Consumer Finance

The Consumer Finance Section is responsible for regulating non-depository consumer lenders and related consumer finance businesses.

Consumer Finance businesses include but are not limited to

Staff members perform regulatory duties consistent with the Department of Commerce’s mission: “Promoting prosperity by protecting what matters most.”

Look up the status of a Consumer Finance Licensee

List of Ohio Laws and Rules

Enforcement Actions

Enforcement page of Final Actions

Proposed Rules

Proposed Rules for Consumer Finance

Regulated Entities

Note: Ohio law regarding Consumer Lending and Financial Services, primarily regulated through Ohio Revised Code Chapter 1321, provides for several overlapping authorities under which non-depository companies (meaning companies that are not banks or credit unions) may make consumer loans. Provided that the company complies with the relevant restrictions, including licensure, companies may obtain more than one of these licenses or registrations and make loans under more than one statute.