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The cornerstone of Ohio consumer law is the Consumer Sales Practices Act (CSPA), which protects individual consumers from unfair, deceptive, and unconscionable sales practices in connection with consumer transactions.
The Truth in Lending Act (TILA) protects you against inaccurate and unfair credit billing and credit card practices. It requires lenders to provide you with loan cost information so that you can comparison shop for certain types of loans.
Homebuyer's Protection Act (Predatory Lending Law) (2007) Protects consumers from abusive lending practices committed on or after January 1, 2007 by non-bank lenders, loan officers and mortgage brokers.
As used in sections 1322.01 to 1322.12 of the Revised Code: (A) "Buyer" means an individual who is solicited to purchase or who purchases the services of a mortgage broker for purposes of obtaining a residential mortgage loan.
The Act prohibits these businesses from committing unfair, deceptive or unconscionable acts in connection with a residential mortgage loan, including: Entering into a mortgage knowing you had no reasonable probability of payment of the mortgage.
(1) The principal amount of a precomputed loan or interest-bearing loan; (2) The original credit line of an open-end loan. (L) "Prepayment penalty" means a charge for prepayment of a loan at any time prior to five years from the date the loan contract is executed.
(A) No supplier shall commit an unfair or deceptive act or practice in connection with a consumer transaction. Such an unfair or deceptive act or practice by a supplier violates this section whether it occurs before, during, or after the transaction.
No person shall engage in the business of lending money, credit, or choses in action in amounts of five thousand dollars or less, or exact, contract for, or receive, directly or indirectly, on or in connection with any such loan, any interest and charges that in the aggregate are greater than the interest and charges ...