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State consumer-law reference center

Ohio

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Section inventory19 entries
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State law changes and varies by facts. Only source-checked inventories appear below. “Research pending” is not legal guidance and never means DJC may market, enroll, contract, bill, or provide a regulated service in this jurisdiction.
State statute inventory

Consumer-protection authorities under review

19 section entries
Source checked

Ohio Consumer Sales Practices Act — General Provisions

Ohio Rev. Code §§ 1345.01–1345.13

All nineteen general provisions in sections 1345.01 through 1345.13 were checked against the current Ohio Laws chapter. Chapter 1345 also contains specialized home-solicitation, prepaid-entertainment, invention-services, motor-vehicle, assistive-device, and other subparts that remain separate from this core inventory.

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Ohio Rev. Code § 1345.02

Unfair or deceptive acts or practices

Prohibits unfair or deceptive supplier conduct before, during, or after consumer transactions and lists examples.

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Ohio Rev. Code § 1345.021

Ethanol blended into gasoline

Addresses specified representations and disclosures involving ethanol-blended gasoline.

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Ohio Rev. Code § 1345.022

Installation of unsafe used tires

Prohibits installing specified unsafe used tires in consumer transactions.

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Ohio Rev. Code § 1345.03

Unconscionable consumer-sales practices

Prohibits unconscionable acts or practices and identifies circumstances relevant to that determination.

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Ohio Rev. Code § 1345.031

Unconscionable mortgage-supplier acts

Prohibits specified unconscionable mortgage-related conduct and contract provisions.

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Ohio Rev. Code § 1345.032

Fees for copies of deeds

Restricts supplier solicitations and fees involving copies of publicly available deeds.

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Ohio Rev. Code § 1345.05

Attorney General powers and duties

Assigns rulemaking, public-inspection, education, and enforcement responsibilities.

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Ohio Rev. Code § 1345.06

Attorney General investigations

Authorizes investigations, subpoenas, documentary demands, and related procedures.

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Ohio Rev. Code § 1345.07

Attorney General remedies

Provides injunctions, penalties, consumer reimbursement, receivership, and other public relief.

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Ohio Rev. Code § 1345.08

Coordination with other agencies

Directs coordination with administrative agencies when regulated conduct may violate the chapter.

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Ohio Rev. Code § 1345.09

Private causes of action

Addresses rescission, damages, declaratory and injunctive relief, class actions, and attorney fees; review current law before asserting a claim.

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Ohio Rev. Code § 1345.091

Claims against loan assignees

Addresses specified consumer claims or defenses against an assignee or purchaser of a loan.

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Ohio Rev. Code § 1345.092

Supplier right to cure

Provides a statutory cure-offer process and describes its effect on remedies and fees.

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Ohio Rev. Code § 1345.10

Effect of final judgment

Addresses when a final government judgment is admissible as prima facie evidence in another proceeding.

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Ohio Rev. Code § 1345.11

Bona fide errors

Provides limited treatment of specified bona fide errors despite reasonable preventive procedures.

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Research map

Ohio consumer-credit categories

Research pending

Credit services and credit repair organizations

Licensing, registration, bonding, contracts, fees, cancellation, advertising, and prohibited practices.

What the legal reviewer checks
  • Covered-service definitions
  • License or registration requirements
  • Contract and disclosure language
  • Fee and cancellation restrictions
  • Advertising and prohibited practices
Research pending

Debt collection

State collection-agency licensing, prohibited conduct, validation-related rules, remedies, and regulator contacts.

What the legal reviewer checks
  • Collector and agency definitions
  • Licensing and exemptions
  • Communication and conduct restrictions
  • Civil remedies and enforcement
  • Complaint channels
Research pending

Consumer reporting and security freezes

State credit-reporting duties, freezes, protected-consumer freezes, identity-theft blocks, and remedies.

What the legal reviewer checks
  • Freeze placement and lifting
  • Fees and timing
  • Protected consumers
  • Identity-theft procedures
  • Enforcement and remedies
Authority identified

Identity theft, data breach, and privacy

Identity-theft crimes and recovery tools, breach notices, personal-information safeguards, and privacy rights.

  • Ohio Rev. Code §§ 1345.01–1345.13
What the legal reviewer checks
  • Breach notice triggers and timing
  • Covered personal information
  • Security safeguards
  • Identity-theft reports and blocks
  • Attorney-general enforcement
Research pending

Garnishment and judgment protections

State exemptions, disposable-earnings limits, court procedures, bank-account protections, and employer duties.

What the legal reviewer checks
  • Wage and bank exemptions
  • Debt-specific limits
  • Claim-of-exemption procedure
  • Notice and hearing deadlines
  • Employer restrictions
Research pending

Repossession and deficiency balances

Notice, cure, repossession conduct, sale, accounting, redemption, and deficiency rules.

What the legal reviewer checks
  • Right-to-cure notices
  • Repossession restrictions
  • Sale notice and commercial reasonableness
  • Redemption
  • Deficiency accounting and defenses
Research pending

Small-dollar and consumer lending

Licensing, rates, fees, payment plans, disclosures, collection practices, and complaint resources.

What the legal reviewer checks
  • Covered loan definitions
  • License requirements
  • Rate and fee limits
  • Rollover or payment-plan rules
  • Enforcement
Research pending

Mortgage, housing, and auto finance

Servicing, foreclosure, homeowner, dealer-finance, motor-vehicle-sales, and related protections.

What the legal reviewer checks
  • Mortgage servicing and foreclosure
  • Homeowner notices and assistance
  • Dealer and sales-finance licensing
  • Auto disclosures
  • Complaints and remedies
Research pending

Medical and utility debt

Billing, collection, charity-care, utility termination, deposit, and payment-plan rules.

What the legal reviewer checks
  • Hospital and medical billing
  • Charity-care disclosures
  • Utility shutoff protections
  • Deposits and payment plans
  • Complaint agencies
Research pending

Military and veteran protections

State protections that may supplement federal servicemember and military-lending laws.

What the legal reviewer checks
  • State active-duty coverage
  • Interest or collection protections
  • Lease and contract rules
  • Court stays
  • Military legal-assistance contacts

Need information before review is complete?

Use the official state source, state attorney general, financial regulator, or legal-aid provider. Confirm current effective dates and amendments before relying on a section.

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