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Oh. Rev. Code Sec. 1349.17
The Credit Card Reporting Act Prohibits sellers from giving out consumers’ social security numbers, credit card account numbers, expiration dates, and other personal financial information.
Oh. Rev. Code Sec. 1349.18
The Credit Card Truncation Act prohibits sellers from printing credit card expiration dates or more than five digits of consumers’ credit card numbers on receipts.
Oh. Rev. Code Sec. 1349.19
The Security Breach Notification Act requires sellers to notify consumers if a security breach puts their personal information at risk for identity theft or other fraud.
Oh. Rev. Code Sec.1349.52
The Credit Freeze Act requires credit reporting agencies to allow consumers to place a “freeze” on each of their credit reports to prevent opening new credit accounts in the consumers' names.
Oh. Rev. Code Sec. 2305.06
The statute of limitations for bringing an action on a written contract, which a credit card agreement is, is eight years.The time limit is counted from when a debt became overdue or when a borrower last made a payment, whichever happened more recently.
Oh. Rev. Code Chapter 4710
The Debt Adjusters Act sets rules for organizations that offer credit repair services, debt counseling, budget management and related services to consumers facing financial difficulties. Requires debt adjusters to file annual financial statement with the Attorney General's Office. Requires debt adjusters to submit funds to creditors within 30 days of receipt, maintain separate trust accounts for these funds, and maintain $100,000 insurance coverage. Prohibits debt adjusters from accepting more than $75 for initial consultation, accepting more than $100 annually for consultation fees or contributions or charging more than 8.5 percent of amount paid by debtor each month or $30, whichever is greater.
Oh. Rev. Code Chapter 4712
The Credit Services Organization Act mandates registration and bonding for organizations that offer credit repair or debt counseling. Gives consumers a three-day right to cancel contracts with credit service organizations.