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The Legislative Service Commission staff updates the Revised Code on an ongoing basis, as it completes its act review of enacted legislation. Updates may be slower during some times of the year, depending on the volume of enacted legislation.

Ohio Revised Code Search

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consumers protection act
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Section 3904.21 | Action by person whose rights are violated.

...ed to a monetary award that exceeds the actual damages sustained by the individual as a result of a violation of section 3904.13 of the Revised Code. (C) In any action brought pursuant to this section, the court may award the cost of the action and reasonable attorney's fees to the prevailing party. (D) An action under this section must be brought within two years from the date the alleged violation is or should ha...

Section 3904.22 | Authorized disclosures of personal or privileged information - immunity.

...No cause of action in the nature of defamation, invasion of privacy, or negligence shall arise against any person for disclosing personal or privileged information in accordance with sections 3904.01 to 3904.22 of the Revised Code, nor shall such a cause of action arise against any person for furnishing personal or privileged information to an insurance institution, agent, or insurance support organization. However, ...

Section 3905.01 | Insurance producers licensing act definitions.

...Affordable Care Act" means the "Patient Protection and Affordable Care Act," 124 Stat. 119, 42 U.S.C. 18031 (2011). (B) "Business entity" means a corporation, association, partnership, limited liability company, limited liability partnership, or other legal entity. (C) "Home state" means the state or territory of the United States, including the District of Columbia, in which an insurance agent maintains the insura...

Section 3905.02 | License required.

...No person shall sell, solicit, or negotiate insurance in this state unless the person is licensed for that line of authority in accordance with this chapter.

Section 3905.03 | Exceptions to licensing requirement.

... any of the following applies: (a) The activities of the officer, director, or employee are executive, administrative, managerial, clerical, or any combination thereof, and are only indirectly related to the sale, solicitation, or negotiation of insurance. (b) The function of the officer, director, or employee relates to underwriting, loss control, inspection, or the processing, adjusting, investigation, or settlin...

Section 3905.04 | Written examination of applicant for agent license.

... necessary arrangements, including contracting with an outside testing service, for the administration of the examinations and the collection of the fees required by this section.

Section 3905.041 | Exceptions to program of insurance education or examination requirement.

...(A)(1) An individual who applies for a resident insurance agent license in this state within ninety days after establishing a principal place of residence or principal place of business in this state shall not be required under section 3905.04 of the Revised Code to complete a program of insurance education or to pass a written examination if the individual has paid all applicable fees required under this chap...

Section 3905.05 | Application for resident insurance agent license.

...he Revised Code. (B) A business entity acting as an insurance agent shall apply for a resident insurance agent license by submitting to the superintendent the uniform business entity application or any other application prescribed by the superintendent and paying any applicable fees required under this chapter. (C) The superintendent may require an applicant to submit any document reasonably necessary to verif...

Section 3905.051 | Criminal records check; fingerprinting; confidentiality.

...he superintendent of insurance may contract for the collection and transmission of fingerprints authorized under this section. The superintendent may order the fee for collecting and transmitting fingerprints to be payable directly to the contractor by the applicant. The superintendent may agree to a reasonable fingerprinting fee to be charged by the contractor. Any fee required under this section shall be paid by th...

Section 3905.06 | Issuance and contents of license - lines of authority.

...(b) The applicant has not committed any act that is a ground for the denial, suspension, or revocation of a license under section 3905.14 of the Revised Code. (c) If required under section 3905.04 of the Revised Code, the applicant has completed a program of insurance education for each line of authority for which the applicant has applied. (d) If required under section 3905.04 of the Revised Code, the applicant ...

Section 3905.061 | Agent to file of change of address.

...(A) If a person licensed as an insurance agent under section 3905.06 of the Revised Code changes the person's address within the state, the person shall, within thirty days after making that change, file a change of address with the superintendent of insurance or the superintendent's designee. (B)(1) If a person licensed as an insurance agent under section 3905.06 of the Revised Code changes the person's home ...

Section 3905.062 | Portable electronics insurance.

...ng: (a) A consumer goods service contract governed by section 3905.423 of the Revised Code; (b) A policy of insurance covering a seller's or a manufacturer's obligations under a warranty; (c) A homeowner's, renter's, private passenger automobile, commercial multi-peril, or similar insurance policy. (7) "Portable electronics transaction" means the sale or lease of portable electronics by a vendor to a customer...

Section 3905.063 | Self-service storage insurance; license required.

...ing: (i) A consumer goods service contract governed by section 3905.423 of the Revised Code; (ii) A policy of insurance covering a seller's or a manufacturer's obligations under a warranty; (iii) A homeowner's, renter's, private passenger automobile, or similar insurance policy. (8) "Self-service storage rental agreement" means a written agreement containing the terms and conditions governing the use of storage s...

Section 3905.065 | Travel insurance agent license; travel protection plans; policy requirements.

...rol. (H)(1) All documents provided to consumers prior to the purchase of travel insurance, including sales materials, advertising materials, and marketing materials, shall be consistent with the travel insurance policy itself, including forms, endorsements, policies, rate filings, and certificates of insurance. (2) For travel insurance policies or certificates that contain pre-existing condition exclusions, infor...

Section 3905.066 | Travel retailers.

...escription of the material terms or the actual terms of the insurance coverage; (b) A description of the process for filing a claim; (c) A description of the review or cancellation process for the travel insurance policy; (d) The identity and contact information of the insurer and limited lines travel insurance agent. (2)(a) The limited lines travel insurance agent designates one of the agent's employees, who...

Section 3905.067 | Unfair and deceptive acts or practices.

...have engaged in an unfair and deceptive act or practice in the business of insurance as defined in section 3901.21 of the Revised Code and is subject to section 3905.14 of the Revised Code. (C) Both of the following shall be considered an unfair and deceptive act or practice in the business of insurance, as defined in section 3901.21 of the Revised Code, and are subject to, in addition to the penalties prescribed i...

Section 3905.068 | Tax on travel insurance premiums.

...(A) A travel insurer shall pay premium tax, as provided in Chapters 5725. and 5729. of the Revised Code, on travel insurance premiums paid by any of the following: (1) An individual primary policyholder who is a resident of this state; (2) A primary certificate holder who is a resident of this state who elects coverage under a group travel insurance policy; (3)(a) A blanket travel insurance policyholder, when ...

Section 3905.069 | Travel administrators.

...IX of the Revised Code, no person shall act or represent the person's self as a travel administrator for travel insurance in this state unless that person holds one of the following licenses in good standing in this state: (1) Property and casualty license; (2) Managing general agent license; (3) Third-party administrator license. (B)(1) A travel insurer is responsible for the acts of a travel administrator ...

Section 3905.0610 | Classification of travel insurance; eligibility and underwriting standards.

... developed and provided based on travel protection plans designed for individual or identified marketing or distribution channels, provided those standards also meet the state's underwriting standards for inland marine.

Section 3905.0611 | Rules.

...The superintendent may adopt rules as needed to implement sections 3905.064 to 3905.0611 of the Revised Code.

Section 3905.07 | Nonresident insurance agent or surplus lines broker license; renewal.

...(4) The applicant has not committed any act that is a ground for the denial, suspension, or revocation of a license under section 3905.14 of the Revised Code. (5) The applicant is honest and trustworthy and is otherwise suitable to be licensed. (6) The applicant's home state issues nonresident insurance agent licenses to residents of this state on the same basis as set forth in division (A) of this section. (7)...

Section 3905.071 | Nonresident to file change of address.

...(A)(1) If a nonresident person licensed as a nonresident insurance agent under section 3905.07 of the Revised Code changes the person's address within the person's state of residence, the person shall, within thirty days after making that change, file a change of address with the superintendent of insurance or the superintendent's designee. (2) If a nonresident person licensed as a nonresident insurance agent...

Section 3905.072 | Nonresident limited lines insurance agent license.

...Notwithstanding any other provision of this chapter, the superintendent of insurance shall issue to a nonresident person licensed as a limited line credit insurance agent or other type of limited lines insurance agent in the person's home state a nonresident limited lines insurance agent license in accordance with division (A) of section 3905.07 of the Revised Code, with the same scope of authority as the person has ...

Section 3905.08 | Reciprocity.

...) A nonresident insurance agent's satisfaction of the continuing education requirements for insurance agents of the agent's home state shall constitute satisfaction of the continuing education requirements for insurance agents of this state as set forth in section 3905.481 of the Revised Code.

Section 3905.081 | Waiving licensing requirement for nonresident persons in violation of federal reciprocity requirements.

...f the "Financial Services Modernization Act of 1999," 113 Stat. 1338, 15 U.S.C.A. 6751.