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Consumer Finance
Consumer Finance

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

  • Mortgage Services,
  • Consumer Lending (non-mortgage), and
  • other financial services.

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

Review a list of Convictions that Prohibit Licensure

Regulated  Entities

Consumer Lending

  • Consumer Installment Loan Act Lenders
  • General Loan Law Lenders
  • Pawnbrokers
  • Short-Term Lenders
  • Small Loan Lenders

Financial Services

  • Check Cashers
  • Credit Service Organizations
  • Insurance Premium Finance Lenders
  • Precious Metals Dealers

Mortgage Lending and Services

  • Residential Mortgage Lending, Brokering and Servicing
  • Mortgage Loan Originators

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.