Ohio Revised Code
Title 13 | Commercial Transactions
Chapter 1321 | Various Loans

Section 1321.01 | Small Loan Law Definitions; Division of Financial Institutions Responsibility. - Effective: September 26, 1996 Latest Legislation: Senate Bill 293 -...

Section 1321.05 | Contents of Small Loan License; Annual Fee and Assessment; Assets. - Effective: March 22, 2001 Latest Legislation: Senate Bill 180 -...

Section 1321.06 | Additional Small Loan Licenses; Change of Place of Business. - Effective: September 26, 1996 Latest Legislation: Senate Bill 293 -...

Section 1321.07 | Examination of Small Loan Licensee's Records; Division Powers. - Effective: July 1, 2009 Latest Legislation: House Bill 525 -...

Section 1321.08 | Suspension or Revocation of Small Loan License. - Effective: September 26, 1996 Latest Legislation: Senate Bill 293 -...

Section 1321.09 | Small Loan Licensee Recordkeeping; Annual Report. - Effective: June 18, 2002 Latest Legislation: Senate Bill 138 -...

Section 1321.10 | Small Loan Law Rules and Orders; Procedure in Case of Violation; Certified Statements. - Effective: September 26, 1996 Latest Legislation: Senate Bill 293 -...

Section 1321.11 | Prohibited Statements and Representations. - Effective: September 26, 1996 Latest Legislation: Senate Bill 293 -...

Section 1321.12 | Small Loan Licensee - Prohibited Acts. - Effective: September 26, 1996 Latest Legislation: Senate Bill 293 -...

Section 1321.13 | Small Loan Maximum Interest Rate; Computation of Interest; Precomputed Loans; Permissible Charges; Insurance. - Effective: October 29, 1993 Latest Legislation: Senate Bill 140 -...

Section 1321.131 | Small Loan Alternative Interest Rate. - Effective: February 11, 1982 Latest Legislation: House Bill 526 -...

Section 1321.14 | Duties of Small Loan Licensee; Prohibited Acts. - Effective: October 4, 1996 Latest Legislation: Senate Bill 293, House...

Section 1321.141 | Small Loan Requirements and Restrictions. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

Section 1321.15 | Loans Designed to Circumvent Limitations on Interest Rates, Charges, or Loan Amount. - Effective: September 1, 2008 Latest Legislation: House Bill 545 -...

Section 1321.16 | Open-End Loans by Small Loan Licensee. - Effective: July 1, 2001 Latest Legislation: Senate Bill 74 -...

Section 1321.17 | Out-of-State Small Loans. - Effective: July 14, 1981 Latest Legislation: House Bill 134 -...

Section 1321.18 | Civil Action to Reverse, Rescind, or Modify Division Order. - Effective: September 26, 1996 Latest Legislation: Senate Bill 293 -...

Section 1321.19 | Cancellation or Alteration of Small Loan License Does Not Impact Existing Contracts. - Effective: October 1, 1953 Latest Legislation: House Bill 1 -...

Section 1321.20 | Fees - Licenses, Registration Under This Chapter and for Pawnbrokers and Precious Metals Dealers. - Effective: October 16, 2009 Latest Legislation: House Bill 1 -...

Section 1321.21 | Consumer Finance Fund. - Effective: September 30, 2021 Latest Legislation: House Bill 110 -...

Section 1321.31 | Assignment of Personal Earnings - Requirements, Limitations, Priority. - Effective: October 1, 1953 Latest Legislation: House Bill 1 -...

Section 1321.32 | Assignment of Wages Invalid - Exception. - Effective: October 16, 1959 Latest Legislation: House Bill 978 -...

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 -...

Section 1321.35 | Short-Term Loan Law Definitions. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

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 -...

Section 1321.37 | Application for Short-Term Loan License; Fee; Approval Procedure; Assets; Bond. - Effective: October 9, 2021 Latest Legislation: House Bill 263 -...

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 -...

Section 1321.39 | Short-Term Loan Requirements and Restrictions. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

Section 1321.391 | Short-Term Loans of Longer Than 90 Days. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

Section 1321.40 | Maximum Interest Rate; Permissible Short-Term Loan Fees. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

Section 1321.401 | Refinancing Short-Term Loans. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

Section 1321.402 | Prepayment or Refinancing Prior to Short-Term Loan Maturity Date. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

Section 1321.403 | Short-Term Loan Fee Cap; Exceptions. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

Section 1321.41 | Short-Term Loan Licensee Prohibitions. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

Section 1321.411 | Short-Term Loan Collection Limitations. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

Section 1321.42 | Enforcement Actions Relating to Short-Term Loan License. - Effective: July 1, 2009 Latest Legislation: House Bill 525 -...

Section 1321.421 | Examination of Short-Term Loan Licensee's Records. - Effective: September 1, 2008 Latest Legislation: House Bill 545 -...

Section 1321.422 | Short-Term Loan Licensee Recordkeeping; Annual Reports. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

Section 1321.43 | Short-Term Loan Law Rules and Orders. - Effective: September 1, 2008 Latest Legislation: House Bill 545 -...

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 -...

Section 1321.45 | Prohibited Short-Term Loan Debt Collection Practices. - Effective: September 1, 2008 Latest Legislation: House Bill 545 -...

Section 1321.46 | Verification of Borrower's Income Before Making Short-Term Loan. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

Section 1321.47 | Duties of Short-Term Loan Licensees; Civil Action by Borrower. - Effective: September 1, 2008 Latest Legislation: House Bill 545 -...

Section 1321.48 | Reports by Superintendent; Confidentiality of Information. - Effective: September 1, 2008 Latest Legislation: House Bill 545 -...

Section 1321.51 | General Loan Law Definitions. - Effective: March 23, 2018 Latest Legislation: House Bill 199 -...

Section 1321.52 | Registrants May Make General Loans; Choice of Law; Security; Superintendent Authority. - Effective: September 1, 2021 Latest Legislation: House Bill 133 -...

Section 1321.53 | General Loan Certificate of Registration Application, Approval, Fee; Assets; Additional Certificates; Change in Place of Business; Exceptions to General Loan Law. - Effective: October 9, 2021 Latest Legislation: House Bill 263 -...

Section 1321.54 | General Loan Rules; Suspension, Revocation, or Refusal to Renew Registration; Fines; Alleged Violations. - Effective: March 23, 2018 Latest Legislation: House Bill 199 -...

Section 1321.541 | Actions by Attorney General, County Prosecutor to Enforce General Loan Law. - Effective: January 1, 2007 Latest Legislation: Senate Bill 185 -...

Section 1321.55 | General Loan Registrant Recordkeeping; Annual Report; Confidentiality. - Effective: March 23, 2018 Latest Legislation: House Bill 199 -...

Section 1321.551 | Evading General Loan Law Requirements. - Effective: March 23, 2018 Latest Legislation: House Bill 199 -...

Section 1321.56 | Forfeiting General Loan Interest for Interest Rate Violation. - Effective: June 13, 1996 Latest Legislation: Senate Bill 189 -...

Section 1321.57 | General Loan Maximum Interest Rate; Computation of Interest; Precomputed Loans; Permissible Charges; Insurance. - Effective: March 23, 2018 Latest Legislation: House Bill 199 -...

Section 1321.571 | General Loan Alternative Interest Rate. - Effective: February 11, 1982 Latest Legislation: House Bill 526 -...

Section 1321.58 | Open-End Loans by General Loan Registrant. - Effective: March 23, 2018 Latest Legislation: House Bill 199 -...

Section 1321.59 | General Loan Law Registrant - Prohibited Acts. - Effective: March 23, 2018 Latest Legislation: House Bill 199 -...

Section 1321.591 | Compliance With Fair Debt Collection Practices Act. - Effective: October 16, 2009 Latest Legislation: House Bill 1 -...

Section 1321.592 | Prohibited General Loans by Registrants. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

Section 1321.60 | Advertising for General Loans. - Effective: March 23, 2018 Latest Legislation: House Bill 199 -...

Section 1321.62 | Consumer Installment Loan Act Definitions. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.63 | Activities for Which Consumer Installment Loan License Is Required. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.631 | Applicability of Consumer Installment Loan Act. - Effective: March 23, 2018 Latest Legislation: House Bill 199 -...

Section 1321.632 | Consumer Installment Loan Licensee Authority; Prohibited Activities. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.64 | Application for Consumer Installment Loan License; Approval Procedure. - Effective: October 9, 2021 Latest Legislation: House Bill 263 -...

Section 1321.641 | Renewal of Consumer Installment Loan License. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.642 | Effect of Change in Ownership of a Consumer Installment Loan Licensee; Notice. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.643 | Place of Business; Additional Consumer Installment Loan Licenses; Change of Place of Business or Name. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.644 | Persons Selling Tangible Goods or Services. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.65 | Asset Requirements of Consumer Installment Loan Licensee. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.651 | Advertising for Consumer Installment Loans. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.66 | Consumer Installment Loan Licensee Recordkeeping; Examination of Records. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.661 | Consumer Installment Loan Licensee Call Reports. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.662 | Confidential Information. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.663 | Consumer Installment Loan Act Investigations - Prohibited Acts. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.664 | Compliance With Federal Laws and Regulations. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.665 | Preservation of Consumer Installment Loan Books and Records Before Ceasing Business. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.666 | Authority of Superintendent to Enforce Consumer Installment Loan Act. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.667 | Reimbursement of Licensee for Costs Associated With Providing Consumer Installment Loan Records. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.67 | Closing of Consumer Installment Loans; Duties of Licensee. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.671 | Repayment of Consumer Installment Loan. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.672 | Insurance Obtained on Behalf of Consumer Installment Loan Borrower. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.673 | Evading Consumer Installment Loan Requirements. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.674 | Forfeiting Consumer Installment Loan Interest for Interest Rate Violation. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.68 | Consumer Installment Loan Maximum Interest Rate; Computation of Interest; Precomputed Loans; Permissible Charges; Insurance. - Effective: September 1, 2021 Latest Legislation: House Bill 133 -...

Section 1321.681 | Open-End Consumer Installment Loans. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.69 | Consumer Installment Loan Licensee Prohibitions. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.691 | Employee Remote Work. - Effective: September 13, 2022 Latest Legislation: Senate Bill 264 -...

Section 1321.70 | Enforcement Actions for Consumer Installment Loan Act Violations. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.701 | Action by Attorney General, County Prosecutor to Enforce the Consumer Installment Loan Act. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.702 | Rules Relating to the Consumer Installment Loan Act. - Effective: September 12, 2017 Latest Legislation: Senate Bill 24 -...

Section 1321.71 | Insurance Premium Finance Company Law Definitions. - Effective: September 26, 1996 Latest Legislation: Senate Bill 293 -...

Section 1321.72 | Application of Insurance Premium Finance Company Law. - Effective: March 23, 2018 Latest Legislation: House Bill 199 -...

Section 1321.73 | Insurance Premium Finance Company License Requirement; Annual Fee; Assets. - Effective: October 17, 2019 Latest Legislation: House Bill 166 -...

Section 1321.74 | Insurance Premium Finance Company License Application, Fee, Approval; Additional Licenses; Change of Place of Business. - Effective: October 9, 2021 Latest Legislation: House Bill 263 -...

Section 1321.75 | Enforcement Actions Regarding Insurance Premium Finance Company License. - Effective: September 26, 1996 Latest Legislation: Senate Bill 293 -...

Section 1321.76 | Insurance Premium Finance Company Licensee Recordkeeping; Division Powers. - Effective: June 18, 2002 Latest Legislation: Senate Bill 138 -...

Section 1321.77 | Insurance Premium Finance Company Rules. - Effective: September 26, 1996 Latest Legislation: Senate Bill 293 -...

Section 1321.78 | Premium Finance Agreement; Notice to Insurer. - Effective: September 11, 2008 Latest Legislation: House Bill 404 -...

Section 1321.79 | Insurance Premium Finance Company Finance Charge Limits. - Effective: September 29, 1994 Latest Legislation: Senate Bill 259 -...

Section 1321.791 | Insurance Premium Finance Company Alternative Finance Charges. - Effective: February 11, 1982 Latest Legislation: House Bill 526 -...

Section 1321.80 | Delinquency, Cancellation, and Check Collection Charges. - Effective: September 29, 1994 Latest Legislation: Senate Bill 259 -...

Section 1321.81 | Cancellation of Insurance Contract Listed in Premium Finance Agreement. - Effective: September 29, 1994 Latest Legislation: Senate Bill 259 -...

Section 1321.82 | Return to Insurance Premium Finance Company of Gross Unearned Premium Upon Cancellation of Insurance Contract. - Effective: September 29, 1994 Latest Legislation: Senate Bill 259 -...

Section 1321.83 | Secured Transactions Filing Provisions Not Applicable to Insurance Premium Finance Agreements. - Effective: July 1, 2001 Latest Legislation: Senate Bill 74 -...

Section 1321.84 | Effect of Child Support Default on License, Certificate, or Permit. - Effective: March 22, 2001 Latest Legislation: Senate Bill 180 -...

Section 1321.99 | Penalty. - Effective: October 29, 2018 Latest Legislation: House Bill 123 -...

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Ohio Revised Code Title 13 | Commercial Transactions Chapter 1321 | Various Loans

Ohio Revised Code
Title 13 | Commercial Transactions
Chapter 1321 | Various Loans