GA HB1034

Financial institutions must provide customers a free "account safety lock" accessible by phone and online that blocks new payees, sets transfer limits to zero, and terminates online sessions until the customer re-verifies identity in person, by notarized instructions, or verified callback number

Banks must implement temporary emergency holds of up to 72 hours on suspected fraudulent transfers when customers report fraud or when fraud indicators are detected (such as remote access software, first-time payees, or unusual device/location data), with a possible 72-hour extension if law enforcement requests or a police report is filed

Criminalizes using web pages, emails, voice communications (including AI-generated speech), or electronic messages to fraudulently solicit identifying information or remote device access while impersonating a business, punishable by 1-20 years imprisonment and fines of $1,000 to $500,000

Creates the Georgia Financial Fraud Victims Relief Fund to reimburse eligible victims up to $10,000 per incident and $20,000 per year for uncompensated losses from financial fraud, administered by the Criminal Justice Coordinating Council

Requires the Attorney General to establish a centralized web portal and toll-free hotline for fraud reporting, conduct annual public awareness campaigns, and develop law enforcement training programs on technology-enabled fraud including AI voice impersonation