Ohio Revised Code Chapter 1349 - Consumer Protection

• Section 1349.01 - Responsible Party Fails To Obtain Health Insurance.
  (A) As used in this section: (1) "Consumer reporting agency" has the same meaning as in the "Fair Credit Reporting Act," 84 Stat. 1128,...
• Section 1349.02 - Termination Of Motor Vehicle Lease By Person On Active Duty.
  (A) As used in this section: (1) "Active duty" means active duty pursuant to an executive order of the president of the United States,...
• Section 1349.03 - Termination Of Cellular Phone Contract By Person On Active Duty.
  (A) As used in this section, "active duty" means active duty pursuant to an executive order of the president of the United States, an...
• Section 1349.04 - Consumer Protection Of Persons On Active Military Duty.
  (A) As used in this section: (1) "Active duty" means active duty pursuant to an executive order of the president of the United States,...
• Section 1349.05 - [Repealed].
  Effective Date: 07-30-1993
• Section 1349.06 - Flea Market Sales Record Of Purchases.
  (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...
• Section 1349.11 - Lending Institution May Not Require Use Or Employment Of Affiliated Real Estate Broker.
  (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...
• Section 1349.16 - Identification Information Required For Opening Personal Checking Account.
  (A) As used in this section, "financial institution" includes every bank as defined in section 1101.01 of the Revised Code, savings and loan association...
• Section 1349.17 - Restricting Recording Credit Card, Telephone Or Social Security Numbers.
  (A) No person shall record or cause to be recorded either of the following: (1) A credit card account number of the other party...
• Section 1349.18 - Printing Credit Card Number And Expiration Date On Receipt.
  (A) No person or limited liability company that accepts credit cards for the transaction of business shall print more than the last five digits...
• Section 1349.19 - Private Disclosure Of Security Breach Of Computerized Personal Information Data.
  (A) As used in this section: (1) (a) "Breach of the security of the system" means unauthorized access to and acquisition of computerized data...
• Section 1349.191 - Investigation Of Noncompliance With Disclosure Laws.
  (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...
• Section 1349.192 - Civil Action By Attorney General For Violation Of Disclosure Laws.
  (A) (1) The attorney general shall have the exclusive authority to bring a civil action in a court of common pleas for appropriate relief...
• Section 1349.20 - Escrow Transactions Concerning Residential Realty Definitions.
  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...
• Section 1349.21 - Disbursing From An Escrow Account.
  No escrow or closing agent knowingly shall make, in an escrow transaction, a disbursement from an escrow account on behalf of another person, unless...
• Section 1349.22 - Advancing Funds For Incidental Fees.
  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...
• Section 1349.25 - Covered Loan Definitions.
  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...
• Section 1349.26 - Disclosures Of Creditor Concerning Covered Loans.
  (A) A creditor shall provide, for each covered loan, both of the following disclosures. The disclosures shall be in conspicuous type size and be...
• Section 1349.27 - Creditor Or Assignee - Prohibitions.
  A creditor shall not do any of the following: (A) Make a covered loan that includes any of the following: (1) Terms under which...
• Section 1349.271 - Rules For Prepurchase Counseling.
  (A) The superintendent of financial institutions shall, in accordance with Chapter 119. of the Revised Code, adopt rules that establish criteria for purposes of...
• Section 1349.29 - Right To Rescind.
  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...
• Section 1349.30 - Voluntary Adjustments Correcting Errors.
  (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...
• Section 1349.31 - Criminal Proceedings Initiated.
  (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...
• Section 1349.32 - Conforming Ohio Law To Federal Law.
  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...
• Section 1349.33 - Rules Adopting Similar Provisions Where Federal Law Is Amended Or Modified.
  (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...
• Section 1349.34 - Examination And Investigation Of Records.
  (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...
• Section 1349.35 - Annual Report.
  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...
• Section 1349.36 - Administrative Rules.
  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...
• Section 1349.37 - Office Of Consumer Affairs.
  There is hereby created in the division of financial institutions the office of consumer affairs. The responsibilities of the office shall, at a minimum,...
• Section 1349.41 - Prohibited Conduct In Mortgage Loan Sale Or Purchase.
  (A) As used in this section: (1) "Consumer" means an individual to whom credit is offered or extended primarily for personal, family, or household...
• Section 1349.43 - Internet Database - Violations And Enforcement Information.
  (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...
• Section 1349.44 - Report On Financial Institutions Division Operations.
  (A) The superintendent of financial institutions shall report semiannually to the governor and the general assembly on the operations of the division of financial...
• Section 1349.45 - Misleading Or Deceptive Use Of Financial Institution Name Or Logo Prohibited.
  (A) As used in this section, "financial institution" means any bank, savings and loan association, savings bank, or credit union; any affiliate or subsidiary...
• Section 1349.51 - Prohibiting Disclosure Of Certain Consumer Information.
  (A) As used in this section: (1) "Consumer report" and "consumer reporting agency" have the same meanings as in the "Fair Credit Reporting Act,"...
• Section 1349.52 - Security Freeze On Consumer Credit Report.
  (A) As used in this section: (1) "Consumer credit reporting agency" means any person that, for monetary fees, dues, or on a cooperative nonprofit...
• Section 1349.53 - Civil Action For Noncompliance With Security Freeze.
  (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...
• Section 1349.55 - Non-recourse Civil Litigation Advance Contracts.
  (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...
• Section 1349.61 - Sale Of Gift Card Expiring Within Two Years Of Sale Prohibited.
  (A) (1) Subject to division (C) of this section, no person or entity shall sell a gift card to a purchaser containing an expiration...
• Section 1349.71 - [Repealed].
  Repealed by 129th General AssemblyFile No.39, SB 171, §2, eff. 6/30/2011. Note: The amendment to this section by 129th General AssemblyFile No.10, SB 5,...
• Section 1349.72 - [Repealed].
  Repealed by 129th General AssemblyFile No.39, SB 171, §2, eff. 6/30/2011.
• Section 1349.80 - Live Musical Performance Definitions.
  As used in this section and section 1349.81 of the Revised Code: (A) "Performing group" means a vocal or instrumental group seeking to use...
• Section 1349.81 - Deception Respecting Relationship Of Performing And Recording Group.
  (A) Except as otherwise provided in division (B) of this section, no person shall advertise or conduct a live musical performance or production in...
• Section 1349.82 - Violation Of Rc 1349.81.
  A violation of division (A) of section 1349.81 of the Revised Code is an unfair or deceptive act or practice in violation of section...
• Section 1349.99 - Penalty.
  (A) Whoever violates section 1349.06 or 1349.17 of the Revised Code is guilty of a minor misdemeanor. (B) (1) Whoever violates section 1349.45 of...

Last modified: October 10, 2016