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Ohio Statutes, Title 13

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Title 13, Title 13. Commercial Transactions

39 chapters · 1,479 sections in this title.

All chapters in Title 131,479 Ch 1309, Chapter 1309 | Secured Transactions143 Ch 1321, Chapter 1321 | Various Loans109 Ch 1302, Chapter 1302 | Sales97 Ch 1310, Chapter 1310 | Leases78 Ch 1311, Chapter 1311 | Liens77 Ch 1304, Chapter 1304 | Bank Deposits And Col…74 Ch 1345, Chapter 1345 | Consumer Sales Practices69 Ch 1333, Chapter 1333 | Trade Practices67 Ch 1303, Chapter 1303 | Commercial Paper66 Ch 1337, Chapter 1337 | Power Of Attorney62 Ch 1349, Chapter 1349 | Consumer Protection61 Ch 1313, Chapter 1313 | Voluntary Assignments56 Ch 1308, Chapter 1308 | Investment Securities49 Ch 1329, Chapter 1329 | Labels And Marks45

61 sections·Filtered byTitle 13✕Ch 1349✕

Ohio Rev. Code Ann. § 1349.01 Responsible party fails to obtain health insurance
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(A) As used in this section:(1) "Consumer reporting agency" has the same meaning as in the "Fair Credit Reporting Act," 84 Stat. 1128, 15 U.S.C.A. 1681a.(2) "Court" means the division of the court of common pleas having jurisdiction over actions for divorce, annulment, dissolutio…
Ohio Rev. Code Ann. § 1349.02 Termination of motor vehicle lease by person on active duty
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(A) As used in this section:(1) "Active duty" means active duty pursuant to an executive order of the president of the United States, an act of the congress of the United States, or section 5919.29 or 5923.21 of the Revised Code.(2) "Motor vehicle" means any automobile, car miniv…
Ohio Rev. Code Ann. § 1349.03 Termination of cellular phone contract by person on active duty
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(A) As used in this section, "active duty" means active duty pursuant to an executive order of the president of the United States, an act of the congress of the United States, or section 5919.29 or 5923.21 of the Revised Code.(B) Any person, or spouse of a person, who is deployed…
Ohio Rev. Code Ann. § 1349.04 Consumer protection of persons on active military duty
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(A) As used in this section:(1) "Active duty" means active duty pursuant to an executive order of the president of the United States, an act of the congress of the United States, or section 5919.29 or 5923.21 of the Revised Code.(2) "Immediate family" means a person's spouse resi…

Ohio Rev. Code Ann. § 1349.05 Solicitation of employment by health care practitioner

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(A) As used in this section: (1) "Agency" and "license" have the same meanings as in section 119.01 of the Revised Code. (2) "Crime" has the same meaning as in section 2930.01 of the Revised Code. (3) "Health care practitioner" means any of the following: (a) An individual licens…

Ohio Rev. Code Ann. § 1349.06 Flea market sales record of purchases

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(A) As used in this section, "flea market" has the same meaning as in section 3715.52 of the Revised Code.(B)(1) Each person that offers new and unused personal property for sale to the general public at a flea market or other location shall maintain, in accordance with division …

Ohio Rev. Code Ann. § 1349.09 Parental notification by social media operators [applies beginning 1/15/2024 per Section 803.380 of H.B. 33, 135th General Assembly]

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(A) As used in this section: (1) "Operator" means any business, entity, or person that operates an online web site, service, or product that has users in this state and that allows those users to do all of the following: (a) Interact socially with other users within the confines …

Ohio Rev. Code Ann. § 1349.10 Internet age verification - obscenity or matter harmful to juveniles

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(A)(1) "Cable service provider" has the same meaning as in section 1332.01 of the Revised Code. (2) "Cloud service provider" means a third-party company offering a cloud-based platform, infrastructure, application, or storage services. (3) "Direct-to-home satellite service" has t…

Ohio Rev. Code Ann. § 1349.101 Internet age verification - civil action

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(A) The attorney general may bring a civil action against an organization that sells, delivers, furnishes, disseminates, provides, exhibits, or presents any material or performance that is obscene or harmful to juveniles on the internet that fails to comply with the requirements …

Ohio Rev. Code Ann. § 1349.11 Lending institution may not require use or employment of affiliated real estate broker

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(A) No lending institution, as defined in section 175.01 of the Revised Code, that is affiliated with or authorized to be affiliated with a real estate broker and that provides real estate brokerage services to third parties shall fix or vary the terms and conditions on a mortgag…

Ohio Rev. Code Ann. § 1349.17 Restricting recording credit card, telephone or social security numbers

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(A) No person shall record or cause to be recorded either of the following:(1) A credit card account number of the other party to a transaction, when a check, bill of exchange, or other draft is presented for payment;(2) The telephone number or social security account number of t…

Ohio Rev. Code Ann. § 1349.18 Printing credit card number and expiration date on receipt

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(A) No person or limited liability company that accepts credit cards for the transaction of business shall print more than the last five digits of the credit card account number, or print the expiration date of a credit card, on any receipt provided to the cardholder.(B) This sec…

Ohio Rev. Code Ann. § 1349.19 Private disclosure of security breach of computerized personal information data

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(A) As used in this section:(1)(a) "Breach of the security of the system" means unauthorized access to and acquisition of computerized data that compromises the security or confidentiality of personal information owned or licensed by a person and that causes, reasonably is believ…

Ohio Rev. Code Ann. § 1349.191 Investigation of noncompliance with disclosure laws

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(A) As used in this section and section 1349.192 of the Revised Code:(1) "Agency of a political subdivision" has the same meaning as in section 1347.12 of the Revised Code.(2) "Business" has the same meaning as in section 1349.19 of the Revised Code.(3) "State agency" has the sam…

Ohio Rev. Code Ann. § 1349.192 Civil action by attorney general for violation of disclosure laws

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(A)(1) The attorney general shall have the exclusive authority to bring a civil action in a court of common pleas for appropriate relief under this section, including a temporary restraining order, preliminary or permanent injunction, and civil penalties, if it appears that a sta…

Ohio Rev. Code Ann. § 1349.20 Escrow transactions concerning residential realty definitions

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As used in sections 1349.20 to 1349.22 of the Revised Code:(A) "Banking day" means any day on which the federal reserve bank is open to the public for carrying on substantially all of its functions.(B) "Check" means a negotiable instrument that is drawn on a federally insured ban…

Ohio Rev. Code Ann. § 1349.21 Disbursing from an escrow account

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No escrow or closing agent knowingly shall make, in an escrow transaction, a disbursement from an escrow account on behalf of another person, unless the following conditions are met:(A) The funds necessary for the disbursement:(1) Have been transferred electronically to or deposi…

Ohio Rev. Code Ann. § 1349.22 Advancing funds for incidental fees

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Nothing in section 1349.21 of the Revised Code prohibits an escrow or closing agent from advancing funds not exceeding one thousand dollars from an escrow account or otherwise on behalf of a party to an escrow transaction for the purpose of paying incidental fees, such as conveya…

Ohio Rev. Code Ann. § 1349.25 Covered loan definitions

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As used in sections 1349.25 to 1349.37 of the Revised Code: (A) "Actuarial method" means the method of allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied first to the accumulated finance charge and any rema…

Ohio Rev. Code Ann. § 1349.26 Disclosures of creditor concerning covered loans

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(A) A creditor shall provide, for each covered loan, both of the following disclosures. The disclosures shall be in conspicuous type size and be in substantially the following form:(1) "You are not required to complete this agreement merely because you have received these disclos…

Ohio Rev. Code Ann. § 1349.27 Creditor or assignee - prohibitions

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A creditor shall not do any of the following:(A) Make a covered loan that includes any of the following:(1) Terms under which a consumer must pay a prepayment penalty for paying all or part of the principal before the date on which the principal is due. For purposes of division (…

Ohio Rev. Code Ann. § 1349.271 Rules for prepurchase counseling

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(A) The superintendent of financial institutions shall, in accordance with Chapter 119. of the Revised Code, adopt rules that establish criteria for purposes of qualifying counseling services that provide prepurchase counseling to consumers.(B) Any not-for-profit credit counselin…

Ohio Rev. Code Ann. § 1349.29 Right to rescind

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If a covered loan transaction includes any term prohibited by section 1349.27 of the Revised Code, the consumer shall have the right to rescind the transaction in accordance with section 129(j) of the "Home Ownership and Equity Protection Act of 1994," 108 Stat. 2190, 15 U.S.C.A.…

Ohio Rev. Code Ann. § 1349.30 Voluntary adjustments correcting errors

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(A) A person has no liability under section 1349.31 of the Revised Code, and shall not be subject to any sanction by the superintendent of financial institutions, for any failure to comply with section 1349.26 or 1349.27 of the Revised Code, if within sixty days after discovering…

Ohio Rev. Code Ann. § 1349.31 Criminal proceedings initiated

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(A)(1) No creditor shall willfully and knowingly fail to comply with section 1349.26 or 1349.27 of the Revised Code. For purposes of division (A)(1) of this section, "willfully and knowingly" has the same meaning as in section 112 of the "Truth in Lending Act," 82 Stat. 146 (1968…

Ohio Rev. Code Ann. § 1349.32 Conforming Ohio law to federal law

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The purpose of sections 1349.25 to 1349.36 of the Revised Code is to bring Ohio law into conformance with the "Home Ownership and Equity Protection Act of 1994," 108 Stat. 2190, 15 U.S.C.A. 1601 note, as amended, and the regulations and interpretations adopted thereunder by the f…

Ohio Rev. Code Ann. § 1349.33 Rules adopting similar provisions where federal law is amended or modified

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(A) Notwithstanding any provision of sections 1349.25 to 1349.36 of the Revised Code, or any rule adopted thereunder, if the "Home Ownership and Equity Protection Act of 1994," 108 Stat. 2190, 15 U.S.C.A. 1601 note, as amended, or any regulation adopted thereunder by the federal …

Ohio Rev. Code Ann. § 1349.34 Examination and investigation of records

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(A) As often as the superintendent of financial institutions considers it necessary, the superintendent may examine a person's records regarding covered loans. The superintendent may recover from the person any costs incurred in connection with and reasonably related to the exami…

Ohio Rev. Code Ann. § 1349.35 Annual report

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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.

Ohio Rev. Code Ann. § 1349.36 Administrative rules

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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 t…

Ohio Rev. Code Ann. § 1349.37 Office of consumer affairs

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There is hereby created in the division of financial institutions the office of consumer affairs. The responsibilities 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 topi…

Ohio Rev. Code Ann. § 1349.41 Prohibited conduct in mortgage loan sale or purchase

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(A) As used in this section:(1) "Consumer" means an individual 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 p…

Ohio Rev. Code Ann. § 1349.43 Internet database - violations and enforcement information

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(A) As used in this section, "loan officer," "mortgage broker," and "nonbank mortgage lender" have the same meanings as in section 1345.01 of the Revised Code. (B) The department of commerce shall establish and maintain an electronic database accessible through the internet that …

Ohio Rev. Code Ann. § 1349.44 Report on financial institutions division operations

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(A) The superintendent of financial institutions shall report semiannually to the governor and the general assembly on the operations of the division of financial institutions with respect to the following:(1) Enforcement actions instituted by the superintendent for a violation o…

Ohio Rev. Code Ann. § 1349.45 Misleading or deceptive use of financial institution name or logo prohibited

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(A) As used in this section, "financial institution" means any bank, savings and loan association, savings bank, or credit union; any affiliate or subsidiary of a bank, savings and loan association, savings bank, or credit union; any registrant as defined in section 1321.51 of th…

Ohio Rev. Code Ann. § 1349.51 Prohibiting disclosure of certain consumer information

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(A) As used in this section:(1) "Consumer report" and "consumer reporting agency" have the same meanings as in the "Fair Credit Reporting Act," 84 Stat. 1128 (1970), 15 U.S.C.A. 1681a, as amended.(2) "Licensed resident insurance agent" means any natural person or business entity …

Ohio Rev. Code Ann. § 1349.52 Security freeze on consumer credit report

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(A) As used in this section and in section 1349.521 of 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 nonpr…

Ohio Rev. Code Ann. § 1349.521 Security freeze on consumer credit cards

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(A)(1) A representative of a protected consumer may elect to place a security freeze on the protected consumer's credit report in the manner prescribed in division (B) of this section by making a request to a consumer credit reporting agency in writing by certified mail or other …

Ohio Rev. Code Ann. § 1349.53 Civil action for noncompliance with security freeze

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(A) If a consumer credit reporting agency willfully fails to comply with division (C) or (J) 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 followi…

Ohio Rev. Code Ann. § 1349.55 [Repealed effective 10/6/2026 by H.B. 105, 136th General Assembly] Non-recourse civil litigation advance contracts

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(A) As used in this section: (1) "Non-recourse civil litigation advance" means a transaction in which a company makes a cash payment to a consumer who has a pending civil claim or action in exchange for the right to receive an amount out of the proceeds of any realized settlement…

Ohio Rev. Code Ann. § 1349.61 Sale of gift card expiring within two years of sale prohibited

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(A)(1) Subject to division (C) of this section, no person or entity shall sell a gift card to a purchaser containing an expiration date that is less than two years after the date the gift card is issued.(2) No person or entity, within two years after a gift card is issued, shall …

Ohio Rev. Code Ann. § 1349.65 High-volume seller definitions

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As used in sections 1349.65 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 par…

Ohio Rev. Code Ann. § 1349.66 High-volume seller notification requirements

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(A) An online marketplace shall require any high-volume third party seller on such online marketplace's platform to provide, not later than ten days after qualifying as a high-volume third party seller on the platform, all of the following information to the online marketplace: (…

Ohio Rev. Code Ann. § 1349.67 High-volume seller disclosure requirements

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(A) An online marketplace shall do both of the following: (1) Verify the information collected under division (A) of section 1349.66 of the Revised Code not later than ten days after such collection; (2) Verify any change to such information not later than ten days after being no…

Ohio Rev. Code Ann. § 1349.68 High-volume seller requirement enforcement

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Data collected solely to comply with the requirements of this chapter shall not be used for any other purpose unless required by law. Last updated May 16, 2022 at 4:20 PM

Ohio Rev. Code Ann. § 1349.69 Security procedures and practices

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An online marketplace shall implement and maintain reasonable security procedures and practices, including administrative, physical, and technical safeguards, appropriate to the nature of the data and the purposes for which the data will be used, to protect the data collected to …

Ohio Rev. Code Ann. § 1349.70 High-volume seller duty to disclose certain information

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(A) An online marketplace shall do both of the following: (1) Require any high-volume third party seller with an aggregate total of twenty thousand dollars or more in annual gross revenues on such online marketplace, and that uses such online marketplace's platform, to provide th…

Ohio Rev. Code Ann. § 1349.71 Partial disclosure

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(A) Subject to division (B) of this section, upon the request of a high-volume third party seller, an online marketplace may provide for partial disclosure of the identity information required under division (B)(1) of section 1349.70 of the Revised Code in the following situation…

Ohio Rev. Code Ann. § 1349.72 Product listing disclosure

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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.…

Ohio Rev. Code Ann. § 1349.73 Penalty for failing to comply with disclosure requirements

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If a high-volume third-party seller does not 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 p…