reglab/housing_qa huggingface dataset:
Ohio Rev Code § 1121.06 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.06 | Reducing Disadvantage to Ohio Bank or Trust Company.

Effective: January 1, 2018|Latest Legislation:  House Bill 49 - 132nd General Assembly|(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 credit union administration, or any other bank regulatory authority of the United States, or the bank regulatory authority of any other state of the United States, puts a bank or trust company doing business under authority granted by the superintendent of financial institutions at a disadvantage to any other type of financial institution, the superintendent may adopt a rule that reduces or eliminates the disadvantage to a bank or trust company doing business under authority granted by the superintendent.(B) The superintendent shall adopt rules authorized by division (A) of this section in accordance with section 111.15 of the Revised Code.(C) A rule adopted by the superintendent pursuant to the authority of this section is effective on the later of the following dates:(1) The date the superintendent issues the rule;(2) The date the regulation, rule, interpretation, procedure, or guideline the superintendent's rule is based on becomes effective.(D)(1) The superintendent may, upon thirty days' written notice, revoke any rule adopted under the authority of this section. A rule adopted under the authority of this section and not revoked by the superintendent, enacted into law, or adopted in accordance with Chapter 119. of the Revised Code, lapses and has no further force and effect thirty months after its effective date; however, the superintendent may adopt the rule under section 111.15 of the Revised Code pursuant to this section for an additional thirty-month period.(2) The superintendent may require a bank or trust company that has acted in reliance on a rule adopted and later revoked or lapsed under the authority of this section to bring its affected activities in compliance with the law. Unless the activities will or may result in harm to the bank or trust company as determined by the superintendent, the bank or trust company shall be granted a reasonable period of time of not less than one year nor more than two years from the date the rule is revoked or lapsed, to bring its affected activities in compliance with the law. The superintendent may, upon the written request of a bank or trust company, grant the bank or trust company a longer period of time in which to bring its affected activities in compliance with the law.
Ohio Rev Code § 1121.10 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.10 | Examining Records and Affairs.

Effective: March 20, 2019|Latest Legislation:  House Bill 489 - 132nd General Assembly|(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 for that purpose, shall thoroughly examine the records and affairs of each state bank. The examination shall include a review of all of the following: (1) Compliance with law;(2) Safety and soundness;(3) Other matters the superintendent determines.(B) The superintendent may examine the records and affairs of any of the following as the superintendent considers necessary:(1) Any party to a proposed reorganization for which the superintendent's approval is required by section 1115.11 or 1115.14 of the Revised Code;(2) Any bank, savings and loan association, or savings bank proposing to convert to a bank doing business under authority granted by the superintendent for which the superintendent's approval is required by section 1115.02 of the Revised Code; (3) Any person proposing to acquire control of a state bank for which the superintendent's approval is required by section 1115.06 of the Revised Code, or who acquired control of a state bank without the approval of the superintendent when that approval was required by section 1115.06 of the Revised Code, with respect to the state bank of which control is to be, or was, acquired; (4) Any bank proposing to establish or acquire a branch for which the superintendent's approval is required by section 1117.02 of the Revised Code;(5) Any foreign bank that maintains, or proposes to establish, one or more offices in this state;(6) Any trust company.(C) The board of directors or holders of a majority of the shares of a state bank or trust company may request the superintendent conduct a special examination of the records and affairs of the bank or trust company. The superintendent has sole discretion over the scope and timing of a special examination, and may impose restrictions and limitations on the use of the results of a special examination in addition to the restrictions and limitations otherwise imposed by law. The fee for a special examination shall be paid by the bank or trust company examined in accordance with section 1121.29 of the Revised Code.(D) The superintendent may conduct all aspects of an examination concurrently or may divide the examination into constituent parts and conduct them at various times.(E) The superintendent shall preserve the report of each examination, including related correspondence received and copies of related correspondence sent, for ten years after the examination date.
Ohio Rev Code § 1121.101 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.101 | Frequency of Bank Examinations.

Effective: March 20, 2019|Latest Legislation:  House Bill 489 - 132nd General Assembly|(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 the following conditions: (1) It has assets of ten billion dollars or less. (2) Under the uniform financial institutions rating system, it maintains a composite rating of one. (B) The superintendent may conduct more frequent examinations if either of the following applies: (1) The superintendent has reasonable cause to believe that there is a risk of harm to the bank and the examination of the bank is necessary to fully determine the risk to the bank or to determine how best to address the risk. (2) The superintendent participates with financial institution regulatory authorities of other states or the United States in a joint, concurrent, or coordinated examination. (C) A bank's composite rating used for purposes of division (A)(2) of this section is not a public record under section 149.43 of the Revised Code.
Ohio Rev Code § 1121.13 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.13 | Examining Other Corporate Persons Who, Directly or Indirectly, Control Banks.

Effective: January 1, 2018|Latest Legislation:  House Bill 49 - 132nd General Assembly|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 reserve or a savings and loan holding company, as its affairs relate to the bank.
Ohio Rev Code § 1121.15 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.15 | Maintaining Books and Accounts.

Effective: January 1, 2018|Latest Legislation:  House Bill 49 - 132nd General Assembly|(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 state bank or trust company or a representative office, agency, or branch licensed under Chapter 1119. of the Revised Code, whether on or off the premises of the bank, trust company, representative office, agency, or branch, is subject to examination by the superintendent as to the books and records of the bank, trust company, representative office, agency, or branch in the person's possession, to the same extent as if the services were being performed by the bank, trust company, representative office, agency, or branch itself. For the purposes of this division, "services" includes clerical, bookkeeping, accounting, statistical, and other services. A state bank, trust company, representative office, agency, or branch shall notify the superintendent in writing whenever another person is performing services of this kind for the bank, trust company, representative office, agency, or branch, or the bank, trust company, representative office, agency, or branch changes the person performing the services.
Ohio Rev Code § 1121.16 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.16 | Prohibited Acts; Violations.

Effective: January 1, 2018|Latest Legislation:  House Bill 49 - 132nd General Assembly|(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 relation to an examination authorized by section 1121.10 of the Revised Code;(3) Provide false or misleading information in the course of or in relation to an examination authorized by section 1121.10 of the Revised Code, knowing it to be false or misleading.(B) If a state bank, trust company, or regulated person violates division (A) of this section, the superintendent may do any of the following:(1) Issue a cease and desist order pursuant to section 1121.32 of the Revised Code, issue a removal or prohibition order pursuant to section 1121.33 of the Revised Code, issue a suspension or temporary prohibition order pursuant to section 1121.34 of the Revised Code, or assess a civil penalty pursuant to section 1121.35 of the Revised Code;(2) Appoint a conservator for the state bank pursuant to section 1125.09 of the Revised Code;(3) Initiate civil or criminal proceedings the superintendent considers appropriate.
Ohio Rev Code § 1121.17 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.17 | Executing Documents.

Effective: January 1, 2018|Latest Legislation:  House Bill 49 - 132nd General Assembly|(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 the superintendent requires, any officer, official, employee, or director of a state bank or trust company receiving any communication from the division of financial institutions relative to examination or investigation by the superintendent shall submit the communication to the bank's or trust company's executive committee or board of directors.
Ohio Rev Code § 1121.19 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.19 | Self-Assessment Report.

Effective: January 1, 2018|Latest Legislation:  House Bill 49 - 132nd General Assembly|(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 policies and with federal or state statutory or regulatory requirements;(2) Any communication related to the report, including electronic mails or telephone logs.(B) A self-assessment report, any portion or contents of the report, and any documents, data, compilations, analyses, or other information and material generated, created, produced, developed, or prepared as part of the self-assessment process, are privileged and not admissible or subject to discovery in any civil or administrative litigation, action, proceeding, or investigation.(C) The self-assessment privilege granted by this section to a bank and its affiliates applies regardless of whether a bank regulator or any other governmental authority in possession of a self-assessment report or any portion or contents of it subsequently discloses it or any portion or contents of it to a third party as required or permitted by any state or federal law.(D) Notwithstanding any applicable state or federal public records law, a bank regulator or any other governmental authority in possession of a self-assessment report or any portion or contents of it shall not disclose the report or any portion or contents of it to any person in response to a public records request.
Ohio Rev Code § 1121.21 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.21 | Reporting Condition and Income.

Effective: January 1, 2018|Latest Legislation:  House Bill 49 - 132nd General Assembly|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 § 1121.23 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.23 | Criminal Records Check to Be Requested by Superintendent.

Effective: January 1, 2018|Latest Legislation:  House Bill 49 - 132nd General Assembly|Whenever the approval of the superintendent of financial institutions is required under Chapters 1101. to 1127. of the Revised Code, or under an order or supervisory action issued or taken under those chapters, for a person to serve as an organizer, incorporator, director, executive officer, or person who, directly or indirectly controls a bank, or to otherwise have a substantial interest in or participate in the management of a bank, the superintendent shall request the superintendent of the bureau of criminal identification and investigation, or a vendor approved by the bureau, to conduct a criminal records check based on the person's fingerprints in accordance with section 109.572 of the Revised Code. The superintendent of financial institutions shall request that criminal record information from the federal bureau of investigation be obtained as part of the criminal records check. Any fee required under division (C)(3) of section 109.572 of the Revised Code shall be paid by the person who is the subject of the request.Nothing in this section prohibits the superintendent of financial institutions from conditionally approving a person to serve as an organizer, incorporator, director, executive officer, or person who, directly or indirectly, controls a bank, or to otherwise have a substantial interest in or participate in the management of a bank, subject to receiving satisfactory results of the criminal records check. If the superintendent does not receive the results within ninety days after the criminal records check was requested, the superintendent may extend the conditional approval for not more than ninety days.
Ohio Rev Code § 1121.26 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.26 | Considering Impact of Proposed Action or Transaction.

Effective: January 1, 2018|Latest Legislation:  House Bill 49 - 132nd General Assembly|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 action or transaction reasonably indicate that the purpose for the proposed action or transaction is to engage in the banking business and provide banking services in the community to be served, rather than to raise funds for other purposes or otherwise serve a nonbanking purpose.(B) The superintendent shall not require the person proposing the action or transaction to prove any of the following:(1) There is substantial unmet need for banking services in the community.(2) The person will bring banking services or other particular advantages to the community that are not presently available there.(3) The action or transaction will not adversely affect an existing financial institution in the community.
Ohio Rev Code § 1121.27 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.27 | Reasonable and Necessary Conditions.

Effective: January 1, 1997|Latest Legislation:  House Bill 538 - 121st General Assembly|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 reasonable and necessary.
Ohio Rev Code § 1121.30 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.30 | Banks Fund.

Effective: September 30, 2021|Latest Legislation:  House Bill 110 - 134th General Assembly|(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 financial institutions, and the superintendent shall deposit them into the state treasury to the credit of the banks fund, which is hereby created. (B) The superintendent may expend or obligate the banks fund to defray the costs of the division of financial institutions in administering Chapters 1101. to 1127. and sections 1315.01 to 1315.18 of the Revised Code. The superintendent shall pay from the fund all actual and necessary expenses incurred by the superintendent, including for any services rendered by the department of commerce for the division's administration of Chapters 1101. to 1127. and sections 1315.01 to 1315.18 of the Revised Code. The fund shall be assessed a proportionate share of the administrative costs of the department and the division of financial institutions. The proportionate share of the administration costs of the division of financial institutions shall be determined in accordance with procedures prescribed by the superintendent. The amount assessed for the fund's proportional share of the department's administrative costs and the division's administrative costs shall be paid from the banks fund to the division of administration fund and the division of financial institutions fund respectively.  (C) Any money deposited into the state treasury to the credit of the banks fund, but not expended or encumbered by the superintendent to defray the costs of administering Chapters 1101. to 1127. and sections 1315.01 to 1315.18 of the Revised Code, shall remain in the banks fund for expenditures by the superintendent in subsequent years and shall not be used for any purpose other than as set forth in this section. Last updated July 15, 2021 at 1:30 PM
Ohio Rev Code § 1121.37 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.37 | Serving Notice.

Effective: January 1, 1997|Latest Legislation:  House Bill 538 - 121st General Assembly|(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 discretion of the superintendent, by any of the following means:(1) In person by the superintendent or an employee or agent of the division of financial institutions;(2) By regular mail;(3) By registered or certified mail;(4) By private carrier;(5) By any other means permitted by the Rules of Civil Procedure for service of process;(6) By any other manner the superintendent provides, by rule or otherwise, that is reasonably calculated to give notice, including by publication.(B) The superintendent may serve any notice, subpoena, or order described in division (A) of this section on a regulated person by mailing or delivering the notice, subpoena, or order in accordance with division (A) of this section to the principal place of business of the bank or trust company to the attention of the regulated person.(C) A notice, subpoena, or order served by the superintendent in accordance with this section is effective upon delivery with respect to divisions (A)(1) and (4) of this section, upon placing in the regular mail with respect to divisions (A)(2) and (3) of this section, and upon publication or completion of the act reasonably calculated to give notice with respect to division (A)(6) of this section.(D) Fees for service of a notice, subpoena, or order described in division (A) of this section shall be paid from amounts appropriated to the division of financial institutions for that purpose.
Ohio Rev Code § 1121.39 (2021)
2021 Ohio Revised Code|Title 11 | Banks-Savings and Loan Associations|Chapter 1121 | Banks - Superintendent's Powers|Section 1121.39 | Notice Served Within 6 Years of Resignation, Termination or Separation.

Effective: January 1, 1997|Latest Legislation:  House Bill 538 - 121st General Assembly|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 notice and proceed against the regulated person under section 1121.32, 1121.33, 1121.34, or 1121.35 of the Revised Code, if the notice is served in accordance with section 1121.37 of the Revised Code within six years after the date of the regulated person's resignation, termination, or separation from the bank or trust company.