Ohio Revised Code Search

...The superintendent of financial institutions shall include, as part of the annual report required by section 1181.09 of the Revised Code, the number of complaints received, the number of enforcement actions taken, and any other relevant data regarding covered loans.

...The superintendent of financial institutions may, in accordance with Chapter 119. of the Revised Code, adopt reasonable rules to administer and enforce sections 1349.25 to 1349.35 of the Revised Code and to carry out the purpose of those sections as stated in section 1349.32 of the Revised Code.

...of the office shall, at a minimum, include all of the following: (A) Providing education to residents of this state regarding borrowing and related financial topics; (B) Providing referrals to credit counseling services; (C) Receiving complaints regarding alleged failures to comply with section 1349.26 or 1349.27 of the Revised Code; (D) Contacting the persons that are the subject of such complaints, on behalf of...

...idual to whom credit is offered or extended primarily for personal, family, or household purposes. (2) "Lender" means a nonbank mortgage lender as defined in section 1345.01 of the Revised Code. "Lender" does not include a person that purchases or is assigned a loan or that functions solely as the servicer of a loan. (3) "Mortgage" has the same meaning as in section 1322.01 of the Revised Code. (B) A lender shall ...

...se accessible through the internet that contains information on all of the following: (1) The enforcement actions taken by the superintendent of financial institutions for each violation of or failure to comply with any provision of Chapter 1322. of the Revised Code, upon final disposition of the action; (2) The enforcement actions taken by the attorney general under Chapter 1345. of the Revised Code against loan...

... (3) Outreach efforts of the office of consumer affairs to provide education regarding predatory lending, borrowing, and related financial topics. (B) The information required under divisions (A)(1) and (2) of this section does not include information that, pursuant to section 1322.36 of the Revised Code, is confidential.

...or logo of any financial institution in connection with the sale, offering for sale, distribution, or advertising of any product or service without the express written consent of the financial institution, if such use is misleading or deceptive as to the source of origin or sponsorship of, or the affiliation with, the product or service.

... 1128 (1970), 15 U.S.C.A. 1681a, as amended. (2) "Licensed resident insurance agent" means any natural person or business entity licensed as a resident insurance agent under section 3905.06 of the Revised Code. (B) No consumer reporting agency shall sell or otherwise furnish any information relative to an individual's insurance coverage that was submitted, in whole or in part, in conjunction with an insurance compa...

...the Revised Code: (1) "Adult protected consumer" means a protected consumer who is not a minor protected consumer. (2) "Consumer credit reporting agency" means any person that, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of maintaining consumers' credit information for the purpose of furnishing credit reports to third parties. (3) "Credit repo...

...ted consumer's credit report shall provide to the credit reporting agency sufficient proof of authority and, for both the representative and the protected consumer, sufficient proof of identity. (B)(1) A consumer credit reporting agency shall place a security freeze on a credit report not later than thirty days after receiving a request pursuant to division (A)(1) of this section and the information required pursua...

...) of section 1349.52 of the Revised Code, the consumer may file a civil action against the consumer credit reporting agency. In the civil action, the consumer may recover all of the following: (1) Actual damages sustained by the consumer as a result of the consumer credit reporting agency's failure to comply with division (C) or (J) of section 1349.52 of the Revised Code or damages of not less than one hun...

...ain on the front page, appropriately headed and in at least twelve-point bold type, the following disclosures: (a) The total dollar amount to be advanced to the consumer; (b) An itemization of one-time fees; (c) The total dollar amount to be repaid by the consumer, in six-month intervals for thirty-six months, and including all fees; (d) The annual percentage rate of return, calculated as of the last day of e...

...ucing the total amount for which the holder of the gift card may redeem the gift card. (B) A gift card sold without an expiration date is valid until redeemed or replaced with a new gift card. (C) Division (A) of this section does not apply to any of the following gift cards: (1) A gift card that is distributed by the issuer to a consumer pursuant to an awards, loyalty, or promotional program without any money or ...

... to 1349.76 of the Revised Code: (A) "Consumer product" has the same meaning as in section 101 of the "Magnuson-Moss Warranty-Federal Trade Commission Improvement Act," 15 U.S.C. 2301 and 16 C.F.R. 700.1. (B) "High-volume third party seller" means a participant on an online marketplace's platform that is a third party seller and that, in any continuous twelve-month period during the previous twenty-four months, h...

... payment processor or other third party contracted by the online marketplace to maintain such information, provided that the online marketplace ensures that it can obtain such information on demand from such payment processor or other third party. (2) Contact information for such seller as follows: (a) With respect to a high-volume third party seller that is an individual, the individual's name. (b) With respec...

...nt-issued tax document, any information contained in such document shall be presumed to be verified as of the date of issuance of such document.

...Data collected solely to comply with the requirements of this chapter shall not be used for any other purpose unless required by law.

...m unauthorized use, disclosure, access, destruction, or modification.

...ibed in division (B) of this section to consumers in a clear and conspicuous manner both in: (a) The order confirmation message or other document or communication made to a consumer after a purchase is finalized; (b) The consumer's account transaction history. (B) The information required to be provided and disclosed by division (A) of this section is both of the following: (1) Except as provided in section ...

...which such seller resides; (b) Inform consumers that there is no business address available for the seller and that consumer inquiries should be submitted to the seller by telephone, electronic mail, or other means of electronic messaging provided to such seller by the online marketplace. (2) If such seller certifies to the online marketplace that the seller is a business that has a physical address for product r...

...An online marketplace shall disclose to consumers in a clear and conspicuous manner on the product listing of any high-volume third-party seller a reporting mechanism that allows for electronic and telephonic reporting of suspicious marketplace activity to the online marketplace.

...ot comply with the requirements to provide and disclose information under sections 1349.70 and 1349.71 of the Revised Code, the online marketplace shall, after providing the seller with written or electronic notice and an opportunity to provide or disclose such information not later than ten days after the issuance of such notice, suspend any future sales activity of such seller until the seller complies with such re...

...to 1349.74 of the Revised Code shall be construed to limit the authority of the attorney general under any other provision of law.

...ons 1349.65 to 1349.74 of the Revised Code, or the application thereof to any person or circumstance, is held invalid, the remainder of those provisions and the application of such provision to other persons not similarly situated or to other circumstances shall not be affected by the invalidation.

...ons 1349.65 to 1349.76 of the Revised Code is to establish a statewide, comprehensive enactment that applies to all parts of the state, operates uniformly throughout the state, and sets forth police regulations. No political subdivision as defined in section 2744.01 of the Revised Code shall establish, mandate, or otherwise require online marketplaces or sellers to undertake different or additional measures to verify...