title: US-GA — Correspondent Banking, Settlement & Access (W12) | World Payments Monitor canonical: https://payments.gi/jurisdictions/united-states-georgia/w12/ ### W12 Correspondent Banking, Settlement & Access Confirmed re-verified 2026-10-18 · changed 2026-07-05 Georgia's settlement/correspondent-banking access runs through the Federal Reserve Bank of Atlanta (Sixth District, headquartered in Atlanta), which supervises state member banks, operates the nationwide payment system including FedNow, and runs a community-development function addressing CRA-linked access for underserved communities. No Georgia-specific de-risking dataset was located. Standing sub-brief · as of 7 July 2026 131 words · last cycle 2026-07-05 #### Correspondent Banking, Settlement & Access The Federal Reserve Bank of Atlanta, covering the Sixth District and headquartered in Georgia, supervises regional and community banking organizations, operates FedNow and the nationwide payment system, and runs a CRA-linked community-development function. This federal-anchored structure means direct settlement access in Georgia runs primarily through bank charters and Federal Reserve relationships, while non-bank payment institutions rely on correspondent or partner-bank arrangements to reach the same settlement rails — the structural access asymmetry that frames this module nationally. No Georgia-specific correspondent-banking de-risking dataset was located to quantify how that asymmetry plays out for Georgia-based non-bank PSPs specifically. #### Outlook Absent a Georgia-specific de-risking dataset, this module's Georgia coverage remains anchored to the Atlanta Fed's general supervisory and settlement functions; closing that data gap is a standing research priority. no periodic updates on record for this sub-brief ** Sources and findings (4 unique sources · R-3/R-4)** 1. [W12-E1] T1 Derived: Confirmed [in_force https://www.federalreserve.gov/aboutthefed/federal-reserve-system-atlanta.htm](https://www.federalreserve.gov/aboutthefed/federal-reserve-system-atlanta.htm) re-verified 2026-07-05 The Federal Reserve Bank of Atlanta, headquartered in Georgia, covers Alabama, Florida and Georgia plus parts of Tennessee, Louisiana and Mississippi, with branch banks in Birmingham, Jacksonville, Miami, Nashville and New Orleans. 2. [W12-E2] T1 Derived: Confirmed [in_force https://www.atlantafed.org/what-we-do/banking-supervision-and-lending/banking-supervision-resources](https://www.atlantafed.org/what-we-do/banking-supervision-and-lending/banking-supervision-resources) re-verified 2026-07-05 The Atlanta Fed supervises regional and community banking organizations (assets under $100 billion) via a risk-focused approach targeting examination resources to higher-risk areas, underpinning correspondent and settlement access for Georgia-chartered institutions. 3. [W12-E3] T1 Derived: Confirmed [in_force https://www.atlantafed.org/community-development/about-us](https://www.atlantafed.org/community-development/about-us) re-verified 2026-07-05 The Atlanta Fed's community development function arose from its bank-supervisory responsibilities, helping ensure Georgia banks comply with fair lending laws and the Community Reinvestment Act, meeting credit needs of underserved and rural communities in the Sixth District. 4. [W12-E4] T1 Derived: Confirmed [in_force https://dbf.georgia.gov/document/document/2023-dbf-final-rulemaking-7-7-23-0/download](https://dbf.georgia.gov/document/document/2023-dbf-final-rulemaking-7-7-23-0/download) re-verified 2026-07-05 DBF Rule 80-1-2 extends examination authority over third-party service providers engaged via bank/credit union service contracts, indirectly covering correspondent and agency relationships supporting Georgia state-chartered institutions' settlement access.