reglab/housing_qa huggingface dataset:
Ohio Rev Code § 1321.42 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.42 | Enforcement Actions Relating to Short-Term Loan License.

Effective: July 1, 2009|Latest Legislation:  House Bill 525 - 127th General Assembly|(A) The superintendent of financial institutions shall, in accordance with Chapter 119. of the Revised Code, suspend or revoke a license issued pursuant to sections 1321.35 to 1321.48 of the Revised Code, if the superintendent determines that either of the following applies: (1) The licensee has failed to comply with any order issued by the superintendent pursuant to section 1321.43 of the Revised Code.(2) Any fact or condition exists that if it had existed or had been known to exist at the time of original or renewal licensure pursuant to sections 1321.35 to 1321.48 of the Revised Code, the fact or condition clearly would have warranted the superintendent to refuse to issue a license pursuant to those sections.(B) The superintendent may make any investigation and conduct any hearing the superintendent considers necessary to determine whether any person has violated sections 1321.35 to 1321.48 of the Revised Code, or any rule or order adopted or issued under section 1321.43 of the Revised Code, or has otherwise engaged in conduct that would justify the suspension, revocation, or refusal of an original or renewal license or the imposition of a fine.The superintendent may impose a monetary fine of not more than one thousand dollars for each such violation.(C) In making any investigation or conducting any hearing pursuant to this section, the superintendent, or any person designated by the superintendent, at any time may compel by subpoena witnesses, may take depositions of witnesses residing without the state in the manner provided for in civil actions, pay any witnesses the fees and mileage for their attendance provided under section 119.094 of the Revised Code, and administer oaths. The superintendent also may compel by order or subpoena duces tecum the production of, and examine, all relevant books, records, accounts, and other documents. If a person does not comply with a subpoena or subpoena duces tecum, the superintendent may apply to the court of common pleas of Franklin county for an order compelling the person to comply with the subpoena or subpoena duces tecum or, for failure to do so, an order to be held in contempt of court.(D) In connection with any investigation under this section, the superintendent may file an action in the court of common pleas of Franklin county or the court of common pleas of the county in which the person who is the subject of the investigation resides, or is engaging in or proposing to engage in actions in violation of sections 1321.35 to 1321.48 of the Revised Code, to obtain an injunction, temporary restraining order, or other appropriate relief. Last updated November 5, 2021 at 5:32 PM
Ohio Rev Code § 1321.421 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.421 | Examination of Short-Term Loan Licensee's Records.

Effective: September 1, 2008|Latest Legislation:  House Bill 545 - 127th General Assembly|As often as the superintendent considers it necessary, the superintendent may examine the records of a licensee, but in any case, the superintendent shall examine the records of a licensee at least annually. Last updated November 4, 2021 at 4:36 PM
Ohio Rev Code § 1321.422 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.422 | Short-Term Loan Licensee Recordkeeping; Annual Reports.

Effective: October 29, 2018|Latest Legislation:  House Bill 123 - 132nd General Assembly|(A) Every licensee shall keep and use in the licensee's business such books, accounts, records, and loan documents as will enable the division of financial institutions to determine whether the licensee is complying with sections 1321.35 to 1321.48 of the Revised Code and with the orders and rules made by the division under those sections. Such books, accounts, records, and loan documents shall be segregated from those pertaining to transactions that are not subject to sections 1321.35 to 1321.48 of the Revised Code. Every licensee shall preserve the books, accounts, records, and loan documents pertaining to loans made under sections 1321.35 to 1321.48 of the Revised Code for at least two years after making the final entry on, or final revision of any loan document relative to, any loan recorded therein. Accounting systems maintained in whole or in part by mechanical or electronic data processing methods that provide information equivalent to that otherwise required are acceptable for this purpose.(B)(1) As required by the superintendent of financial institutions, each licensee shall file with the division each year a report under oath or affirmation, on forms supplied by the division, concerning the business and operation for the preceding calendar year. If a licensee has more than one place of business in this state, the licensee shall furnish a report for each location.(2) The division shall publish annually and make available to the public an analysis of the information required under division (B)(1) of this section, but the individual reports shall not be public records and shall not be open to public inspection. The published analysis shall include all of the following:(a) The total number of borrowers, loans, defaulted loans, and charged-off loans and the total dollar value of the charged-off loans;(b) The average loan size, average contracted and average experienced annual percentage rate, average charges per loan, total contracted loan charges, and total loan charges actually paid;(c) The total number of check collection charges and the total dollar value of those charges;(d) The total number of licensee business locations and the average number of borrowers per location;(e) Any other nonprivate information determined by the superintendent. Last updated November 5, 2021 at 4:19 PM
Ohio Rev Code § 1321.43 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.43 | Short-Term Loan Law Rules and Orders.

Effective: September 1, 2008|Latest Legislation:  House Bill 545 - 127th General Assembly|The superintendent of financial institutions, in accordance with Chapter 119. of the Revised Code, may adopt rules and issue specific orders to enforce and carry out the purposes of sections 1321.35 to 1321.48 of the Revised Code. The superintendent shall issue a rule defining "senior officer" for the purpose of section 1321.37 of the Revised Code. The superintendent may adopt, amend, and repeal substantive rules defining with reasonable specificity acts or practices that violate section 1321.45 of the Revised Code. Last updated November 4, 2021 at 4:38 PM
Ohio Rev Code § 1321.44 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.44 | Violations of Short-Term Loan Law Are Unfair or Deceptive Acts; Criminal Proceedings.

Effective: September 1, 2008|Latest Legislation:  House Bill 545 - 127th General Assembly|(A) A violation of section 1321.41 of the Revised Code is deemed an unfair or deceptive act or practice in violation of section 1345.02 of the Revised Code. A borrower injured by a violation of section 1321.41 of the Revised Code shall have a cause of action and be entitled to the same relief available to a consumer under section 1345.09 of the Revised Code, and all powers and remedies available to the attorney general to enforce sections 1345.01 to 1345.13 of the Revised Code are available to the attorney general to enforce section 1321.41 of the Revised Code. (B) The superintendent of financial institutions or a borrower may bring directly an action to enjoin a violation of sections 1321.35 to 1321.48 of the Revised Code. The prosecuting attorney of the county in which the action may be brought may bring an action to enjoin a violation of sections 1321.35 to 1321.48 of the Revised Code only if the prosecuting attorney first presents any evidence of the violation to the attorney general and, within a reasonable period of time, the attorney general has not agreed to bring the action.(C) The superintendent may initiate criminal proceedings under sections 1321.35 to 1321.48 of the Revised Code by presenting any evidence of criminal violation to the prosecuting attorney of the county in which the offense may be prosecuted. If the prosecuting attorney does not prosecute the violations, or at the request of the prosecuting attorney, the superintendent shall present any evidence of criminal violations to the attorney general, who may proceed in the prosecution with all the rights, privileges, and powers conferred by law on prosecuting attorneys, including the power to appear before grand juries and to interrogate witnesses before such grand juries. These powers of the attorney general are in addition to any other applicable powers of the attorney general.(D) The prosecuting attorney of the county in which an alleged offense may be prosecuted may initiate criminal proceedings under sections 1321.35 to 1321.48 of the Revised Code.(E) In order to initiate criminal proceedings under sections 1321.35 to 1321.48 of the Revised Code, the attorney general first shall present any evidence of criminal violations to the prosecuting attorney of the county in which the alleged offense may be prosecuted. If, within a reasonable period of time, the prosecuting attorney has not agreed to prosecute the violations, the attorney general may proceed in the prosecution with all the rights, privileges, and powers described in division (B) of this section.(F) When a judgment under this section becomes final, the clerk of court shall mail a copy of the judgment, including supporting opinions, to the superintendent. Last updated November 4, 2021 at 4:39 PM
Ohio Rev Code § 1321.46 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.46 | Verification of Borrower's Income Before Making Short-Term Loan.

Effective: October 29, 2018|Latest Legislation:  House Bill 123 - 132nd General Assembly|(A) Before initiating a short-term loan transaction with a borrower, a licensee shall make a reasonable attempt to verify the borrower's income for purposes of division (B)(2) of section 1321.39 and section 1321.391 of the Revised Code. At a minimum, the licensee shall obtain from the borrower one or more recent pay stubs or other written evidence of recurring income, such as a bank statement. The written evidence shall include at least one document that, when presented to the licensee, is dated not earlier than forty-five days prior to the borrower's initiation of the short-term loan transaction. If the borrower intends to provide a bank statement, the licensee shall permit the borrower to delete from the statement the information regarding to whom the debits listed on the statement are payable.  (B) The superintendent of financial institutions may adopt rules under section 1321.43 of the Revised Code that set forth any other procedures the superintendent considers necessary to ensure accurate verification of borrower income. Last updated November 4, 2021 at 4:44 PM
Ohio Rev Code § 1321.47 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.47 | Duties of Short-Term Loan Licensees; Civil Action by Borrower.

Effective: September 1, 2008|Latest Legislation:  House Bill 545 - 127th General Assembly|(A) A person licensed, and any person required to be licensed under sections 1321.35 to 1321.48 of the Revised Code, in addition to duties imposed by other statutes or common law, shall do all of the following: (1) Follow reasonable and lawful instructions from the borrower;(2) Act with reasonable skill, care, and diligence;(3) Act in good faith and fair dealing in any transaction or practice or course of business in connection with a short-term loan.(B) The duties and standards of care created in this section may not be waived or modified.(C) A borrower injured by a violation of this section may bring an action for recovery of damages. Damages awarded shall not be less than all compensation paid directly or indirectly to a licensee from any source, plus reasonable attorney's fees and court costs. The borrower may be awarded punitive damages. Last updated November 4, 2021 at 4:44 PM
Ohio Rev Code § 1321.48 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.48 | Reports by Superintendent; Confidentiality of Information.

Effective: September 1, 2008|Latest Legislation:  House Bill 545 - 127th General Assembly|(A) The superintendent of financial institutions shall report semiannually to the governor and the general assembly on the operations of the division of financial institutions with respect to the following: (1) Enforcement actions instituted by the superintendent for a violation of or failure to comply with any provision of sections 1321.35 to 1321.48 of the Revised Code, and the final dispositions of each such enforcement action;(2) Suspensions, revocations, or refusals to issue or renew licenses under sections 1321.35 to 1321.48 of the Revised Code.(B) The information required under divisions (A)(1) and (2) of this section does not include information that, pursuant to division (C) of this section, is confidential.(C) The following information is confidential:(1) Examination information, and any information leading to or arising from an examination;(2) Investigation information, and any information arising from or leading to an investigation.(D) The information described in division (A)(1) of this section shall remain confidential for all purposes except when it is necessary for the superintendent to take official action regarding the affairs of a licensee, or in connection with criminal or civil proceedings to be initiated by a prosecuting attorney or the attorney general. This information also may be introduced into evidence or disclosed when, and in the manner, authorized by section 1181.25 of the Revised Code.(E) All application information, except social security numbers, employer identification numbers, financial account numbers, the identity of the institution where financial accounts are maintained, personal financial information, fingerprint cards and the information contained on such cards, and criminal background information, is a public record as defined in section 149.43 of the Revised Code.(F) This section does not prevent the division from releasing information relating to licensees to the attorney general for purposes of that office's administration of Chapter 1345. of the Revised Code. Information the division releases to the attorney general pursuant to this section remains privileged and confidential, and the attorney general may not disclose the information except by introduction into evidence in connection with the attorney general's administration of Chapter 1345. of the Revised Code or as authorized by the superintendent. Last updated November 4, 2021 at 4:45 PM
Ohio Rev Code § 1321.52 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.52 | Registrants May Make General Loans; Choice of Law; Security; Superintendent Authority.

Effective: September 1, 2021|Latest Legislation:  House Bill 133 - 134th General Assembly|(A)(1) A registrant may make loans, other than a residential mortgage loan as defined in section 1322.01 of the Revised Code, on terms and conditions provided by sections 1321.51 to 1321.60 of the Revised Code. (2) Each person issued a certificate of registration is subject to all the rules prescribed under sections 1321.51 to 1321.60 of the Revised Code. (B)(1) All loans made to persons who at the time are residents of this state are considered as made within this state and subject to the laws of this state, regardless of any statement in the contract or note to the contrary, except if the loan is for the purpose of purchasing goods acquired by the borrower when the borrower is outside of this state, the loan may be governed by the laws of the other state. (2) Nothing in division (B)(1) of this section prevents a choice of law or requires registration of persons outside of this state in a transaction involving the solicitation of residents of this state to obtain non-real estate secured loans that require the borrowers to physically visit a lender's out-of-state office to apply for and obtain the disbursement of loan funds. (C) A registrant may make unsecured loans and loans secured by other than residential real estate or a dwelling as those terms are defined in section 1322.01 of the Revised Code. (D) For the purpose of registering persons under and requiring compliance with sections 1321.51 to 1321.60 of the Revised Code, the superintendent may do any of the following: (1) Require any person registered under or applying for registration under these sections to do both of the following: (a) Utilize the national multistate licensing system for application, renewal, amendment, or surrender of a license or for any other activity as the superintendent may require; (b) Pay all applicable charges to utilize the national multistate licensing system. (2) Establish requirements as necessary for the use of the national multistate licensing system to meet the purposes of these sections, including: (a) Background checks for: (i) Criminal history through fingerprint or other databases; (ii) Civil or administrative records; (iii) Credit history; (iv) Any other information considered necessary by the national multistate licensing system or the superintendent. (b) The payment of fees to apply for or renew licenses through the multistate licensing system; (c) The setting or resetting of renewal or reporting dates; (d) Requirements for amending or surrendering a license or any other such activities as the superintendent considers necessary for participation in the national multistate licensing system. Last updated November 5, 2021 at 3:01 PM
Ohio Rev Code § 1321.541 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.541 | Actions by Attorney General, County Prosecutor to Enforce General Loan Law.

Effective: January 1, 2007|Latest Legislation:  Senate Bill 185 - 126th General Assembly|(A) The attorney general may directly bring an action to enjoin a violation of sections 1321.51 to 1321.60 of the Revised Code with the same rights, privileges, and powers as those described in section 1345.06 of the Revised Code. The prosecuting attorney of the county in which the action may be brought may bring an action to enjoin a violation of sections 1321.51 to 1321.60 of the Revised Code only if the prosecuting attorney first presents any evidence of the violation to the attorney general and, within a reasonable period of time, the attorney general has not agreed to bring the action.(B)(1) The prosecuting attorney of the county in which an alleged offense may be prosecuted may initiate criminal proceedings under sections 1321.51 to 1321.60 of the Revised Code.(2) In order to initiate criminal proceedings under sections 1321.51 to 1321.60 of the Revised Code, the attorney general shall first present any evidence of criminal violations to the prosecuting attorney of the county in which the alleged offense may be prosecuted. If, within a reasonable period of time, the prosecuting attorney has not agreed to prosecute the violations, the attorney general may proceed in the prosecution with all the rights, privileges, and powers conferred by law on prosecuting attorneys, including the power to appear before grand juries and to interrogate witnesses before such grand juries.(C) These powers of the attorney general shall be in addition to any other applicable powers of the attorney general. Last updated November 5, 2021 at 3:16 PM
Ohio Rev Code § 1321.551 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.551 | Evading General Loan Law Requirements.

Effective: March 23, 2018|Latest Legislation:  House Bill 199 - 132nd General Assembly|No registrant shall conduct the business of making loans under sections 1321.51 to 1321.60 of the Revised Code in any office, room, or place of business in which any other business is solicited or engaged in, or in association or conjunction with any other such business, if the superintendent of financial institutions finds, pursuant to a hearing conducted in accordance with Chapter 119. of the Revised Code, that the other business is of such a nature that the conduct tends to conceal evasion of sections 1321.51 to 1321.60 of the Revised Code or of the rules adopted under those sections, and orders the registrant in writing to desist from the conduct. Last updated November 5, 2021 at 3:43 PM
Ohio Rev Code § 1321.56 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.56 | Forfeiting General Loan Interest for Interest Rate Violation.

Effective: June 13, 1996|Latest Legislation:  Senate Bill 189 - 121st General Assembly|Any person who willfully violates section 1321.57 of the Revised Code shall forfeit to the borrower the amount of interest paid by the borrower. The maximum rate of interest applicable to any loan transaction that does not comply with section 1321.57 of the Revised Code shall be the rate that would be applicable in the absence of sections 1321.51 to 1321.60 of the Revised Code. Last updated November 5, 2021 at 3:46 PM
Ohio Rev Code § 1321.571 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.571 | General Loan Alternative Interest Rate.

Effective: February 11, 1982|Latest Legislation:  House Bill 526 - 114th General Assembly|As an alternative to the interest permitted in division (A) of section 1321.57 and in division (B) of section 1321.58 of the Revised Code, a registrant may contract for and receive interest at any rate or rates agreed upon or consented to by the parties to the loan contract or open-end loan agreement, but not exceeding an annual percentage rate of twenty-five per cent. Last updated November 5, 2021 at 3:47 PM
Ohio Rev Code § 1321.59 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.59 | General Loan Law Registrant - Prohibited Acts.

Effective: March 23, 2018|Latest Legislation:  House Bill 199 - 132nd General Assembly|(A) No registrant under sections 1321.51 to 1321.60 of the Revised Code shall permit any borrower to be indebted for a loan made under sections 1321.51 to 1321.60 of the Revised Code at any time while the borrower is also indebted to an affiliate or agent of the registrant for a loan made under sections 1321.01 to 1321.19 of the Revised Code for the purpose or with the result of obtaining greater charges than otherwise would be permitted by sections 1321.51 to 1321.60 of the Revised Code.(B) No registrant shall induce or permit any person to become obligated to the registrant under sections 1321.51 to 1321.60 of the Revised Code, directly or contingently, or both, under more than one contract of loan at the same time for the purpose or with the result of obtaining greater charges than would otherwise be permitted by sections 1321.51 to 1321.60 of the Revised Code.(C) No registrant shall refuse to provide information regarding the amount required to pay in full a loan under sections 1321.51 to 1321.60 of the Revised Code when requested by the borrower or by another person designated in writing by the borrower. Last updated November 5, 2021 at 3:49 PM
Ohio Rev Code § 1321.591 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.591 | Compliance With Fair Debt Collection Practices Act.

Effective: October 16, 2009|Latest Legislation:  House Bill 1 - 128th General Assembly|No registrant or licensee shall fail to follow the practices set forth in the federal "Fair Debt Collection Practices Act," 91 Stat. 874, 15 U.S.C. 1692, as amended, notwithstanding the fact that the registrant or licensee is seeking to collect upon the registrant's own debt.