The Paper Trail — Compliance Register

Georgia’s Lemon Law covers new motor vehicles purchased or leased in Georgia within 24 months or 24,000 miles.

Georgia’s Lemon Law presumption triggers after three (3) repair attempts for the same defect during the coverage window.

Georgia’s Lemon Law presumption also triggers after one (1) repair attempt for a defect that presents a serious safety risk.

Georgia’s Lemon Law presumption triggers after thirty (30) cumulative days out of service during the coverage window.

Georgia designates BBB Auto Line as the state-certified informal dispute settlement mechanism required under O.C.G.A. § 10-1-786.

Georgia’s Lemon Law covers new motor vehicles only; used vehicles are excluded per O.C.G.A. § 10-1-780.

Georgia’s Lemon Law excludes vehicles with gross vehicle weight rating over 12,000 pounds.

Georgia Title Ad Valorem Tax (TAVT) rate is 7.0% in 2026 under O.C.G.A. § 48-5C-1(b).

Georgia TAVT rate was temporarily reduced to 6.6% from January 1, 2020 through June 30, 2023, then reverted to 7.0%.

Georgia TAVT is a one-time levy assessed at title transfer, replacing sales tax and annual ad valorem tax on covered motor vehicles as of March 1, 2013.

Georgia TAVT trade-in credit reduces the fair market value tax base under O.C.G.A. § 48-5C-1(b)(1)(C).

Georgia does not cap dealer document fees by statute; the fee must be disclosed and applied uniformly under O.C.G.A. § 10-1-393(b)(14).

FTC Used Car Rule at 16 CFR § 455 requires dealers to post a Buyers Guide on used vehicles offered for sale.

FTC 2026 civil penalty maximum for Used Car Rule violations is $53,088 per violation.

FTC 2024 civil penalty maximum for Used Car Rule violations was $50,120 per violation, published at 89 FR 1445.

FTC Spanish-language Buyers Guide amendment requires directing consumers to request the Spanish version when the sale is conducted in Spanish; compliance deadline was January 27, 2018.

CFPB Larger Participant Rule for auto financing at 12 CFR § 1090.108 sets a 10,000 aggregate annual origination threshold for CFPB supervisory authority over nonbank auto lenders.

Dodd-Frank at 12 U.S.C. § 5519 exempts most motor vehicle dealers from CFPB supervisory and rulemaking authority.

Truth in Lending Act at 15 U.S.C. § 1638 requires disclosure of Amount Financed, Finance Charge, Annual Percentage Rate, Total of Payments, and Payment Schedule on closed-end consumer credit including auto loans.

TILA statutory damages under 15 U.S.C. § 1640 cap at lesser of $1,000,000 or 1% of creditor’s net worth for class actions.

SCRA at 50 U.S.C. § 3937 caps interest at 6% per annum on pre-service auto loans upon written notice with military orders.

SCRA at 50 U.S.C. § 3955 permits servicemembers to terminate motor vehicle leases upon entry into active duty (180+ days), PCS orders outside CONUS, or deployment (180+ days).

Federal Odometer Act at 49 U.S.C. § 32705 requires written mileage disclosure at every motor vehicle title transfer; § 32710 provides private civil action for treble damages or $10,000 whichever is greater plus attorney’s fees.

Georgia FBPA at O.C.G.A. § 10-1-399 provides for treble damages up to $5,000 punitive plus attorney’s fees for successful private plaintiffs, with 30-day demand letter procedure required.

Georgia is a one-party consent state for recording under O.C.G.A. § 16-11-66; a party to a conversation can lawfully record without notifying other participants.