data created when a lender pulls a credit report for a mortgage application, commonly called â€œtrigger leads.â€�

Sponsor remarks framed the bill as a consumer-privacy measure designed to reduce deceptive marketing and unsolicited contact that can follow a mortgage credit pull. The presenter said the legislation would ban trigger leads while preserving the ability of servicers and original lenders to contact their own customers.

The bill sponsor described how a mortgage credit pull can lead credit-reporting companies or lead brokers to sell the resulting consumer contact information to marketers, which can produce misleading solicitations or attempts to steer borrowers into less favorable loans. The presenter said the Mortgage Bankers of Georgia strongly supports the measure.

The sponsor noted the proposal had passed committee unanimously in the previous legislative session but did not advance to final passage. â€œThis is a consumer friendly across the board,â€� the presenter said, adding he had not received opposition in his discussions and describing the bill as a clarification of best practices to protect consumers from confusing solicitations.

During the hearing committee members asked whether language had changed since last year; the presenter said it was â€œapples to applesâ€� with the prior version. Representative questions included requests for practical details about the consumer notice the bill would require; the sponsor said the notice would be in a form consumers sign or receive in practice.

Consumer advocate Liz Coyle of Georgia Watch testified in support of the bill and thanked the sponsor for the protections it would provide.

A motion to pass the bill was made and seconded; the committee approved the measure by voice vote. The transcript records the voice approval but does not include a roll-call tally or named vote count.","House Bill 240 would prohibit sale of consumer contact data generated when lenders pull mortgage credit reports (so-called trigger leads), while allowing original servicers to contact their existing customers; the committee passed the bill by voice vote.",{"_33":89,"_35":36,"_37":38,"_39":90,"_41":91,"_43":92,"_45":93,"_47":94,"_49":95,"_51":96,"_53":97,"_55":56,"_57":58,"_59":98,"_61":62,"_63":64,"_65":99,"_67":68,"_69":70,"_71":72,"_73":74,"_75":74},6322548,"Committee approves bill to regulate earned-wage access providers as lenders",643,981000,1624000,"/Search/View?dp=1&key=2347294-878d661625791231825b8e099750db24&start=981&end=1624","https://assets.pipeline.soar.com/2347294-878d661625791231825b8e099750db24/thumbnail_981000.jpg","/articles/6322548/Georgia/Committee-approves-bill-to-regulate-earned-wage-access-providers-as-lenders","https://secure.pipeline.soar.com/6322548-4bca19d4519d451d12f10f3fd74b69d0/orig.mp4?Expires=1770974798&Signature=ODc7a3PccO5ZHJNFpIWdyG8tJu5IiLv3V7EPTPM1v-Po~XDW-fajE3ql1klAWzu7lP0p9XKGWFEXebL0SejNK3XBF3nT-rBSGwGp0zi9CRDy-fhcpxDnst3wRNauqnzZCj3xd0ApWdFdeomAwVagKb~6RjOZTYrzrHyTEzmVxy6y2qT1qxvFj~voRnVGHkBbK3Cju8Lb1NG1Epox-4MIWXgXPtwc4EnSEM1sbCw6iEJaU-wjVA5alF-XFbD5HUQVzwACCAxz7wbigOlrXfedDUcjp3pYaDtAYt5sgbPBU4i-r0r4L1rzuVxXEA2-MWmA~ZuDh34uqod5pzDPCzy~~g__&Key-Pair-Id=KUT5TJCACFTXG","The Georgia House Banks and Banking Committee voted to pass House Bill 241, a proposal to treat certain earned-wage access (EWA) products as loans regulated under Georgia lending statutes and to permit a convenience fee of up to $5 for instant transfers by licensed lenders.

The measure aims to provide regulatory clarity for EWA services—products that let workers access wages as they earn them rather than waiting for payday—by explicitly allowing providers that classify their advances as loans to operate under the stateâ€™s existing lending framework.

Chairman Trey Rhodes said the bill “provides regular regulatory clarity for certain types of earned wage access in Georgia and enhances consumer protections for our consumers.” Rhodes described EWA as a tool many workers find helpful to cover rent, utilities and other expenses that arise between paychecks.

Nick Stowell, who identified himself as representing Chime Financial, described his companyâ€™s MyPay product and how it would operate under the bill. “One of our newest products, which is called MyPay, is an earn wage access service that allows our customers to access their wages as they earn them ... for free, or for $2, if they want to access that money instantly,” Stowell said. He added that Chime treats MyPay as a loan so the company can fit within current lending statutes and, under the bill, a convenience fee up to $5 would be permissible for EWA advances structured as loans.

Consumer advocates urged further limits. Liz Coyle, executive director of Georgia Watch, said the organization appreciates the billâ€™s approach but recommended two changes: lowering the convenience-fee cap from $5 to $3 and inserting explicit 24-hour language to confirm the free option. “We think that would be the one area where weâ€™d really like to see maybe a slightly lower from 5 to 3 for the expedite fee,” Coyle said, and urged specifying that consumers who decline instant access receive funds within 24 hours.

Committee members asked practical questions during the review. Stowell said Chime offers access within 24 hours for customers who do not pay the expedite fee, and that Chime allows customers to access up to 50% of earned wages up to $500 per pay period. When asked whether the industry broadly supports the approach, Stowell said he could not speak for the whole industry but that some providers are classifying their products as loans to come under lending statutes.

A motion to pass the bill was made and seconded; the committee adopted the measure by voice vote. The record in the transcript indicates approval by voice but does not list a roll-call tally or named votes.

The bill as passed by committee keeps the existing lending framework in place and adds an explicit convenience-fee allowance for licensed Georgia installment lenders that offer EWA advances as loans.","The House Banks and Banking Committee voted to pass House Bill 241, which clarifies that earned-wage access (EWA) products offered as loans fall under existing Georgia lending laws and permits a convenience fee up to $5 for instant transfers by licensed lenders.","actionData","errors"]

Article not found

Committee clears bill clarifying liens and title rules for manufactured housing

Committee advances bill to ban sale of mortgage 'trigger leads'

Committee approves bill to regulate earned-wage access providers as lenders