reglab/housing_qa huggingface dataset:
Ohio Rev Code § 1321.141 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.141 | Small Loan Requirements and Restrictions.

Effective: October 29, 2018|Latest Legislation:  House Bill 123 - 132nd General Assembly|(A) A licensee shall not make a loan under sections 1321.01 to 1321.19 of the Revised Code that meets either of the following conditions: (1) The amount of the loan is one thousand dollars or less. (2) The loan has a duration of one year or less. (B) A licensee shall not engage in any act or practice to evade the requirement of division (A) of this section, including by assisting a borrower to obtain a loan on terms that would be prohibited by that division. (C) No licensee shall fail to comply with this section. Last updated November 3, 2021 at 5:43 PM
Ohio Rev Code § 1321.15 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.15 | Loans Designed to Circumvent Limitations on Interest Rates, Charges, or Loan Amount.

Effective: September 1, 2008|Latest Legislation:  House Bill 545 - 127th General Assembly|(A) No licensee shall knowingly induce or permit any person, jointly or severally, to be obligated, 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 a higher rate of interest or greater charges than would otherwise be permitted upon a single loan made under sections 1321.01 to 1321.19 of the Revised Code. (B) No licensee shall charge, contract for, or receive, directly or indirectly, interest and charges greater than such licensee would be permitted to charge, contract for, or receive without a license under sections 1321.01 to 1321.19 of the Revised Code on any part of an indebtedness for one or more than one loan of money if the amount of such indebtedness is in excess of five thousand dollars.(C) For the purpose of the limitations set forth in this section, the amount of any such indebtedness shall be determined by including the entire obligation of any person to the licensee for principal, direct or contingent or both, as borrower, indorser, guarantor, surety for, or otherwise, whether incurred or subsisting under one or more than one contract of loan, except that any contract of indorsement, guaranty, or suretyship that does not obligate the indorser, guarantor, or surety for any charges in excess of eight per cent per annum, is not included in such entire obligation. If a licensee acquires, directly or indirectly, by purchase or discount, bona fide obligations for goods or services owed by the person who received such goods or services to the person who provided such goods or services, then the amount of such purchased or discounted indebtedness to the licensee shall not be included in computing the aggregate indebtedness of such borrower to the licensee for the purpose of the prohibitions set forth in this section. Last updated November 3, 2021 at 5:43 PM
Ohio Rev Code § 1321.17 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.17 | Out-of-State Small Loans.

Effective: July 14, 1981|Latest Legislation:  House Bill 134 - 114th General Assembly|No loan made outside this state for which a greater rate of interest, consideration, or charges than is authorized by sections 1321.01 to 1321.19 of the Revised Code has been charged, contracted for, or received is enforceable in this state and every person participating therein in this state is subject to sections 1321.01 to 1321.19 of the Revised Code; provided that this section does not apply to loans legally made in any state under and in accordance with a regulatory loan law similar in principle to such sections. All loan contracts made with 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 as to licensing if the lender is licensed under and in accordance with a regulatory loan law similar in principle to such sections. A loan in an amount of five thousand dollars or less made to a borrower residing in this state at the time the loan is made by a lender whose office is located outside this state and whose primary business consists of making loans by mail is not enforceable in this state for a greater rate of interest, consideration, or charges than is authorized by sections 1321.01 to 1321.19 of the Revised Code. Last updated November 3, 2021 at 5:44 PM
Ohio Rev Code § 1321.18 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.18 | Civil Action to Reverse, Rescind, or Modify Division Order.

Effective: September 26, 1996|Latest Legislation:  Senate Bill 293 - 121st General Assembly|In addition to any other remedy that may be available, any licensee and any person alleging to be aggrieved by an order or action of the division of financial institutions, within thirty days from the entry of the order complained of, or within sixty days of the action complained of if there is no order, may file a complaint against the superintendent of financial institutions in the court of common pleas of Franklin county. Such complaint may pray for reversal, rescission, or modification of the order or action complained of, and for such other relief as may be appropriate, and it shall allege the facts relied upon to obtain any such relief. When the complaint has been filed, summons forthwith shall be issued and shall be served upon the superintendent, either by personal service or by certified mail addressed to the superintendent's office in the department of commerce. The summons is returnable within five days from its date and in all other respects it is made as in civil actions. All allegations of the complaint shall be deemed denied without further pleading, and the court, upon application by either party, shall advance the cause and hear it without delay. Mere technical irregularities in the procedure had before the division shall be disregarded, and the burden of proof is on the complainant to show that the division, in issuing the order or in taking the action complained of, exceeded or abused its discretion. Any party to the action may summon witnesses and compel their attendance as in any criminal action, and may introduce evidence in addition to that relied upon by the division.An action under this section is a special proceeding and may be appealed by either party pursuant to the Rules of Appellate Procedure and, to the extent not in conflict with those rules, Chapter 2505. of the Revised Code. Last updated November 3, 2021 at 5:46 PM
Ohio Rev Code § 1321.19 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.19 | Cancellation or Alteration of Small Loan License Does Not Impact Existing Contracts.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|Sections 1321.01 to 1321.19, inclusive, of the Revised Code may be modified, amended, or repealed so as to effect a cancellation or alteration of any license or right of a licensee, provided that such cancellation or alteration shall not impair or affect the obligation of any pre-existing contract between any licensee and any borrower, nor the right of the licensee to collect principal, interest, and charges as set forth in said obligation. Last updated November 3, 2021 at 5:46 PM
Ohio Rev Code § 1321.21 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.21 | Consumer Finance Fund.

Effective: September 30, 2021|Latest Legislation:  House Bill 110 - 134th General Assembly|All fees, charges, penalties, and forfeitures collected under Chapters 1321., 1322., 4712., 4727., and 4728., sections 1315.21 to 1315.30, and sections 1349.25 to 1349.37 of the Revised Code shall be paid to the superintendent of financial institutions and shall be deposited by the superintendent into the state treasury to the credit of the consumer finance fund, which is hereby created. The fund may be expended or obligated by the superintendent for the defrayment of the costs of administration of Chapters 1321., 1322., 4712., 4727., and 4728., sections 1315.21 to 1315.30, and sections 1349.25 to 1349.37 of the Revised Code by the division of financial institutions. All actual and necessary expenses incurred by the superintendent, including any services rendered by the department of commerce for the division's administration of Chapters 1321., 1322., 4712., 4727., and 4728., sections 1315.21 to 1315.30, and sections 1349.25 to 1349.37 of the Revised Code, shall be paid from the fund. The fund shall be assessed a proportionate share of the administrative costs of the department and the division. The proportionate share of the administrative costs of the division of financial institutions shall be determined in accordance with procedures prescribed by the superintendent. Such assessment shall be paid from the consumer finance fund to the division of administration fund or the financial institutions fund.  Periodically, in accordance with a schedule the director establishes by rule, but at least once every three months, the director of budget and management shall transfer five per cent of all charges, penalties, and forfeitures received into the consumer finance fund to the financial literacy education fund created under section 121.085 of the Revised Code. Last updated November 4, 2021 at 3:43 PM
Ohio Rev Code § 1321.31 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.31 | Assignment of Personal Earnings - Requirements, Limitations, Priority.

Effective: October 1, 1953|Latest Legislation:  House Bill 1 - 100th General Assembly|No assignment of, or order for, wages or salary is valid unless made in writing by the person by whom the said wages or salary are earned and no assignment of, or order for, wages or salary made by a married person is valid unless the written consent of the husband or wife of the person making such assignment or order is attached to such assignment or order. No assignment of, or order for, wages or salary of a minor is valid unless the written consent of a parent or the guardian of such minor is attached to such order or assignment. No assignment of, or order for, wages or salary is valid for more than twenty-five per cent of the earnings, wages, or salary of any married person. No such assignment is valid for more than fifty per cent of the earnings, wages, or salary of any unmarried person.Assignments of wages have priority as to each other from the time they are filed with the employer of the assignor, and the balance due any married person after twenty-five per cent has been so assigned, or due any unmarried person after fifty per cent has been so assigned is not subject to further assignment. Last updated November 4, 2021 at 3:45 PM
Ohio Rev Code § 1321.32 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.32 | Assignment of Wages Invalid - Exception.

Effective: October 16, 1959|Latest Legislation:  House Bill 978 - 103rd General Assembly|Notwithstanding section 1321.31 of the Revised Code, no assignment of, or order for wages or salary is valid unless the wages assigned or ordered are to be paid for the support of the employee's spouse or minor child in complying with an order of a court of record for the support of the employee's spouse or minor child. This section does not affect or invalidate any contract or agreement between employers and their employees, or as between employers, employees, and any labor union as to any checkoff on the wages of such employees as may be agreed upon. This section and section 4113.16 of the Revised Code shall not affect or invalidate any deduction from the wages or salary made in accordance with a payroll deduction plan agreed upon between the employer and employee provided that the same be revocable at any time by the employee upon notice to the employer up to the time of payment thereof. Last updated February 15, 2022 at 2:05 PM
Ohio Rev Code § 1321.33 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.33 | Wage Assignments for Support of Spouse or Children Not Subject to Small Loan Law or r.c. 1321.31.

Effective: January 1, 1979|Latest Legislation:  Senate Bill 87 - 112th General Assembly|The limitations and regulations of sections 1321.01 to 1321.19 and 1321.31 of the Revised Code do not apply to assignments of, or orders for, wages for the support of a spouse or children when such assignments or orders are made to comply with an order of a court of record. The employee may assign whatever portion of his earnings that may be required to comply with the court order for support. Last updated November 4, 2021 at 3:51 PM
Ohio Rev Code § 1321.35 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.35 | Short-Term Loan Law Definitions.

Effective: October 29, 2018|Latest Legislation:  House Bill 123 - 132nd General Assembly|As used in sections 1321.35 to 1321.48 of the Revised Code:(A) "Short-term loan" means a loan made pursuant to sections 1321.35 to 1321.48 of the Revised Code.(B) "Superintendent of financial institutions" includes the deputy superintendent for consumer finance as provided in section 1181.21 of the Revised Code.(C) "Interest" means all charges payable directly or indirectly by a borrower to a licensee as a condition to a loan, including fees, service charges, renewal charges, and any ancillary product sold in connection with a short-term loan, but does not include the monthly maintenance fees, the loan origination charge, the check collection charge, or the check cashing fee authorized under section 1321.40 of the Revised Code.(D) "Annual percentage rate" has the same meaning as in the "Truth in Lending Act," 82 Stat. 149 (1980), 15 U.S.C. 1606, as implemented by regulations of the consumer financial protection bureau. All fees and charges, including interest and the loan origination charge and monthly maintenance fees authorized under section 1321.40 of the Revised Code, shall be included in the computation of the annual percentage rate.(E) "Licensee" means a person licensed to make short-term loans under sections 1321.35 to 1321.48 of the Revised Code. Last updated November 4, 2021 at 3:56 PM
Ohio Rev Code § 1321.36 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.36 | Short-Term Loan License Required; Telephone and Mail Loans; Exceptions; Applicability of Short-Term Loan Law.

Effective: October 29, 2018|Latest Legislation:  House Bill 123 - 132nd General Assembly|(A) No person shall engage in the business of making short-term loans to a borrower in Ohio, or, in whole or in part, make, offer, or broker a loan, or assist a borrower in Ohio to obtain such a loan, without first having obtained a license from the superintendent of financial institutions under sections 1321.35 to 1321.48 of the Revised Code.(B) No person shall make, offer, or broker a loan, or assist a borrower to obtain a loan, via the telephone or mail.(C) Any loan made in violation of this section is void, and the lender has no right to collect, receive, or retain any principal, interest, fees, or other charges in connection with the loan.(D) Sections 1321.35 to 1321.48 of the Revised Code do not apply to any entity chartered and lawfully doing business under the authority of any law of this state, another state, or the United States as a bank, savings bank, trust company, savings and loan association, or credit union, or a subsidiary of any such entity, which subsidiary is regulated by a federal banking agency and is owned and controlled by a depository institution. Last updated November 4, 2021 at 3:58 PM
Ohio Rev Code § 1321.38 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.38 | Contents of Short-Term Loan License; Additional Licenses; Change of Place of Business.

Effective: September 1, 2008|Latest Legislation:  House Bill 545 - 127th General Assembly|(A) A license issued by the superintendent of financial institutions pursuant to sections 1321.35 to 1321.48 of the Revised Code shall state the address at which the business of making loans is to be conducted and shall state the full name of the business. Each license issued shall be conspicuously posted in the place of business and is not transferable or assignable. (B)(1) Not more than one place of business shall be maintained under the same license issued under sections 1321.35 to 1321.48 of the Revised Code, but the superintendent may issue additional licenses to the same applicant upon compliance with those sections.(2) No change in the place of business of a licensee to a location outside the original municipal corporation shall be permitted under the same license. When a licensee wishes to change its place of business within the same municipal corporation, written notice thereof shall be given in advance to the superintendent who shall provide without cost a license pursuant to sections 1321.35 to 1321.48 of the Revised Code for the new address. Last updated November 4, 2021 at 4:05 PM
Ohio Rev Code § 1321.391 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.391 | Short-Term Loans of Longer Than 90 Days.

Effective: October 29, 2018|Latest Legislation:  House Bill 123 - 132nd General Assembly|If the duration of a short-term loan is ninety-one days or greater, the licensee shall determine the recommended length of a loan based on the borrower's verified monthly income as described in division (B)(2) of section 1321.39 of the Revised Code. The licensee shall provide the borrower with a written copy of its recommendation, which is not binding on the borrower. Last updated November 4, 2021 at 4:06 PM
Ohio Rev Code § 1321.40 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.40 | Maximum Interest Rate; Permissible Short-Term Loan Fees.

Effective: October 29, 2018|Latest Legislation:  House Bill 123 - 132nd General Assembly|A licensee may charge, collect, and receive only the following fees and charges in connection with a short-term loan:(A) Interest not exceeding a rate of twenty-eight per cent per annum;(B)(1) Except as otherwise provided in division (B)(2) of this section, a monthly maintenance fee that does not exceed the lesser of ten per cent of the originally contracted loan amount or thirty dollars, provided the fee is not added to the loan balance on which interest is charged;(2) A licensee shall not charge, collect, or receive a monthly maintenance fee if the borrower is a person on active duty in the armed forces of the United States or a dependent of that person.(C) If the originally contracted loan amount is five hundred dollars or more, a loan origination charge in the amount of two per cent of the originally contracted loan amount, provided the loan origination charge is not added to the loan balance on which interest is charged;(D) One check collection charge per loan not exceeding an amount equal to twenty dollars plus any amount passed on from other financial institutions for each check, negotiable order of withdrawal, share draft, or other negotiable instrument returned or dishonored for any reason, provided that the terms and conditions upon which check collection charges will be charged to the borrower are set forth in the written loan contract described in division (C) of section 1321.39 of the Revised Code;(E) If a licensee provides the proceeds of a loan in the form of a check, a fee to cash that check in an amount not exceeding ten dollars;(F) Damages, costs, and disbursements to which the licensee may become entitled to by law in connection with any civil action to collect a loan after default, except that the total amount of damages and costs shall not exceed the originally contracted loan amount. Last updated November 4, 2021 at 4:06 PM
Ohio Rev Code § 1321.401 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.401 | Refinancing Short-Term Loans.

Effective: October 29, 2018|Latest Legislation:  House Bill 123 - 132nd General Assembly|A licensee may refinance a short-term loan provided that all of the following apply to the refinanced loan:(A) The loan is a short-term loan.(B) Interest on the loan does not exceed a rate of twenty-eight per cent per annum.(C) The licensee does not charge, collect, or receive the monthly maintenance fee described in division (B) of section 1321.40 of the Revised Code. Last updated November 4, 2021 at 4:08 PM
Ohio Rev Code § 1321.402 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.402 | Prepayment or Refinancing Prior to Short-Term Loan Maturity Date.

Effective: October 29, 2018|Latest Legislation:  House Bill 123 - 132nd General Assembly|If a short-term loan is prepaid in full or refinanced prior to the loan's maturity date, the licensee shall refund to the borrower a prorated portion of the interest, monthly maintenance fees, and all other charges based on a ratio of the number of days the loan was outstanding and the number of days for which the loan was originally contracted. For purposes of this section, the monthly maintenance fee is not considered to be fully earned at the beginning of a month. Last updated November 4, 2021 at 4:08 PM
Ohio Rev Code § 1321.403 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.403 | Short-Term Loan Fee Cap; Exceptions.

Effective: October 29, 2018|Latest Legislation:  House Bill 123 - 132nd General Assembly|Notwithstanding any provision of sections 1321.35 to 1321.48 of the Revised Code to the contrary, a licensee shall not charge, collect, or receive in connection with a short-term loan a total amount of fees and charges that exceeds sixty per cent of the originally contracted loan amount. For purposes of this section, all charges made in connection with the loan shall be included when calculating the total loan charges except for all of the following: (A) The check collection charge authorized under section 1321.40 of the Revised Code; (B) The check cashing fee authorized under section 1321.40 of the Revised Code; (C) The interest charges on a loan that is refinanced in accordance with section 1321.401 of the Revised Code. Last updated November 4, 2021 at 4:09 PM
Ohio Rev Code § 1321.411 (2021)
2021 Ohio Revised Code|Title 13 | Commercial Transactions|Chapter 1321 | Various Loans|Section 1321.411 | Short-Term Loan Collection Limitations.

Effective: October 29, 2018|Latest Legislation:  House Bill 123 - 132nd General Assembly|A licensee shall not attempt to collect from a borrower's account after two consecutive attempts have failed, unless the licensee obtains new written authorization from the borrower to electronically transfer or withdraw funds from the borrower's account. Last updated November 5, 2021 at 5:31 PM