reglab/housing_qa huggingface dataset:
Ohio Rev Code § 1317.03 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.03 | Evidence of Indebtedness.

Effective: July 1, 1962|Latest Legislation:  Senate Bill 5 - 104th General Assembly|A retail seller may require a retail buyer to execute and deliver a promissory note to evidence the indebtedness created by a retail installment sale, and, to secure the payment of the indebtedness created by the sale or evidenced by the promissory note or to secure the performance of any other condition of the sale, may require the retail buyer to execute and deliver a security agreement to give the retail seller a security interest in the specific goods which were the subject matter of the retail installment sale. A written instrument required by section 1317.02 of the Revised Code may evidence the security interest.
Ohio Rev Code § 1317.031 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.031 | Inclusion of Holder in Due Course.

Effective: August 19, 1994|Latest Legislation:  Senate Bill 147 - 120th General Assembly|Notwithstanding section 1303.35 of the Revised Code, a buyer who executes a purchase money loan installment note or a retail installment contract in connection with a consumer transaction may assert against any holder, assignee, or transferee of the note or contract, specifically including any holder in due course, as defined in section 1303.32 of the Revised Code, of the note or contract any defense that the buyer may assert against the seller that is authorized by this chapter.
Ohio Rev Code § 1317.04 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.04 | Separate Items to Be Listed in Written Instrument.

Effective: January 1, 2021|Latest Legislation:  House Bill 339 - 133rd General Assembly|The written instrument evidencing a retail installment sale and required by section 1317.02 of the Revised Code shall recite the following: (A) The cash price of the specific goods. (B) The amount in cash of the retail buyer's down payment, if any, whether made in money or goods or partly in money or partly in goods. (C) The unpaid balance of the cash price payable by the retail buyer to the retail seller which is the difference between divisions (A) and (B). (D) The amount included for any insurance and the types of insurance coverage. (E) The principal balance owed on the retail installment contract which is the sum total of divisions (C) and (D). (F) The amount of the finance charge. (G) The time balance or indebtedness owed by the retail buyer to the retail seller and the number of installment payments required and the amount and date of each payment necessary finally to pay the time balance which is the sum total of divisions (E) and (F). Divisions (D) and (F) may be added together and stated as one sum in the written instrument and if so stated division (E) may be omitted, but in such event the retail seller or the retail seller's successor in interest shall, within twenty-five days after the making of the retail installment contract, deliver personally, send by mail, or cause to be sent by mail, to the retail buyer at the retail buyer's address as shown on the retail installment contract, a statement reciting the separate amounts of divisions (D), (E), and (F). Division (F) may be stated as a rate, if said rate does not exceed eight per cent per annum straight interest, in which event the time balance provided in division (G) need not be stated. The amount and date of each payment need not be separately listed if the payments are specified in terms of a series of payments of specified amounts, which amounts may state the principal amount plus the finance charge in terms of a rate at specified intervals of time from an initial date. The initial date for the payment of the first installment may be a calendar date or may refer to the time of delivery or installation. As used in this section "down payment" means that part of the payment of the cash price required by the retail seller as a condition to the delivery of the specific goods sold or to be sold or to the extension of credit to the retail buyer for any portion of the cash price.
Ohio Rev Code § 1317.061 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.061 | Retail Seller or Holder May Contract for and Receive Alternative Finance Charges or Interest.

Effective: February 11, 1982|Latest Legislation:  House Bill 526 - 114th General Assembly|As an alternative to the finance charges permitted in division (A) of section 1317.06 of the Revised Code or the interest permitted in division (B) of that section, and to the finance charges permitted in division (B) of section 1317.11 of the Revised Code, a retail seller or holder may contract for and receive finance charges or interest at any rate or rates agreed upon or consented to by the parties to the retail installment contract or revolving budget agreement, but not exceeding an annual percentage rate of twenty-five per cent.
Ohio Rev Code § 1317.062 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.062 | Retail Seller or Holder May Contract for and Receive Alternative Delinquent Charges.

Effective: September 27, 1996|Latest Legislation:  House Bill 538 - 121st General Assembly|(A)(1) As an alternative to the delinquent charges permitted in division (B) of section 1317.06 and division (B) of section 1317.11 of the Revised Code, a retail seller or holder may contract for and receive delinquent charges in any amount agreed upon or consented to by the parties to the retail installment contract or revolving budget agreement.(2) Each retail installment contract and revolving budget agreement permitting delinquent charges in accordance with division (A)(1) of this section shall contain a statement that clearly and concisely informs the consumer of the amount of the delinquent charges and the conditions under which the delinquent charges will be charged.(B) A retail seller or holder may contract with a retail buyer for and receive check collection charges for each check or other negotiable instrument that is issued as payment on the retail installment contract or revolving budget agreement and that is returned or dishonored for any reason.(C) Any charges that are contracted for and received by a retail seller or holder as permitted by this section shall not be included in the computation of the annual percentage rate or rates of interest or finance charges for purposes of determining whether the maximum annual percentage rate or maximum rate or rates of interest or finance charges authorized under sections 1317.06, 1317.061, and 1317.11 of the Revised Code have been exceeded.
Ohio Rev Code § 1317.07 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.07 | Requirements of Retail Installment Contract.

Effective: June 30, 2021|Latest Legislation:  House Bill 74 - 134th General Assembly|No retail installment contract authorized by section 1317.03 of the Revised Code that is executed in connection with any retail installment sale shall evidence any indebtedness in excess of the time balance fixed in the written instrument in compliance with section 1317.04 of the Revised Code, but it may evidence in addition any agreements of the parties for the payment of delinquent charges, as provided for in section 1317.06 of the Revised Code, taxes, and any lawful fee actually paid out, or to be paid out, by the retail seller to any public officer for filing, recording, or releasing any instrument securing the payment of the obligation owed on any retail installment contract. No retail seller, directly or indirectly, shall charge, contract for, or receive from any retail buyer, any further or other amount for examination, service, brokerage, commission, expense, fee, or other thing of value, unless the retail seller is otherwise authorized by law to do so. A documentary service charge customarily and presently being paid on May 9, 1949, in a particular business and area may be charged if the charge does not exceed two hundred fifty dollars per sale. No retail seller shall use multiple agreements with respect to a single item or related items purchased at the same time, with intent to obtain a higher charge than would otherwise be permitted by Chapter 1317. of the Revised Code or to avoid disclosure of an annual percentage rate, nor by use of such agreements make any charge greater than that which would be permitted by Chapter 1317. of the Revised Code had a single agreement been used. Last updated April 9, 2021 at 1:19 PM
Ohio Rev Code § 1317.071 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.071 | Limits on Security Interests.

Effective: April 4, 1973|Latest Legislation:  House Bill 350 - 109th General Assembly|No retail seller, in connection with a retail installment contract arising out of a consumer transaction, shall take any security interest other than as authorized by this section.A seller may take a security interest in the property sold, and in goods upon which services are performed or in which goods sold are installed or to which they are annexed.A seller may secure the debt arising from the sale by contracting for a security interest in other property if, as a result of a prior sale, the seller has an existing security interest in the other property, and he may contract for a security interest in the property sold in the subsequent sale as security for the previous debt. If debts arising from two or more sales are thus secured or are consolidated into one debt payable on a single schedule of payments, and the debt is secured by security interests taken with respect to one or more of the sales, payments received by the seller after the taking of security interests in the other property or the consolidation are deemed, for the purpose of determining the amount of the debt secured by the various security interests, to have been first applied to the payment of the debts arising from the sales first made. To the extent debts are paid according to this section, security interests in items of property terminate as the debt originally incurred with respect to each item is paid.Payments received by the seller upon a revolving charge account are deemed, for the purpose of determining the amount of the debt secured by the various security interests, to have been applied first to the payment of credit service charges in the order of their entry to the account and then to the payment of debts in the order in which the entries to the account showing the debts were made.If the debts consolidated arose from two or more sales made on the same day, payments received by the seller are deemed, for the purpose of determining the amount of the debt secured by the various security interests, to have been applied first to the payment of the smallest debt.
Ohio Rev Code § 1317.08 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.08 | Unenforceable Retail Installment Contracts.

Effective: February 19, 2002|Latest Legislation:  House Bill 229 - 124th General Assembly|(A)(1) No retail installment contract that evidences an indebtedness greater than that allowed under sections 1317.06, 1317.061, 1317.062, and 1317.07 of the Revised Code, and no retail installment contract in connection with which any charge prohibited by sections 1317.01 to 1317.11 of the Revised Code has been contracted for or received, shall be enforceable with respect to that excess indebtedness or charge against any retail buyer or any other person who as surety, indorser, guarantor, or otherwise is liable on the obligation created by any retail buyer on any retail installment contract.(2) No security interest created by any retail installment contract described in division (A)(1) of this section that is greater than that allowed under sections 1317.06, 1317.07, and 1317.071 of the Revised Code shall be enforceable with respect to that excess security interest against any retail buyer or any of the persons described in division (A)(1) of this section, in default under the terms of the retail installment contract.(B) In order for a retail buyer, or any of the persons described in division (A)(1) of this section that is liable on the retail buyer's obligation, to avail the retail buyer or other person of this section, the retail buyer or other person must prove that the retail seller or the holder of the retail installment contract has been notified in writing of the overcharge and has failed within ten days of such notification to advise the retail buyer of a full credit, or the retail buyer or other person must prove that the overcharge has been willful. A correction of any overcharge within sixty days of the date of making of the retail installment contract is conclusive proof of lack of willfulness.(C) This section applies to cases in which recovery is sought from the retail seller or holder of the retail installment contract.(D) If charges greater in amount than those provided for in sections 1317.01 to 1317.11 of the Revised Code are contracted for or received by the retail seller or the retail seller's agent, assignee, or successor in interest, the retail buyer or the retail buyer's assignee or successor in interest may recover the total amount of finance charges paid to the retail seller or the retail seller's agent, assignee, or successor in interest, in excess of the interest rate that otherwise would apply under section 1343.01 of the Revised Code.
Ohio Rev Code § 1317.09 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.09 | Payment in Full Before Maturity - Refund Credit.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|Notwithstanding any retail installment contract to the contrary, any retail buyer may satisfy in full at any time before maturity the debt of any retail installment contract and in so satisfying such debt shall receive a refund credit thereon for such anticipation of payments. The amount of such refund shall represent at least as great a proportion of the total finance charge, less an acquisition cost of ten dollars, as the sum of the periodical time balances, after the date of prepayment, bears to the sum of all the periodical time balances under the schedule of payments in the original contract. When the amount of the credit for anticipation of payments is less than one dollar, no refund need be made.
Ohio Rev Code § 1317.10 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.10 | Prior Agreement Is Not a Waiver.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|No agreement of any retail buyer made prior to or concurrent with the execution of any retail installment contract is a waiver of sections 1317.01 to 1317.11, inclusive, of the Revised Code.
Ohio Rev Code § 1317.13 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.13 | Time Balance.

Effective: July 1, 2001|Latest Legislation:  Senate Bill 74 - 124th General Assembly|As used in this section, "motor vehicle" and "mobile home" have the same meanings as in section 4501.01 of the Revised Code, and "manufactured home" has the same meaning as in section 3781.06 of the Revised Code.Notwithstanding the provisions of section 1309.609 of the Revised Code or any agreement by the parties to a consumer transaction to the contrary, a secured party whose security interest is taken pursuant to section 1317.071 of the Revised Code shall not be entitled to take possession of the collateral, except for collateral that is a motor vehicle, a manufactured home, or a mobile home, upon default by the debtor if the time balance at the time of the default is less than twenty-five per cent of the sum of the time balance on the day such retail installment contract was executed and the down payment recited in such contract.
Ohio Rev Code § 1317.14 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.14 | Waiver of Defenses Provision in Contract Is Void.

Effective: August 8, 1980|Latest Legislation:  House Bill 272 - 113th General Assembly|Any provision in a retail installment contract or in any other agreement that is executed on or after August 1, 1980, by which a buyer in connection with a consumer transaction agrees not to assert any defenses against a seller, or the seller's assignee or transferee, is void, and the courts have no jurisdiction to enforce any such provision.
Ohio Rev Code § 1317.16 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.16 | Disposition of Collateral.

Effective: July 1, 2001|Latest Legislation:  Senate Bill 74 - 124th General Assembly|(A) A secured party whose security interest is taken pursuant to section 1317.071 of the Revised Code may, after default, dispose of any or all of the collateral only as authorized by this section.(B) Disposition of the collateral shall be by public sale only. Such sale may be as a unit or in parcels and the method, manner, time, place, and terms thereof shall be commercially reasonable. At least ten days prior to sale the secured party shall send notification of the time and place of such sale and of the minimum price for which such collateral will be sold, together with a statement that the debtor may be held liable for any deficiency resulting from such sale, by certified mail, return receipt requested, to the debtor at the debtor's last address known to the secured party, and to any persons known by the secured party to have an interest in the collateral. In addition, the secured party shall cause to be published, at least ten days prior to the sale, a notice of such sale listing the items to be sold, in a newspaper of general circulation in the county where the sale is to be held.(C) Except as modified by this section, sections 1309.610, 1309.611, 1309.615, 1309.617, and 1309.624 of the Revised Code govern disposition of collateral by the secured party.
Ohio Rev Code § 1317.23 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.23 | Payment of Refunds.

Effective: May 1, 1992|Latest Legislation:  House Bill 289 - 119th General Assembly|Refunds provided to a buyer under sections 1317.21 and 1317.22 of the Revised Code shall be made by the seller within thirty days of the completion of the applicable notice requirement by delivering cash, a check, or a money order to the buyer. The seller may determine the method of payment and the buyer may determine the manner of delivering the refund. If the seller delivers a cash refund to the buyer in a face-to-face transaction, the seller may require the buyer to sign a receipt for the refund. The receipt shall indicate the date and amount of the refund and shall identify with reasonable specificity the merchandise or specific good which was the subject of the layaway arrangement.
Ohio Rev Code § 1317.24 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.24 | Failure to Comply Is Unfair or Deceptive Act or Practice.

Effective: May 1, 1992|Latest Legislation:  House Bill 289 - 119th General Assembly|A seller's failure to comply with sections 1317.21 to 1317.23 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 § 1317.99 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1317 | Retail Installment Sales|Section 1317.99 | Penalty.

Effective: January 9, 1961|Latest Legislation:  House Bill 1 - 104th General Assembly|(A) Whoever willfully violates sections 1317.01 to 1317.11, inclusive, of the Revised Code, shall be fined not more than one thousand dollars or imprisoned not more than one year, or both.
Ohio Rev Code § 1319.01 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1319 | Miscellaneous Credit Transactions|Section 1319.01 | Liability for Unauthorized Use of Credit Card.

Effective: November 18, 1969|Latest Legislation:  Senate Bill 346 - 108th General Assembly|A cardholder who receives a credit card from an issuer, which such cardholder has not requested nor used, shall not be liable for any use made of such credit card which has not been authorized by such cardholder, unless such credit card is in replacement or renewal of a credit card previously requested or used by the cardholder.
Ohio Rev Code § 1319.02 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1319 | Miscellaneous Credit Transactions|Section 1319.02 | Enforcing Commitment to Pay Attorneys' Fees in Commercial Contract of Indebtedness.

Effective: June 29, 2011|Latest Legislation:  House Bill 9 - 129th General Assembly|(A) As used in this section: (1) "Contract of indebtedness" means a note, bond, mortgage, conditional sale contract, retail installment contract, lease, security agreement, or other written evidence of indebtedness, other than indebtedness incurred for purposes that are primarily personal, family, or household.(2) "Commitment to pay attorneys' fees" means an obligation to pay attorneys' fees that arises in connection with the enforcement of a contract of indebtedness.(3) "Maturity of the debt" includes maturity upon default or otherwise.(B) If a contract of indebtedness includes a commitment to pay attorneys' fees, and if the contract is enforced through judicial proceedings or otherwise after maturity of the debt, a person that has the right to recover attorneys' fees under the commitment, at the option of that person, may recover attorneys' fees in accordance with the commitment, to the extent that the commitment is enforceable under divisions (C) and (D) of this section.(C) A commitment to pay attorneys' fees is enforceable under this section only if the total amount owed on the contract of indebtedness at the time the contract was entered into exceeds one hundred thousand dollars.(D) A commitment to pay attorneys' fees is enforceable only to the extent that it obligates payment of a reasonable amount. In determining the amount of attorneys' fees that is reasonable, all relevant factors shall be considered, including but not limited to, the nature of the services rendered, the time expended in rendering the services, the amount of money and the value of the property affected, and the professional skill and expertise of the attorney or attorneys rendering the services. Unless a court has been requested to make a determination of the amount of attorneys' fees that is reasonable and finds to the contrary by a preponderance of the evidence, the following are deemed reasonable amounts:(1) If the commitment to pay attorneys' fees is based upon a specific percentage of the total principal, interest, and other charges owed on the contract of indebtedness, the percentage of the total so owed as specified in the contract of indebtedness;(2) If the commitment to pay attorneys' fees is not based upon a specific percentage of the total principal, interest, and other charges owed on the contract of indebtedness, an amount equal to the attorneys' fees customarily charged by the attorney or attorneys rendering the services.