A BILL to be entitled an Act to amend Title 44 of the Official Code of Georgia Annotated, relating to property, so as to revise provisions relating to foreclosure of security deeds; to change provisions relating to the transfer of security deeds; to require recording prior to foreclosure; to provide for owners' rights to obtain payoff balances from creditors; to change provisions relating to the timing, contents, and manner of delivery of foreclosure notices; to amend Title 16 of the Official Code of Georgia Annotated, relating to crimes, so as to change provisions relating to the crime of residential mortgage fraud; to provide for the crime of residential foreclosure fraud and prescribe elements of the crime and penalties; to provide for other matters related to the foregoing; to provide for an effective date and applicability; to repeal conflicting laws; and for other purposes.