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Ohio Statutes, Title 11

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Title 11, Title 11. Banks-Savings and Loan Associations

18 chapters · 313 sections in this title.

All chapters in Title 11313 Ch 1109, Chapter 1109 | State Banks - Powers53 Ch 1121, Chapter 1121 | Banks - Superintenden…40 Ch 1112, Chapter 1112 | Ohio Family Trust Com…29 Ch 1111, Chapter 1111 | Trust Companies26 Ch 1125, Chapter 1125 | Banks - Liquidations …26 Ch 1119, Chapter 1119 | Foreign Banks18 Ch 1116, Chapter 1116 | Mutual Holding Companies16 Ch 1113, Chapter 1113 | Stock State Banks - F…15 Ch 1115, Chapter 1115 | Banks - Acquisitions …14 Ch 1181, Chapter 1181 | Division Of Financial…14 Ch 1114, Chapter 1114 | Mutual State Banks13 Ch 1101, Chapter 1101 | Banks - General Provi…8 Ch 1105, Chapter 1105 | Banks - Board Of Dire…8 Ch 1127, Chapter 1127 | Banks - Crimes And Pr…8

40 sections·Filtered byTitle 11✕Ch 1121✕

Ohio Rev. Code Ann. § 1121.01 Banks - superintendent's powers definitions
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As used in this chapter:(A) "Financial institution regulatory authority" includes a regulator of a business activity in which a bank or trust company is engaged, or has applied to engage in, to the extent that the regulator has jurisdiction over a bank or trust company engaged in…
Ohio Rev. Code Ann. § 1121.02 Superintendent and deputy superintendent for banks - powers and duties
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(A) The superintendent of financial institutions shall see that the laws and rules relating to institutions and businesses governed by Chapters 1101. to 1127. of the Revised Code are executed and enforced.(B) The deputy superintendent for banks shall be the principal supervisor o…
Ohio Rev. Code Ann. § 1121.03 Adoption of administrative rules
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(A) The superintendent of financial institutions may adopt rules and standards to carry out the provisions of Chapters 1101. to 1127. of the Revised Code. No rule or standard adopted by the superintendent pursuant to this authority shall conflict with, abridge, or supersede any p…
Ohio Rev. Code Ann. § 1121.05 Granting rights to financial institutions
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(A) Notwithstanding any provisions of the Revised Code, except as provided in division (E) of this section, the superintendent of financial institutions shall, by rule, grant state banks and trust companies doing business under authority granted by the superintendent any right, p…

Ohio Rev. Code Ann. § 1121.06 Reducing disadvantage to Ohio bank or trust company

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(A) Notwithstanding any provision of the Revised Code, if any regulation, rule, interpretation, procedure, or guideline of the office of the comptroller of the currency, federal deposit insurance corporation, federal reserve board, consumer financial protection bureau, national c…

Ohio Rev. Code Ann. § 1121.10 Examining records and affairs

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(A) Except as otherwise provided in section 1121.101 of the Revised Code, as often as the superintendent of financial institutions considers necessary, but at least once each twenty-four-month cycle, the superintendent, or any deputy or examiner appointed by the superintendent fo…

Ohio Rev. Code Ann. § 1121.101 Frequency of bank examinations

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(A) Notwithstanding section 1121.10 of the Revised Code, and subject to division (B) of this section, the superintendent of financial institutions shall not conduct an examination of a state bank more frequently than once every twenty-four-month cycle, if the bank meets both of t…

Ohio Rev. Code Ann. § 1121.11 Alternate, joint or concurrent examinations

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(A) In administering Chapters 1101. to 1127. of the Revised Code and fulfilling the duties imposed by those chapters, including the duty imposed by section 1121.10 of the Revised Code, the superintendent of financial institutions may do any of the following:(1) Participate with f…

Ohio Rev. Code Ann. § 1121.12 Examining person who, directly or indirectly, controls bank

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An examination of the records and affairs of a state bank under section 1121.10 of the Revised Code may include the examination of a person who, directly or indirectly, controls the bank that is a bank holding company registered with the federal reserve or a savings and loan hold…

Ohio Rev. Code Ann. § 1121.13 Examining other corporate persons who, directly or indirectly, control banks

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An examination of the records and affairs of a state bank under section 1121.10 of the Revised Code may include the examination of a person who, directly or indirectly, controls the state bank and is a corporation that is not a bank holding company registered with the federal res…

Ohio Rev. Code Ann. § 1121.15 Maintaining books and accounts

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(A) The superintendent of financial institutions may prescribe the manner and form of keeping the books and accounts of state banks, so the books and accounts may be as nearly uniform as circumstances permit.(B) Any person that, by contract or otherwise, performs services for a s…

Ohio Rev. Code Ann. § 1121.16 Prohibited acts; violations

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(A) No state bank, trust company, or regulated person shall do any of the following:(1) Refuse to allow any examination authorized by section 1121.10 of the Revised Code;(2) Refuse to give information required by the division of financial institutions in the course of or in relat…

Ohio Rev. Code Ann. § 1121.17 Executing documents

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(A) Accounts and other documents required by the superintendent of financial institutions may be signed and sworn to or affirmed on behalf of a state bank or trust company by any officer or director authorized to do so by the bank's or trust company's board of directors.(B) When …

Ohio Rev. Code Ann. § 1121.18 Confidentiality

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(A) The superintendent of financial institutions and the superintendent's agents and employees shall keep privileged and confidential all information obtained by the superintendent or the superintendent's agents or employees as a result of or arising out of the examination or sup…

Ohio Rev. Code Ann. § 1121.19 Self-assessment report

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(A) As used in this section, a "self-assessment report" of a bank includes, but is not limited to, all of the following:(1) An evaluation of the bank's loan underwriting standards, asset quality, financial reporting to federal or state regulatory agencies, and compliance with its…

Ohio Rev. Code Ann. § 1121.21 Reporting condition and income

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Each bank and trust company shall report its condition and income to the division of financial institutions at the times, in the form, and including the information the superintendent of financial institutions prescribes.

Ohio Rev. Code Ann. § 1121.23 Criminal records check to be requested by superintendent

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(A) As used in this section: (1) "Control" means either of the following: (a) The power to vote, directly or indirectly, at least twenty-five per cent of outstanding voting shares or voting interests of a licensee or person in control of a licensee; (b) The power to elect or appo…

Ohio Rev. Code Ann. § 1121.24 Fee; incomplete application or notice of proposed action or transaction

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(A) If, under Chapters 1101. to 1127. of the Revised Code, a proposed action or transaction is subject to the approval of the superintendent of financial institutions or an opportunity for the superintendent to disapprove, and if the person proposing the action or transaction is …

Ohio Rev. Code Ann. § 1121.25 Request for confidentiality

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(A) The superintendent of financial institutions may grant confidential treatment for information in or related to an application or notice submitted to the superintendent pursuant to Chapters 1101. to 1127. of the Revised Code that is subject to the superintendent's approval or …

Ohio Rev. Code Ann. § 1121.26 Considering impact of proposed action or transaction

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When considering the impact of a proposed action or transaction on the convenience and needs of the community to be served, both of the following shall apply:(A) The superintendent of financial institutions shall assess whether the facts and circumstances relating to the proposed…

Ohio Rev. Code Ann. § 1121.27 Reasonable and necessary conditions

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If, under Chapters 1101. to 1127. of the Revised Code, a proposed action or transaction is subject to the approval of the superintendent of financial institutions and the superintendent is permitted to condition that approval, any condition imposed by the superintendent shall be …

Ohio Rev. Code Ann. § 1121.29 Assessments

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(A)(1) Each bank, savings and loan association, and savings bank subject to inspection and examination by the superintendent of financial institutions and transacting business on the thirty-first day of December, or their successors in interest, shall pay to the treasurer of stat…

Ohio Rev. Code Ann. § 1121.30 Banks fund

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(A) All assessments, fees, charges, and forfeitures provided for in Chapters 1101. to 1127. and sections 1315.01 to 1315.18 of the Revised Code, except civil penalties assessed pursuant to section 1121.35 or 1315.152 of the Revised Code, shall be paid to the superintendent of fin…

Ohio Rev. Code Ann. § 1121.32 Notice of charges and intent to issue cease and desist order

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(A) The superintendent of financial institutions may issue and serve a notice of charges and intent to issue a cease and desist order upon a bank, trust company, or regulated person, if, in the opinion of the superintendent, either of the following applies to the bank, trust comp…

Ohio Rev. Code Ann. § 1121.33 Notice of charges and intent to remove regulated person from office or prohibit further participation

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(A) The superintendent of financial institutions may issue and serve a notice of charges and intent to remove a regulated person from office or prohibit a regulated person from further participation in the conduct of the affairs of a bank or trust company, or both, if, in the opi…

Ohio Rev. Code Ann. § 1121.34 Issuing order suspending regulated person or temporarily prohibiting further participation

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(A)(1) The superintendent of financial institutions may issue an order suspending a regulated person from office or temporarily prohibiting a regulated person from further participation in the conduct of the affairs of a bank or trust company, or both, if both of the following ap…

Ohio Rev. Code Ann. § 1121.35 Civil penalty

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(A) The superintendent of financial institutions may assess civil penalties against a bank, trust company, or, in relation to matters concerning a state bank, foreign bank, or trust company, a regulated person for each day a violation, unsafe or unsound practice, or breach contin…

Ohio Rev. Code Ann. § 1121.37 Serving notice

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(A) The superintendent of financial institutions may serve any notice the superintendent is required or authorized to give and any subpoena or order the superintendent is required or authorized to issue pursuant to Chapters 1101. to 1127. of the Revised Code, at the sole discreti…

Ohio Rev. Code Ann. § 1121.38 Administrative hearing

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(A)(1) An administrative hearing provided for in section 1121.32, 1121.33, 1121.35, or 1121.41 of the Revised Code shall be held in the county in which the principal place of business of the bank or trust company or residence of the regulated person is located, unless the bank, t…

Ohio Rev. Code Ann. § 1121.39 Notice served within 6 years of resignation, termination or separation

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The resignation, termination of employment or participation, or separation of a regulated person, including a separation caused by the closing of a bank or trust company, shall not affect the jurisdiction and authority of the superintendent of financial institutions to issue any …

Ohio Rev. Code Ann. § 1121.41 Notice of charges and intent to issue supervision order

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(A) The superintendent of financial institutions may issue and serve a notice of charges and intent to issue an order placing a bank or trust company under supervision and appointing a supervisor for the bank or trust company, if, in the opinion of the superintendent, any of the …

Ohio Rev. Code Ann. § 1121.43 Monthly publication by superintendent of violations

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(A) Except as provided in division (B) of this section, the superintendent of financial institutions shall make available to the public on a monthly basis all of the following:(1) Any written agreement or other writing for which a violation may be enforced by the superintendent;(…

Ohio Rev. Code Ann. § 1121.45 Meeting with regulated persons

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(A) The superintendent of financial institutions may call and convene a meeting with the regulated persons the superintendent determines to be appropriate at a location within this state and at a date and time established by the superintendent upon notice served in accordance wit…

Ohio Rev. Code Ann. § 1121.47 Superintendent - order and subpoena powers

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(A) The superintendent of financial institutions may do both of the following:(1) Summon and compel, by order or subpoena, witnesses to appear before the superintendent, deputy superintendent, examiner, attorney, or such other person designated by the superintendent and testify u…

Ohio Rev. Code Ann. § 1121.48 Suits and court proceedings

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(A) All suits and court proceedings brought by the superintendent of financial institutions shall be brought in the name of the state upon the superintendent's relation, and shall be conducted by the attorney general or a designee of the attorney general.(B) A suit or court proce…

Ohio Rev. Code Ann. § 1121.50 Independent auditor

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(A) As used in this section, "independent auditor" means an external, unaffiliated auditor who has a certified public accounting designation that qualifies the person to provide an auditor's report.(B) The superintendent of financial institutions may, when circumstances warrant, …

Ohio Rev. Code Ann. § 1121.51 Action to secure condition of assets

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(A) The superintendent of financial institutions may do either of the following:(1) If, in the superintendent's judgment, the condition of an asset warrants, require the bank to do any of the following:(a) Establish specific reserves against the asset :(b) Charge the asset down t…

Ohio Rev. Code Ann. § 1121.52 Undercapitalization; capital restoration plan

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(A) If a state bank is undercapitalized, the superintendent of financial institutions shall notify the bank of the fact of the undercapitalization. The superintendent may require the bank to submit a written capital restoration plan to the superintendent within forty-five days af…

Ohio Rev. Code Ann. § 1121.56 Immunity

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Neither the superintendent of financial institutions, any employee, agent, or contractor of the division of financial institutions, or any supervisor appointed by the superintendent under this chapter is liable in any civil, criminal, or administrative proceeding for any mistake …

Ohio Rev. Code Ann. § 1121.61 Bona fide errors

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(A) As used in this section, "bona fide error" means an unintentional clerical, calculation, computer malfunction or programming, or printing error. (B) A state bank, trust company, or regulated person shall not be held civilly liable in any action brought under Title XI or under…