Attorneys Helping Consumers In Ohio

OHIO CONSUMER ATTORNEY | OHIO CONSUMER LAWS | PROTECTING CONSUMERS

The lawyers at Kohl and Cook Law Firm in Columbus, Ohio help consumers across Ohio stay protected when involved in deceptive and misleading transactions. Consumers are provided protection under specific Ohio laws when purchasing goods or services for personal, family, or household use.

Ohio Consumer Sales Practices Act 

The Ohio Consumer Sales Practices Act (the “CSPA”) protects consumers from unfair, deceptive or unconscionable acts or practices in connection with a consumer transaction.  Among other things, the CSPA prohibits sellers from misrepresenting the nature of their business, products or services, the price of their goods, or the terms of a transaction.  The CSPA also prohibits sellers from taking advantage of a consumer’s illiteracy, mental or physical disability, or inability to understand the terms of a sale, and requires sellers to honor guarantees, warranties, and rain checks.  (return to top)

 

Ohio Credit Card Recording Act

The Ohio Credit Card Recording Act prohibits sellers from printing credit card expiration dates or more than five digits of consumers’ credit card number on receipts.  A violation of the Ohio Credit Card Recording Act is considered a violation of the CSPA.  (return to top)

 

Ohio Credit Services Organization Act

The Ohio Credit Services Organization Act mandates that organizations that offer credit repair, debt counseling, or related services provide consumers with a written statement of rights and a clear and accurate description of the services to be provided and the costs for such services.  The Act also provides consumers with a three-day right to cancel contracts with credit service organizations, and prohibits credit service organizations from engaging in certain unfair or deceptive acts or practices.  (return to top)

 

Ohio Debt Adjusters Act 

The Ohio Debt Adjusters Act establishes rules and regulations for nonprofit organizations and other businesses that offer credit repair services, debt counseling, budget management, and related services to consumers facing financial difficulties.  The Act requires that payments made by consumers to such organizations be disbursed to the appropriate creditors within 30 days of receipt and limits the amount of fees such entities can charge for a consultation or for their services.  Specifically, the Act prohibits debt adjusters from accepting more than $75 for an initial consultation, accepting more than $100 annually for consultation fees or contributions, and from charging more than 8.5% of the amount paid by the consumer each month or $30, whichever is greater.  (return to top)

 

Ohio Defective Assistive Devices Act

The Ohio Defective Assistive Devices Act requires sellers to provide at least a one-year warranty covering the full cost of repair or replacement for products designed for disabled consumers.  This Act applies to hearing aids, wheelchairs, motorized scooters, talking software, and similar products. (return to top)

 

Ohio Gift Card Act

The Ohio Gift Card Act makes it illegal for most gift cards to expire in less than two years from the issue date and prevents the issuer from imposing service charges or fees during the initial two-year period.  The Act also states that gift cards with no expiration dates are valid until redeemed or replaced.  (return to top)

 

Ohio Homebuyer’s Protection Act (Ohio’s Predatory Lending Law) 

The Ohio Homebuyer’s Protection Act protects consumers from abusive lending practices committed by non-bank lenders, such as loan officers and mortgage brokers. (return to top)

 

Ohio Home Solicitation Sales Act 

Ohio’s Home Solicitation Sales Act provides consumers three days to cancel any transaction of $25 or more that occurs at a location outside the seller’s regular place of business, such as the consumer’s home, a fair booth, or a hotel meeting room.  It also requires sellers to provide consumers written notice of their right to cancel such agreements, prohibits sellers from beginning any service or selling any loan agreement during the three-day “cooling off” period, and, if a consumer does properly cancel the agreement within the three-day period, requires sellers to provide the consumer a refund within 10 days of cancellation. (return to top)

 

Ohio Lemon Law (Nonconforming New Motor Vehicle Law)

Ohio’s Lemon Law requires auto manufacturers to repair or replace “lemon” vehicles within a reasonable period of time.  The Law defines a “lemon” as a new motor vehicle that has a problem or problems, covered by the warranty, that substantially impair the use, value or safety of the vehicle.  The Law, however, only covers problems that occur within the first year of purchase or the first 18,000 miles, whichever occurs first. (return to top)

 

Ohio Short-Term Lender Law (Payday Lending Law) 

Ohio’s Short-Term Lender Law strictly limits the total amount of interest that “payday lenders” may charge consumers in connection with a short-term loan.  Many short-term lenders disguise the total amount of interest related to a loan, and as such, a detailed review of all aspects of a consumer’s loan is usually required. (return to top)

The attorneys at Kohl & Cook Law Firm also have experience  working with federal laws to protect the rights of consumers in Ohio. To learn more about consumer federal laws pleases click here. You can also get in contact with a consumer attorney at Kohl & Cook by calling (614) 763-5111 or by sending a message online.