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Ohio Statutes, Title 13

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Ohio/Statutes

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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

1,479 sections·Filtered byTitle 13✕

Ohio Rev. Code Ann. § 1315.51 Transaction reporting, money laundering definitions
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As used in sections 1315.51 to 1315.55 of the Revised Code, unless the context otherwise requires:(A) "Conduct the business" means engaging in activities regulated under sections 1315.51 to 1315.55 of the Revised Code.(B) "Corrupt activity" has the same meaning as in section 2923…
Ohio Rev. Code Ann. § 1315.52 Liberal construction of statutes
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Sections 1315.51 to 1315.55 of the Revised Code shall be liberally construed to effectuate their remedial purposes.
Ohio Rev. Code Ann. § 1315.53 Reporting transactions - records
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(A) A money transmitter that is required to file a report regarding business conducted in this state pursuant to the "Currency and Foreign Transactions Reporting Act," 84 Stat. 1118 (1970), 31 U.S.C.A. 5311 to 5326 and 31 C.F.R. part 103 or 12 C.F.R. 21.11, shall file a duplicate…
Ohio Rev. Code Ann. § 1315.54 Investigations
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(A) The attorney general may conduct investigations within or outside this state to determine if a money transmitter or person engaged in a trade or business has failed to file a report required by section 1315.53 of the Revised Code or has engaged or is engaging in an act, pract…

Showing 801–850 of 1,479

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Ohio Rev. Code Ann. § 1315.55 Additional prohibited activities

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(A)(1) No person shall conduct or attempt to conduct a transaction knowing that the property involved in the transaction is the proceeds of some form of unlawful activity with the purpose of committing or furthering the commission of corrupt activity.(2) No person shall conduct o…

Ohio Rev. Code Ann. § 1315.99 Penalty

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(A) Whoever violates division (A) or (B) of section 1315.28 or division (E)(2) of section 1315.53 of the Revised Code is guilty of a misdemeanor of the first degree. (B) Whoever violates division (F)(1) of section 1315.53 or division (B) of section 1315.54 of the Revised Code is …

Ohio Rev. Code Ann. § 1317.01 Retail installment sale definitions

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As used in this chapter:(A) "Retail installment sale" includes every retail installment contract to sell specific goods, every consumer transaction in which the cash price may be paid in installments over a period of time, and every retail sale of specific goods to any person in …

Ohio Rev. Code Ann. § 1317.02 Buyer's copy

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Every retail installment sale shall be evidenced by an instrument in writing. A copy of said instrument shall be delivered to the retail buyer by the retail seller at the time of its execution. An acknowledgment of the delivery thereof contained in the body of the instrument is p…

Ohio Rev. Code Ann. § 1317.03 Evidence of indebtedness

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A retail seller may require a retail buyer to execute and deliver a promissory note to evidence the indebtedness created by a retail installment sale, and, to secure the payment of the indebtedness created by the sale or evidenced by the promissory note or to secure the performan…

Ohio Rev. Code Ann. § 1317.031 Inclusion of holder in due course

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Notwithstanding section 1303.35 of the Revised Code, a buyer who executes a purchase money loan installment note or a retail installment contract in connection with a consumer transaction may assert against any holder, assignee, or transferee of the note or contract, specifically…

Ohio Rev. Code Ann. § 1317.032 Asserting defenses against holder, assignee, or transferee of purchase money loan installment note or retail installment contract

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(A) A buyer who is entitled to assert in an action in connection with a consumer transaction any of the following defenses against the seller of goods or services that are obtained pursuant to a purchase money loan installment note or retail installment contract may also assert t…

Ohio Rev. Code Ann. § 1317.04 Separate items to be listed in written instrument

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The written instrument evidencing a retail installment sale and required by section 1317.02 of the Revised Code shall recite the following: (A) The cash price of the specific goods. (B) The amount in cash of the retail buyer's down payment, if any, whether made in money or goods …

Ohio Rev. Code Ann. § 1317.05 Insurance provisions; debt cancellation or debt suspension products

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(A) Any retail seller who, in any retail installment contract, has agreed to purchase insurance for the retail buyer and to extend credit for the price thereof, excluding single interest insurance, shall, prior to the due date of the first installment of the retail installment co…

Ohio Rev. Code Ann. § 1317.06 Finance charge - rates - service charge - contract for payment of delinquent charges

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(A) A retail seller at the time of making any retail installment sale may charge and contract for the payment of a finance charge by the retail buyer and collect and receive the same, which shall not exceed the greater of the following: (1) A base finance charge at the rate of ei…

Ohio Rev. Code Ann. § 1317.061 Retail seller or holder may contract for and receive alternative finance charges or interest

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As an alternative to the finance charges permitted in division (A) of section 1317.06 of the Revised Code or the interest permitted in division (B) of that section, and to the finance charges permitted in division (B) of section 1317.11 of the Revised Code, a retail seller or hol…

Ohio Rev. Code Ann. § 1317.062 Retail seller or holder may contract for and receive alternative delinquent charges

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(A)(1) As an alternative to the delinquent charges permitted in division (B) of section 1317.06 and division (B) of section 1317.11 of the Revised Code, a retail seller or holder may contract for and receive delinquent charges in any amount agreed upon or consented to by the part…

Ohio Rev. Code Ann. § 1317.07 Requirements of retail installment contract

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No retail installment contract authorized by section 1317.03 of the Revised Code that is executed in connection with any retail installment sale shall evidence any indebtedness in excess of the time balance fixed in the written instrument in compliance with section 1317.04 of the…

Ohio Rev. Code Ann. § 1317.071 Limits on security interests

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No retail seller, in connection with a retail installment contract arising out of a consumer transaction, shall take any security interest other than as authorized by this section.A seller may take a security interest in the property sold, and in goods upon which services are per…

Ohio Rev. Code Ann. § 1317.08 Unenforceable retail installment contracts

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(A)(1) No retail installment contract that evidences an indebtedness greater than that allowed under sections 1317.06, 1317.061, 1317.062, and 1317.07 of the Revised Code, and no retail installment contract in connection with which any charge prohibited by sections 1317.01 to 131…

Ohio Rev. Code Ann. § 1317.09 Payment in full before maturity - refund credit

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Notwithstanding any retail installment contract to the contrary, any retail buyer may satisfy in full at any time before maturity the debt of any retail installment contract and in so satisfying such debt shall receive a refund credit thereon for such anticipation of payments. Th…

Ohio Rev. Code Ann. § 1317.10 Prior agreement is not a waiver

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No agreement of any retail buyer made prior to or concurrent with the execution of any retail installment contract is a waiver of sections 1317.01 to 1317.11, inclusive, of the Revised Code.

Ohio Rev. Code Ann. § 1317.11 Prior sales or contracts not affected - revolving budget agreements

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Sections 1317.01 to 1317.10 of the Revised Code do not apply to any sale or to any contract to sell made prior to August 10, 1949, which, if made after that date, would be a retail installment sale or contract and said sections do not affect pending litigation or revolving budget…

Ohio Rev. Code Ann. § 1317.12 Default - notice, curing

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Notwithstanding any agreement to the contrary in a retail installment contract made on or after the effective date of this section, if collateral for a consumer transaction is taken possession of by the secured party on default, the secured party shall, within five business days …

Ohio Rev. Code Ann. § 1317.13 Time balance

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As used in this section, "motor vehicle" and "mobile home" have the same meanings as in section 4501.01 of the Revised Code, and "manufactured home" has the same meaning as in section 3781.06 of the Revised Code.Notwithstanding the provisions of section 1309.609 of the Revised Co…

Ohio Rev. Code Ann. § 1317.14 Waiver of defenses provision in contract is void

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Any provision in a retail installment contract or in any other agreement that is executed on or after August 1, 1980, by which a buyer in connection with a consumer transaction agrees not to assert any defenses against a seller, or the seller's assignee or transferee, is void, an…

Ohio Rev. Code Ann. § 1317.16 Disposition of collateral

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(A) A secured party whose security interest is taken pursuant to section 1317.071 of the Revised Code may, after default, dispose of any or all of the collateral only as authorized by this section.(B) Disposition of the collateral shall be by public sale only. Such sale may be as…

Ohio Rev. Code Ann. § 1317.21 Breach of layaway arrangement by buyer

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(A) Notwithstanding division (B) of section 1302.92 of the Revised Code and excluding layaway arrangements made pursuant to section 1317.22 of the Revised Code, when a seller justifiably withholds the delivery of specific goods because of the buyer's breach of a layaway arrangeme…

Ohio Rev. Code Ann. § 1317.22 Contract for sales over $500 or special order merchandise require a writing

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(A) If a contract for sale at retail is a layaway arrangement involving the sale of merchandise or specific goods at a price above five hundred dollars, the layaway arrangement shall be evidenced by a written contract between the buyer and the seller and shall not be subject to d…

Ohio Rev. Code Ann. § 1317.23 Payment of refunds

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Refunds provided to a buyer under sections 1317.21 and 1317.22 of the Revised Code shall be made by the seller within thirty days of the completion of the applicable notice requirement by delivering cash, a check, or a money order to the buyer. The seller may determine the method…

Ohio Rev. Code Ann. § 1317.24 Failure to comply is unfair or deceptive act or practice

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A seller's failure to comply with sections 1317.21 to 1317.23 of the Revised Code is an unfair or deceptive act or practice in violation of section 1345.02 of the Revised Code.

Ohio Rev. Code Ann. § 1317.99 Penalty

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(A) Whoever willfully violates sections 1317.01 to 1317.11, inclusive, of the Revised Code, shall be fined not more than one thousand dollars or imprisoned not more than one year, or both.

Ohio Rev. Code Ann. § 1319.01 Liability for unauthorized use of credit card

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A cardholder who receives a credit card from an issuer, which such cardholder has not requested nor used, shall not be liable for any use made of such credit card which has not been authorized by such cardholder, unless such credit card is in replacement or renewal of a credit ca…

Ohio Rev. Code Ann. § 1319.02 Enforcing commitment to pay attorneys' fees in commercial contract of indebtedness

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(A) As used in this section: (1) "Contract of indebtedness" means a note, bond, mortgage, conditional sale contract, retail installment contract, lease, security agreement, or other written evidence of indebtedness, other than indebtedness incurred for purposes that are primarily…

Ohio Rev. Code Ann. § 1319.06 Husband and wife must join in chattel mortgage on household property

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No husband or wife shall create any lien by chattel mortgage or otherwise upon any personal household property owned by either or both of them, without the joint consent of both husband and wife. No such mortgage is valid unless executed by both husband and wife.This section does…

Ohio Rev. Code Ann. § 1319.07 Definitions for RC sections 1319.07 to 1319.09

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As used in sections 1319.07 to 1319.09 of the Revised Code: (A) "Nonrecourse carveout" means a specific exemption, if any, to the nonrecourse provisions set forth in the loan documents for a nonrecourse loan that has the effect of creating, if specified events occur, personal lia…

Ohio Rev. Code Ann. § 1319.08 Use of postclosing solvency covenant

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(A) A postclosing solvency covenant shall not be used, directly or indirectly, as a nonrecourse carveout or as the basis for any claim or action against a borrower or any guarantor or other surety on a nonrecourse loan. (B) A provision in the documents for a nonrecourse loan that…

Ohio Rev. Code Ann. § 1319.09 Loans without nonrecourse loan provisions

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Section 1319.08 of the Revised Code does not prohibit a loan that is secured by a mortgage on real property located in this state from being fully recourse to the borrower or guarantor, including, but not limited to, as a result of a postclosing solvency covenant, if the loan doc…

Ohio Rev. Code Ann. § 1319.11 Joining or separating claims of creditors

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(A) Two or more creditors of a debtor or co-debtors may join their respective claims together for the purpose of commencing litigation against the debtor or co-debtors.(B) If a debtor or co-debtor raises a good faith dispute concerning any accounts, bills, or other evidences of i…

Ohio Rev. Code Ann. § 1319.12 Taking assignment of debts

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(A)(1) As used in this section, "collection agency" means any person who, for compensation, contingent or otherwise, or for other valuable consideration, offers services to collect an alleged debt asserted to be owed to another.(2) "Collection agency" does not mean a person whose…

Ohio Rev. Code Ann. § 1319.16 Check collection charges

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(A) If a collection agency has been designated to collect on a check, negotiable order of withdrawal, share draft, or other negotiable instrument that has been returned or dishonored for any reason, the collection agency may charge and receive check collection charges of not more…

Ohio Rev. Code Ann. § 1319.17 Commercial credit reports

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(A) As used in this section: (1) "Business" means a sole proprietorship, partnership, corporation, limited liability company, or other commercial entity, whether for profit or not for profit. (2) "Commercial credit report" means any report provided to a business for a legitimate …

Ohio Rev. Code Ann. § 1321.01 Small Loan Law definitions; division of financial institutions responsibility

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(A) As used in sections 1321.01 to 1321.19 of the Revised Code:(1) "Person" includes individuals, partnerships, associations, trusts, corporations, and all other legal entities.(2) "License" means a license issued under sections 1321.01 to 1321.19 of the Revised Code to make loan…

Ohio Rev. Code Ann. § 1321.02 Small loan license requirement; exceptions

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No person shall engage in the business of lending money, credit, or choses in action in amounts of five thousand dollars or less, or exact, contract for, or receive, directly or indirectly, on or in connection with any such loan, any interest and charges that in the aggregate are…

Ohio Rev. Code Ann. § 1321.03 Application for small loan license; fee

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Application for a license shall be in writing, under oath, and in the form prescribed by the division of financial institutions, and shall contain the name and address of the applicant, and, if the applicant is a partnership or association, of every member thereof, and, if a corp…

Ohio Rev. Code Ann. § 1321.04 Small loan license application approval

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(A) Except as otherwise provided in division (B) of this section, upon the filing of an application under section 1321.03 of the Revised Code and payment of fees pursuant to section 1321.20 of the Revised Code, the division of financial institutions shall investigate the facts co…

Ohio Rev. Code Ann. § 1321.05 Contents of small loan license; annual fee and assessment; assets

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Each license shall state the address at which the business is to be conducted and shall state fully the name of the licensee. Each license shall be kept conspicuously posted in the place of business of the licensee and is not transferable or assignable.Each license shall remain i…

Ohio Rev. Code Ann. § 1321.06 Additional small loan licenses; change of place of business

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Not more than one place of business shall be maintained under the same license issued under sections 1321.01 to 1321.05 of the Revised Code, but the division of financial institutions may issue additional licenses to the same licensee upon compliance with such sections.No change …

Ohio Rev. Code Ann. § 1321.07 Examination of small loan licensee's records; division powers

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At least once each year the division of financial institutions shall make an examination of the business, loans, books, papers, and records of each licensee so far as they pertain to the licensed business, and it may make such an examination more frequently if it is necessary for…

Ohio Rev. Code Ann. § 1321.08 Suspension or revocation of small loan license

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In accordance with Chapter 119. of the Revised Code:(A) The division of financial institutions shall, upon written notice to the licensee stating the contemplated action and the grounds therefor, and upon reasonable opportunity to be heard, suspend or revoke any license issued by…

Ohio Rev. Code Ann. § 1321.09 Small loan licensee recordkeeping; annual report

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(A) Every licensee shall keep and use in the licensee's business such books, accounts, and records as will enable the division of financial institutions to determine whether the licensee is complying with sections 1321.01 to 1321.19 of the Revised Code and with the orders and rul…