Ga. Comp. R. & Regs. 80-14-4-.05
O.C.G.A. § 7-3-4 provides that no person shall make installment loans in this state without a license unless such person is exempt from the requirements of licensure. For a transaction requested in person, "in this state" means at a physical location within this state. For a transaction requested electronically or by telephone, the installment lender may determine if the person requesting the transaction is "in this state" by relying on information provided by the person regarding the location of an individual's residence, and any records associated with the person that the installment lender may have that indicate such location, including but not limited to an address associated with an account.
Ga. Comp. R. & Regs. R. 80-14-4-.05
O.C.G.A. §§ 7-3-4, 7-3-51.