reglab/housing_qa huggingface dataset:
Ohio Rev Code § 1349.51 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1349 | Consumer Protection|Section 1349.51 | Prohibiting Disclosure of Certain Consumer Information.

Effective: September 23, 2004|Latest Legislation:  Senate Bill 151 - 125th General Assembly|(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 licensed as a resident insurance agent under section 3905.06 of the Revised Code.(B) No consumer reporting agency shall sell or otherwise furnish any information relative to an individual's insurance coverage that was submitted, in whole or in part, in conjunction with an insurance company's inquiry into an individual's credit history or request for a consumer report. This information includes, but is not limited to, the expiration date of an insurance policy, information that may be used to find a policy's expiration date or approximate expiration date, and the terms and conditions of an insurance policy.(C) Division (B) of this section does not prohibit a consumer reporting agency from furnishing information relative to an individual's insurance coverage to the agent or producer that supplied the information.(D) Division (B) of this section does not prohibit a consumer reporting agency from furnishing information relative to an individual's insurance coverage to an insurance company, the insurer's affiliates, or members of a holding company in which the insurer is a member, if the information was supplied by an agent or producer acting on behalf of the insurer.(E) Nothing in this section shall be construed to prohibit an insurance company from obtaining a claims history or motor vehicle report.(F) An insurance company shall indemnify, defend, and hold harmless its licensed resident insurance agent from and against all liability, damages, fees, and costs arising out of or relating to the actions, errors, or omissions of its licensed resident insurance agent resulting from the use of credit information or insurance scores for the insurance company, provided that its licensed resident insurance agent follows the procedures and instructions established by the insurance company for its licensed resident insurance agent, works within the authority granted by the insurance company to its licensed resident insurance agent, and complies with all applicable laws and regulations. Nothing in this section shall be construed to provide a consumer or insured with a cause of action that does not exist in the absence of this section.
Ohio Rev Code § 1349.72 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1349 | Consumer Protection|Section 1349.72 | Written Notice to Debtor.

Effective: September 1, 2021|Latest Legislation:  House Bill 133 - 134th General Assembly|(A) Not less than thirty days prior to a person filing a foreclosure action to collect on a debt secured by residential real property, the person shall first send a written notice as described in division (B) of this section via United States mail to the residential address of the debtor, if both of the following apply: (1) The debt is secured by a mortgage lien on the debtor's residential real property that is not in the first mortgage position. (2) The debt has either been accelerated or is in default in accordance with the terms set forth in the promissory note. (B) The written notice may be included on, or accompany, any other communication, and shall be printed in at least twelve-point type and include the following: (1) The name and contact information of the person collecting the debt; (2) A statement of the amount of the debt; (3) A statement that the debtor has a right to engage an attorney; (4) A statement that the debtor may qualify for debt relief under Chapter 7 or 13 of the United States Bankruptcy Code, 11 U.S.C. Chapter 7 or 13, as amended; (5) A statement that a debtor that qualifies under Chapter 13 of the United States Bankruptcy Code may be able to protect their residential real property from foreclosure. (C) Upon written request of the debtor, the owner of the debt shall provide a copy of the note and the loan history to the debtor. (D)(1) As used in this division: (a) "Bona fide error" means an unintentional clerical, calculation, computer malfunction or programming, or printing error. (b) "Restitution" means either of the following: (i) A waiver of all fees, costs, or expenses proximately associated with the failure to provide the notice to the debtor; or (ii) Actual damages. (2) Any owner of debt subject to divisions (A), (B), and (C) of this section shall not be held civilly liable in any action, if all of the following are met: (a) The owner of the debt shows by a preponderance of evidence that the compliance failure was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error. (b) Within sixty days after discovering the error, and prior to the initiation of any action, the owner of the debt notifies the debtor of the error and the manner in which the owner of the debt intends to make full restitution to the debtor. (c) The owner of the debt promptly makes reasonable restitution to the debtor. (3) If, in the event of a compliance failure, the owner of the debt does not meet the conditions set forth in division (D)(2) of this section, a debtor injured by the error has a cause of action to recover damages. Such an action shall not, however, be maintained as a class action. Last updated June 15, 2021 at 5:46 PM
Ohio Rev Code § 1349.80 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1349 | Consumer Protection|Section 1349.80 | Live Musical Performance Definitions.

Effective: September 30, 2011|Latest Legislation:  Senate Bill 84 - 129th General Assembly|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 the name of a recording group that previously released a commercial sound recording under the recording group's name.(B) "Recording group" means a vocal or instrumental group that includes at least one member who satisfies both of the following criteria:(1) The member previously released a commercial sound recording under the vocal or instrumental group's name.(2) The member has a legal right to the vocal or instrumental group's name by virtue of use of or operation under that group name or affiliation with the group.(C) "Commercial sound recording" means a work that results from the fixation on a material object of a series of musical, spoken, or other sounds, regardless of the nature of the material object, including, but not limited to, a compact disc, cassette tape, or phonograph album in which sounds are embodied.
Ohio Rev Code § 1349.81 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1349 | Consumer Protection|Section 1349.81 | Deception Respecting Relationship of Performing and Recording Group.

Effective: September 30, 2011|Latest Legislation:  Senate Bill 84 - 129th General Assembly|(A) Except as otherwise provided in division (B) of this section, no person shall advertise or conduct a live musical performance or production in this state through the use of a false, deceptive, or misleading affiliation, connection, or association between a performing group and a recording group. (B) Division (A) of this section does not apply to a person if any of the following circumstances apply:(1) The performing group is the authorized registrant and owner of a federal service mark for that group registered in the United States patent and trademark office or is the owner of a valid trademark for that group under the "Lanham Act," 60 Stat. 427-443 (1946), 15 U.S.C. 1125(a), as amended.(2) At least one member of the performing group is a member of the recording group and has a legal right to that group name by virtue of use or operation under the group name without having abandoned the name or affiliation with the group.(3) The live musical performance or production is identified in all advertising and promotion for the performance as a salute or tribute to the recording group.(4) The advertising does not relate to a live musical performance or production that the performing group conducts in this state.(5) The performance or production is authorized expressly in writing by at least one member of the recording group.
Ohio Rev Code § 1349.82 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1349 | Consumer Protection|Section 1349.82 | Violation of Rc 1349.81.

Effective: September 30, 2011|Latest Legislation:  Senate Bill 84 - 129th General Assembly|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 1345.02 of the Revised Code.
Ohio Rev Code § 1349.99 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1349 | Consumer Protection|Section 1349.99 | Penalty.

Effective: March 23, 2018|Latest Legislation:  House Bill 199 - 132nd General Assembly|(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 the Revised Code is guilty of a misdemeanor of the first degree.(2) Notwithstanding division (B)(1) of this section, the only remedies that are available for a violation of section 1349.45 of the Revised Code by a registrant or licensee under Chapter 1322. of the Revised Code are those set forth in section 1322.50 of the Revised Code or otherwise provided by statute or common law.(3) The provisions of division (B) of this section are not intended to be exclusive remedies and do not preclude the use of any other remedy provided by law.
Ohio Rev Code § 1351.01 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1351 | Lease-Purchase Agreements|Section 1351.01 | Lease-Purchase Agreement Definitions.

Effective: June 29, 1988|Latest Legislation:  House Bill 421 - 117th General Assembly|As used in this chapter:(A) "Advertisement" means any written, visual, or oral communication made to a lessee or prospective lessee by means of personal representation, newspaper, magazine, circular, billboard, direct mailing, sign, radio, television, telephone, or other means of communication, that aids, promotes, or assists, directly or indirectly, a lease-purchase agreement.(B) "Cash price" means the price at which a lessor in the ordinary course of business would offer the property that is the subject of a lease-purchase agreement to the lessee for cash on the date of the lease-purchase agreement. It may include sales taxes.(C) "Lessee" means an individual who leases personal property pursuant to a lease-purchase agreement.(D) "Lessor" means a person who, in the ordinary course of business, regularly offers to lease or arranges for personal property to be leased pursuant to a lease-purchase agreement.(E) "Personal property" means any property that is not real property under the laws of the state where it is located when it is offered or made available for a lease-purchase agreement.(F) "Lease-purchase agreement" means an agreement for the use of personal property by an individual primarily for personal, family, or household purposes for an initial period of four months or less that is automatically renewable with each lease payment after the initial period and that permits the lessee to acquire ownership of the property. It does not include any of the following:(1) A lease for agricultural, business, or commercial purposes;(2) A lease made to an organization;(3) A lease of money or intangible personal property;(4) A lease of a motor vehicle as defined in section 4501.01 of the Revised Code.
Ohio Rev Code § 1351.03 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1351 | Lease-Purchase Agreements|Section 1351.03 | Provisions Prohibited in Lease-Purchase Agreement.

Effective: June 29, 1988|Latest Legislation:  House Bill 421 - 117th General Assembly|(A) A lease-purchase agreement shall not contain a provision that requires a lessee to do any of the following:(1) Execute a warrant of attorney to confess judgment;(2) Authorize the lessor or an agent of the lessor to commit a breach of the peace in the repossession of property that is the subject of the lease-purchase agreement;(3) Waive a defense, counterclaim, or any right the lessee has against the lessor or an agent of the lessor.(B) No lease-purchase agreement shall provide that mere failure to return property constitutes probable cause for a criminal action.
Ohio Rev Code § 1351.04 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1351 | Lease-Purchase Agreements|Section 1351.04 | Terms That May Not Be Required.

Effective: June 29, 1988|Latest Legislation:  House Bill 421 - 117th General Assembly|A lessor shall not require any of the following from a lessee:(A) The purchase of insurance from the lessor for property that is the subject of a lease-purchase agreement;(B) Any payment in addition to the number of lease payments specified in the lease-purchase agreement other than the payment described in division (B) of section 1351.06 of the Revised Code, that is required in order for the lessee to acquire ownership of the leased property;(C) Lease payments that in the aggregate exceed the maximum permissible amount set forth in section 1351.06 of the Revised Code;(D) A penalty for early termination of a lease-purchase agreement or for the return of any leased property at any time;(E) A fee for in-home collection of a lease payment unless the amount of the fee is disclosed and the lessee expressly has agreed to pay the fee.
Ohio Rev Code § 1351.05 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1351 | Lease-Purchase Agreements|Section 1351.05 | Reinstatement of Agreement After Default.

Effective: June 20, 1988|Latest Legislation:  House Bill 421 - 117th General Assembly|(A) A lessee who fails to make timely lease payments has the right to reinstate the original lease-purchase agreement without losing any rights or options previously acquired under the lease-purchase agreement within three lease terms after the expiration of the last lease term for which the lessee made a timely payment if the lessee surrenders the leased property to the lessor when the lessor or its agent requests him to surrender the leased property.(B) Before reinstating a lease-purchase agreement, a lessor may require a lessee to pay any unpaid lease payments, delinquency charges, a reasonable reinstatement fee of not more than five dollars, and a delivery charge if redelivery of the leased property is necessary.(C) If reinstatement occurs pursuant to this section, the lessor shall provide the lessee with either the same property leased by the lessee prior to reinstatement or substitute property that is of comparable quality and condition. If substitute property is provided, the lessor shall provide the lessee with all of the disclosures required by section 1351.02 of the Revised Code.(D) A lessee who fails to make a timely lease payment shall, before such lessee is determined to be in default, be allowed a grace period of not less than two days if payments are made in weekly installments and not less than five days if payments are made in monthly installments; however, no lessee shall be entitled to more than three such monthly grace periods per year.
Ohio Rev Code § 1351.06 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1351 | Lease-Purchase Agreements|Section 1351.06 | Acquiring Ownership When 50% of Payments Equals Cash Price.

Effective: June 29, 1988|Latest Legislation:  House Bill 421 - 117th General Assembly|(A) No lessor shall offer a lease-purchase agreement in which fifty per cent of all lease payments necessary to acquire ownership of the leased property exceed the cash price of the leased property. When fifty per cent of all lease payments made by a lessee equals the cash price of the property disclosed to the lessee pursuant to division (A)(11) of section 1351.02 of the Revised Code, the lessee shall acquire ownership of the leased property and the lease-purchase agreement shall terminate.(B) At any time after tendering an initial lease payment, a lessee may acquire ownership of the property that is the subject of the lease-purchase agreement by tendering an amount equal to the amount by which the cash price of the leased property exceeds fifty per cent of all lease payments made by the lessee.
Ohio Rev Code § 1351.07 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1351 | Lease-Purchase Agreements|Section 1351.07 | Advertisements - Mandatory Information to Be Supplied.

Effective: June 29, 1988|Latest Legislation:  House Bill 421 - 117th General Assembly|(A) No advertisement for a lease-purchase agreement shall state that a lease of any specific property is available at specific amounts or on specific terms unless the lessor will lease the property at those amounts or on those terms.(B) No advertisement shall state that a payment or a lease payment is due upon origination of a lease without disclosing all of the following:(1) The payment due upon origination of the lease;(2) The lease payment;(3) The total number of lease payments necessary to obtain ownership of the property that is the subject of the lease-purchase agreement.(C) All property displayed or offered under a lease-purchase agreement shall have stamped upon or affixed to the property and clearly and conspicuously indicated in Arabic numerals that are readable and understandable by visual inspection, all of the following:(1) The cash price of the property;(2) The amount of the lease payment;(3) The total number of lease payments necessary to acquire ownership of the property that is the subject of the lease-purchase agreement.(D) With respect to matters specifically governed by the "Consumer Credit Protection Act," 15 U.S.C.A. 1667, 90 Stat. 257, as amended, compliance with such act satisfies the requirements of this section.
Ohio Rev Code § 1351.08 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1351 | Lease-Purchase Agreements|Section 1351.08 | Liability of Lessor for Noncompliance.

Effective: June 29, 1988|Latest Legislation:  House Bill 421 - 117th General Assembly|(A) A lessor who fails to comply with the requirements of this chapter with respect to a lease-purchase agreement is liable to the lessee in an amount equal to the sum of the following:(1) The costs of the action and reasonable attorney's fees as determined by the court;(2) The greater of the following:(a) The actual damages sustained by the lessee as a result of the failure of the lessor;(b)(i) In the case of an individual action, twenty-five per cent of the total amount necessary to acquire ownership of the property that is the subject of the lease-purchase agreement, but not less than two hundred dollars or more than one thousand dollars;(ii) In the case of a class action, an amount the court determines to be appropriate except that as to each member of the class no minimum recovery is applicable. The total recovery under division (A)(2)(b)(ii) of this section in any class action or series of class actions arising out of the same failure to comply cannot be more than the lesser of five hundred thousand dollars or an amount equal to one per cent of the net worth of the lessor.(B) If a particular lease-purchase agreement has more than one lessee, only one recovery of damages is allowed under division (A)(2) of this section for a violation of this chapter. Multiple violations in connection with a single lease-purchase agreement entitle the lessee or multiple lessees to only one recovery under this section.(C) No action under this section may be brought more than two years after the occurrence of the violation that is the subject of the suit, or more than two years after the lessee made his last lease payment, whichever is later. This division does not bar a lessee from asserting a violation of this chapter as a matter of defense by recoupment or set-off in an action brought by a lessor more than two years after the date of the occurrence of the violation on an obligation arising from the lease-purchase agreement.(D) A lessee may not take any action to offset any amount for which a lessor is potentially liable under division (A)(2) of this section against any amount owed by the lessee, unless the amount of the liability of the lessor has been determined by a judgment of a court of competent jurisdiction in an action in which the lessor was a party. This division does not bar a lessee in default on an obligation arising from the lease-purchase agreement from asserting a violation of this chapter in an original action, or as a defense or counterclaim to an action brought by the lessor to collect amounts owed by the lessee pursuant to the lease-purchase agreement.
Ohio Rev Code § 1351.09 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1351 | Lease-Purchase Agreements|Section 1351.09 | Limits on Lessor's Liability.

Effective: June 29, 1988|Latest Legislation:  House Bill 421 - 117th General Assembly|(A) A lessor is not liable under section 1351.08 of the Revised Code for any violation of the requirements of this chapter if, within sixty days after discovering an error, and before an action for damages is filed against him pursuant to section 1351.08 of the Revised Code or written notice of the error is received from the lessee, the lessor notifies the lessee of the error and makes adjustments to the account of the lessee that are necessary to assure that the lessee is not required to pay an amount in excess of the amounts actually disclosed. This division applies whether the error was discovered through the lessor's own procedures or by any other means.(B) A lessor is not liable under section 1351.08 of the Revised Code for damages in excess of the actual damage sustained by the lessee if the lessor shows by a preponderance of the evidence that the violation of this chapter resulted from a bona fide error notwithstanding the maintenance by the lessor of procedures reasonably adopted to avoid the error. As used in this division, "bona fide error" includes, but is not limited to, clerical, calculation, computer malfunction and programming, and printing errors.