A BILL to be entitled an Act to amend Titles 7, 10, and 53 of the O.C.G.A., relating to banking and finance, commerce and trade, and wills, trusts, and administration of estates, respectively, so as to update terminology; to revise procedures concerning incorporators of banks and trust companies; to revise requirements of articles of incorporation of banks and trust companies; to revise procedures concerning approval of banks and trust companies; to revise provisions concerning certain loans made by credit unions; to remove a requirement that certain mortgage brokers register with the Department of Banking and Finance; to provide for certain requirements of foreign banks; to provide for refund of installment loan closing fees; to revise requirements of merchant acquirer limited purpose banks; to provide for exceptions; to revise the definition of bona fide discount points; to conform cross-references; to provide for effective dates; to provide for related matters; to repeal conflicting laws; and for other purposes.