2025 Georgia Codes – Page 101

Any person who, without the acquirer’s express authorization, employs or solicits an authorized merchant or
any agent or employee of such merchant to remit to an issuer or acquirer, for payment, a financial transaction
card record of a sale, which sale was not made by such merchant, agent, or employee, commits the offense
of criminal factoring of financial transaction card records. Conviction of criminal factoring of financial trans-
action card records shall be punishable as provided in subsection (b) of Code Section 16-9-38.

(a) Any person who has been issued or entrusted with a financial transaction card for specifically authorized
purposes, provided such authorization is in writing stating a maximum amount charges that can be made
with the financial transaction card, and who uses the financial transaction card in a manner and for purposes
not authorized in order to obtain or purchase money, goods, services, or anything else of value shall be pun-
ished as provided in subsection (a) of Code Section 16-9-38.
(b) Any person who has been issued or entrusted with a financial transaction card by a government for spe-
cifically limited and specifically authorized purposes, provided such limitations and authorizations are in
writing, and who uses the financial transaction card in a manner and for purposes not authorized shall be
punished as provided in subsection (b) of Code Section 16-9-38.