Ohio Revised Code Search

...hase or who purchases the services of a credit services organization for purposes other than obtaining a business loan as described in division (B)(6) of section 1343.01 of the Revised Code. (B) "Consumer reporting agency" has the same meaning as in the "Fair Credit Reporting Act," 84 Stat. 1128, 15 U.S.C.A. 1681a, as amended. (C)(1) "Credit services organization" means any person that, in return for the payment of...

...(A) A credit services organization shall file a registration application with, and receive a certificate of registration from, the division of financial institutions before conducting business in this state. The registration application shall be accompanied by a one-hundred-dollar fee and shall contain all of the following information: (1) The name and address of the credit services organization; (2) The name a...

...After notice and a hearing conducted in accordance with Chapter 119. of the Revised Code, the superintendent of financial institutions may suspend, revoke, or refuse to issue or renew a certificate of registration if any of the following conditions applies to the applicant for registration or registrant: (A) The applicant or registrant obtained a certificate of registration through any false or fraudulent representa...

...oney or other valuable consideration, a credit services organization shall provide the buyer with a written statement containing all of the following information: (1) A complete and detailed description of the services to be performed by the organization for the buyer and the total cost of the services; (2) A statement explaining the buyer's rights against the surety bond required pursuant to section 4712.06 of the...

...) Each contract between the buyer and a credit services organization for the purchase of the services of the organization shall be in writing, dated and signed by the buyer, and shall include all of the following: (1) A statement, in type that is boldfaced, capitalized, underlined, or otherwise conspicuously set out from surrounding written material and that is in immediate proximity to the space reserved for the s...

...(A) No credit services organization shall conduct business in this state unless the organization has obtained a surety bond issued by a surety company authorized to do business in this state and all of the following conditions are met: (1) A copy of the bond is filed with the division of financial institutions. (2) The bond is in favor of any person, and of the state for the benefit of any person, that is injured b...

...No credit services organization, salesperson, agent, or representative of a credit services organization, or independent contractor that sells or attempts to sell the services of a credit services organization shall do any of the following: (A) Charge or receive directly or indirectly from a buyer money or other consideration readily convertible into money until all services the organization has agreed to perform fo...

...No credit services organization shall sell, provide, or perform any of the services authorized under division (C)(1) of section 4712.01 of the Revised Code in connection with an extension of credit that meets any of the following conditions: (A) The amount of credit is less than five thousand dollars. (B) The repayment term is one year or less. (C) The annual percentage rate exceeds twenty-eight per cent. For...

...No credit services organization shall do any of the following: (A) Obtain a certificate of registration through any false or fraudulent representation or make any substantial misrepresentation in any registration application; (B) Make false promises through advertising or other means in the conduct of its business or engage in a continued course of misrepresentations in the conduct of its business; (C) Engage in c...

...(A) No credit services organization shall cause or attempt to cause a buyer to waive a right under sections 4712.01 to 4712.14 of the Revised Code. (B) Any waiver by a buyer of a right under sections 4712.01 to 4712.14 of the Revised Code is void.

...han the amount paid by the buyer to the credit services organization, plus reasonable attorney's fees and court costs. (3) The buyer may be awarded punitive damages. (4) No action shall be brought under division (A)(1) of this section after four years after the date of the execution of the contract for services to which the action relates. (B)(1) The division of financial institutions, the attorney general, or a b...

...(A) A violation of division (J) of section 4712.02, division (E) of section 4712.04, division (D) or (E) of section 4712.05, division (A) of section 4712.06, section 4712.07 or 4712.08, or division (A) of section 4712.09 of the Revised Code is deemed to be an unfair or deceptive act or practice in violation of section 1345.02 of the Revised Code.

...(A) The division of financial institutions may investigate alleged violations of sections 4712.01 to 4712.14 of the Revised Code, or the rules adopted thereunder, or complaints concerning any such violation. The division may make application to the court of common pleas for an order enjoining any such violation and, upon a showing by the division that a person has committed, or is about to commit, such a violation, t...

...A credit services organization shall disclose in any printed or published advertisement relating to the credit services organization's services, the number designated on the certificate of registration that is issued to the credit services organization by the division of financial institutions under sections 4712.01 to 4712.14 of the Revised Code. No credit services organization shall fail to comply with this section...

...The superintendent of financial institutions may adopt, in accordance with Chapter 119. of the Revised Code, reasonable rules to carry out the purposes of sections 4712.01 to 4712.14 of the Revised Code.

...The superintendent of financial institutions shall comply with section 4776.20 of the Revised Code.

...(A) Whoever violates division (J) of section 4712.02, division (E) of section 4712.04, division (D) or (E) of section 4712.05, division (A) of section 4712.06, section 4712.07 or 4712.08, or division (A) of section 4712.09 of the Revised Code is guilty of a felony of the fifth degree. (B)(1) Whoever violates section 4712.071 of the Revised Code is guilty of a minor misdemeanor and shall be fined not less than one h...

...1 to 5117.12 of the Revised Code: (A) "Credit" means the credit on utility heating bills granted under division (A) of section 5117.09 of the Revised Code. (B) "Current monthly bill" means the amount charged for energy consumed in the most recent monthly billing period and does not include any past due balance. (C) "Current total income" means the adjusted gross income of the head of household and the person's spo...

... the administration of the Ohio energy credit program under sections 5117.01 to 5117.12 of the Revised Code. (B) As a means of efficiently administering the program, the director may extend, by as much as a total of thirty days, any date specified in such sections for the performance of a particular action by an individual or an officer. (C)(1) Except as provided in division (C)(2) of this section, the direc...

...on for assistance under the Ohio energy credit program. The application shall be in the form of a signed statement, shall require no more information than is necessary to establish an applicant's eligibility under section 5117.07 of the Revised Code, and shall be clear and concise in its format, requirements, and instructions. The form shall request the following information: (a) The name and address of the applican...

...fied residential customers to receive a credit or payment under the Ohio energy credit program and that explains in detail, in a fashion reasonably calculated to inform, the relevant mechanisms established under sections 5117.01 to 5117.12 of the Revised Code to effectuate that right. The notice shall also contain, in ten-point boldface type, the following statement: "The right of eligible customers to receive a cred...

...ts for participation in the Ohio energy credit program aware of the nature and extent of available benefits and methods for acquiring and making applications. The program shall include assistance to such persons in making applications. The director shall implement the program in cooperation with the commission.

...gibility of each applicant to receive a credit or payment. The total income and current total income amounts set forth in division (A) of this section are subject to adjustment under section 5117.071 of the Revised Code. (1) An applicant is eligible for a credit of thirty per cent if the applicant is a head of household, has a total income of five thousand dollars or less or a current total income of two thousand fi...

...(A) In September of each year, the tax commissioner shall adjust the total income amounts set forth in sections 5117.07 and 5117.09 of the Revised Code to be used for applications submitted for the heating season commencing in the next calendar year, by completing the following steps: (1) Determine the percentage increase in the gross domestic product deflator determined by the bureau of economic analysis of the Un...

... of household determined eligible for a credit under divisions (A) and (B) of section 5117.07 of the Revised Code and served by that company, the address of the household, and the source of the heat produced by the primary heating system in the residence of the applicant. The director, for good cause, may certify addenda to such lists, containing the names of any heads of household whose names were not included in th...