Ohio Rev. Code » Chapter 1345 - Ohio Revised Code | Ohio Laws
Ohio Revised Code

Ohio Rev. Code § 1345.01 (2026)

Consumer sales practices definitions

✓ current as of May 2026
Find cases: SyfertCases citing this section ORCcodes.ohio.gov (official) Justiaon Justia CornellLII Search CasesGoogle Scholar
Effective:
October 3, 2023
Latest Legislation:
House Bill 33 - 135th General Assembly
PDF:
Download Authenticated PDF
 

As used in sections 1345.01 to 1345.13 of the Revised Code:

(A) "Consumer transaction" means a sale, lease, assignment, award by chance, or other transfer of an item of goods, a service, a franchise, or an intangible, to an individual for purposes that are primarily personal, family, or household, or solicitation to supply any of these things. "Consumer transaction" does not include transactions between persons, defined in sections 4905.03 and 5725.01 of the Revised Code, and their customers, except for transactions involving a loan made pursuant to sections 1321.35 to 1321.48 of the Revised Code and transactions in connection with residential mortgages between loan officers, mortgage brokers, or nonbank mortgage lenders and their customers; transactions involving a home construction service contract as defined in section 4722.01 of the Revised Code; transactions between certified public accountants or public accountants and their clients; transactions between attorneys, physicians, or dentists and their clients or patients; and transactions between veterinarians and their patients that pertain to medical treatment but not ancillary services.

(B) "Person" includes an individual, corporation, government, governmental subdivision or agency, business trust, estate, trust, partnership, association, cooperative, or other legal entity.

(C) "Supplier" means a seller, lessor, assignor, franchisor, or other person engaged in the business of effecting or soliciting consumer transactions, whether or not the person deals directly with the consumer. If the consumer transaction is in connection with a residential mortgage, "supplier" does not include an assignee or purchaser of the loan for value, except as otherwise provided in section 1345.091 of the Revised Code. For purposes of this division, in a consumer transaction in connection with a residential mortgage, "seller" means a loan officer, mortgage broker, or nonbank mortgage lender.

(D) "Consumer" means a person who engages in a consumer transaction with a supplier.

(E) "Knowledge" means actual awareness, but such actual awareness may be inferred where objective manifestations indicate that the individual involved acted with such awareness.

(F) "Natural gas service" means the sale of natural gas, exclusive of any distribution or ancillary service.

(G) "Public telecommunications service" means the transmission by electromagnetic or other means, other than by a telephone company as defined in section 4927.01 of the Revised Code, of signs, signals, writings, images, sounds, messages, or data originating in this state regardless of actual call routing. "Public telecommunications service" excludes a system, including its construction, maintenance, or operation, for the provision of telecommunications service, or any portion of such service, by any entity for the sole and exclusive use of that entity, its parent, a subsidiary, or an affiliated entity, and not for resale, directly or indirectly; the provision of terminal equipment used to originate telecommunications service; broadcast transmission by radio, television, or satellite broadcast stations regulated by the federal government; or cable television service.

(H)(1) "Loan officer" means an individual who for compensation or gain, or in anticipation of compensation or gain, takes or offers to take a residential mortgage loan application; assists or offers to assist a buyer in obtaining or applying to obtain a residential mortgage loan by, among other things, advising on loan terms, including rates, fees, and other costs; offers or negotiates terms of a residential mortgage loan; or issues or offers to issue a commitment for a residential mortgage loan. "Loan officer" also includes a mortgage loan originator as defined in section 1322.01 of the Revised Code.

(2) "Loan officer" does not include an employee of a bank, savings bank, savings and loan association, credit union, or credit union service organization organized under the laws of this state, another state, or the United States; an employee of a subsidiary of such a bank, savings bank, savings and loan association, or credit union; or an employee of an affiliate that (a) controls, is controlled by, or is under common control with, such a bank, savings bank, savings and loan association, or credit union and (b) is subject to examination, supervision, and regulation, including with respect to the affiliate's compliance with applicable consumer protection requirements, by the board of governors of the federal reserve system, the comptroller of the currency, the federal deposit insurance corporation, or the national credit union administration.

(I) "Residential mortgage" or "mortgage" means an obligation to pay a sum of money evidenced by a note and secured by a lien upon real property located within this state containing two or fewer residential units or on which two or fewer residential units are to be constructed and includes such an obligation on a residential condominium or cooperative unit.

(J)(1) "Mortgage broker" means any of the following:

(a) A person that holds that person out as being able to assist a buyer in obtaining a mortgage and charges or receives from either the buyer or lender money or other valuable consideration readily convertible into money for providing this assistance;

(b) A person that solicits financial and mortgage information from the public, provides that information to a mortgage broker or a person that makes residential mortgage loans, and charges or receives from either of them money or other valuable consideration readily convertible into money for providing the information;

(c) A person engaged in table-funding or warehouse-lending mortgage loans that are residential mortgage loans.

(2) "Mortgage broker" does not include a bank, savings bank, savings and loan association, credit union, or credit union service organization organized under the laws of this state, another state, or the United States; a subsidiary of such a bank, savings bank, savings and loan association, or credit union; an affiliate that (a) controls, is controlled by, or is under common control with, such a bank, savings bank, savings and loan association, or credit union and (b) is subject to examination, supervision, and regulation, including with respect to the affiliate's compliance with applicable consumer protection requirements, by the board of governors of the federal reserve system, the comptroller of the currency, the federal deposit insurance corporation, or the national credit union administration; or an employee of any such entity.

(K) "Nonbank mortgage lender" means any person that engages in a consumer transaction in connection with a residential mortgage, except for a bank, savings bank, savings and loan association, credit union, or credit union service organization organized under the laws of this state, another state, or the United States; a subsidiary of such a bank, savings bank, savings and loan association, or credit union; or an affiliate that (1) controls, is controlled by, or is under common control with, such a bank, savings bank, savings and loan association, or credit union and (2) is subject to examination, supervision, and regulation, including with respect to the affiliate's compliance with applicable consumer protection requirements, by the board of governors of the federal reserve system, the comptroller of the currency, the federal deposit insurance corporation, or the national credit union administration.

(L) For purposes of divisions (H), (J), and (K) of this section:

(1) "Control" of another entity means ownership, control, or power to vote twenty-five per cent or more of the outstanding shares of any class of voting securities of the other entity, directly or indirectly or acting through one or more other persons.

(2) "Credit union service organization" means a CUSO as defined in 12 C.F.R. 702.2.

Last updated September 6, 2023 at 2:30 PM

Notes of Decisions
Cited in 472 cases (117 in the last 5 years), 1974–2026 · leading case: Dillon v. Farmers Ins. of Columbus, Inc. (Slip Opinion), 2015 Ohio 5407 (Ohio 2015).
Sort: Relevance Newest Treatment
Dillon v. Farmers Ins. of Columbus, Inc. (Slip Opinion), 2015 Ohio 5407 (Ohio 2015). · cites it 108× “02, which provides that an unfair or deceptive act or practice in connection with a consumer transaction violates the CSPA; on R.C. 1345.01, which excludes transactions between insurers and their customers from the definition of a consumer transaction; and on R.”
Anderson v. Barclay's Capital Real Est., Inc., 2013 Ohio 1933 (Ohio 2013). · cites it 47× “HomEq’s services clearly do not fit 15 SUPREME COURT OF OHIO within any of the exceptions articulated in R.C. 1345.01. We owe it to the public to curb the activities of unregulated entities when it is the consumers, and only the consumers, who are left homeless and in dire…”
Taylor v. First Resolution Invest. Corp. (Slip Opinion), 2016 Ohio 3444 (Ohio 2016). · cites it 19× “, and the Ohio Consumer Sales Practices Act (“OCSPA”), R.C. 1345.01 et seq., by the entities that purchased her debt and were involved in suing her to collect on it.”
Patton v. Diemer, 518 N.E.2d 941 (Ohio 1988). · cites it 6× “It provides in relevant part: “As used in sections 1345.01 to 1345.13 of the Revised Code: “(A) ‘Consumer transaction’ means a sale, lease, assignment, award by chance, or other transfer of an item of goods, a service, franchise, or an intangible, except those transactions…”
Harper v. Weltman, Weinberg & Reis Co., L.P.A., 2019 Ohio 3093 (Ohio Ct. App. 2019). · cites it 9× “1692 (“FDCPA”), and the Ohio Consumer Sales Practices Act (“OCSPA”), R.C. 1345.01 et seq. Specifically, appellants alleged that because Trustar previously assigned the cognovit judgment to a third party in 2016, defendants filed the Fraudulent Conveyance Complaint while having…”
Harvell v. Goodyear Tire & Rubber Co., 2006 OK 24 (Okla. 2007). · cites it 6× “" [3] According to Goodyear, the shop supplies include such things as floor covers, seat and steering wheel covers, rags, small amounts of brake cleaner or fluid, and lubricating grease and other solutions which are immeasurable as a per-vehicle cost.”
Foster v. D.B.S. Collection Agency, 463 F. Supp. 2d 783 (S.D. Ohio 2006). · cites it 7× “(“FDCPA”); (2) the Ohio Consumer Sales Practices Act, Ohio Revised Code § 1345.01 et seq. (“OCSPA”); (3) common law fraud; (4) the Ohio Pattern of Corrupt Activities Act, Ohio Revised Code § 2923.”
Gascho v. Global Fitness Holdings, LLC, 863 F. Supp. 2d 677 (S.D. Ohio 2012). · cites it 6× “The Complaint asserted claims under Ohio’s Consumer Sales Practices Act (“CSPA”), Ohio Rev.Code § 1345.01 et seq., Ohio’s Prepaid Entertainment Contract Act, Ohio Rev.”
Ogle v. BAC Home Loans Servicing LP, 924 F. Supp. 2d 902 (S.D. Ohio 2013). · cites it 6× “Violation of Ohio Consumer Sales Practices Act The Ogles allege that BAC and Carlisle violated the Ohio Consumer Sales Practices Act (“OCSPA”), Ohio Rev.Code § 1345.01, et seq., when it allegedly violated the FDCPA.”
Yo-Can, Inc. v. Yogurt Exch., Inc., 778 N.E.2d 80 (Ohio Ct. App. 2002). · cites it 5× “In their motions for summary judgment, appellees generally alleged that they were not liable as officers of the corporation, even though they personally engaged in the acts constituting the basis for the complaint and even though the definition of “supplier” includes not only a…”
Culbreath v. Golding Enter., L.L.C., 872 N.E.2d 284 (Ohio 2007). · cites it 9× “{¶ 30} Although we note that “solicitation” is included in the definition of a consumer transaction in R.C. 1345.01, there is nothing in R.C. 1345.”
Delawder v. Platinum Fin. Servs. Corp., 443 F. Supp. 2d 942 (S.D. Ohio 2005). · cites it 6× “, and the Ohio Consumer Sales Practices Act (“OCSPA”), Ohio Rev.Code § 1345.01, et seq. In sum, Delawder alleges that Defendants violated the FDCPA and the OCSPA by filing the Ironton complaint, and attaching a false affidavit to the complaint, all the while knowing that they…”
Show all 472 citing cases →
— Ohio Rev. Code § 1345.01(A) — 158 cases
Anderson v. Barclay's Capital Real Est., Inc., 2013 Ohio 1933 (Ohio 2013). “HomEq’s services clearly do not fit 15 SUPREME COURT OF OHIO within any of the exceptions articulated in R.C. 1345.01. We owe it to the public to curb the activities of unregulated entities when it is the consumers, and only the consumers, who are left homeless and in dire…”
Taylor v. First Resolution Invest. Corp. (Slip Opinion), 2016 Ohio 3444 (Ohio 2016). “, and the Ohio Consumer Sales Practices Act (“OCSPA”), R.C. 1345.01 et seq., by the entities that purchased her debt and were involved in suing her to collect on it.”
Dillon v. Farmers Ins. of Columbus, Inc. (Slip Opinion), 2015 Ohio 5407 (Ohio 2015). “02, which provides that an unfair or deceptive act or practice in connection with a consumer transaction violates the CSPA; on R.C. 1345.01, which excludes transactions between insurers and their customers from the definition of a consumer transaction; and on R.”
Patton v. Diemer, 518 N.E.2d 941 (Ohio 1988). “It provides in relevant part: “As used in sections 1345.01 to 1345.13 of the Revised Code: “(A) ‘Consumer transaction’ means a sale, lease, assignment, award by chance, or other transfer of an item of goods, a service, franchise, or an intangible, except those transactions…”
Harper v. Weltman, Weinberg & Reis Co., L.P.A., 2019 Ohio 3093 (Ohio Ct. App. 2019). “1692 (“FDCPA”), and the Ohio Consumer Sales Practices Act (“OCSPA”), R.C. 1345.01 et seq. Specifically, appellants alleged that because Trustar previously assigned the cognovit judgment to a third party in 2016, defendants filed the Fraudulent Conveyance Complaint while having…”
— Ohio Rev. Code § 1345.01(A)(1) — 1 case
Gaydos v. Huntington Nat'l Bank, 941 F. Supp. 669 (N.D. Ohio 1996).
— Ohio Rev. Code § 1345.01(B) — 10 cases
Delawder v. Platinum Fin. Servs. Corp., 443 F. Supp. 2d 942 (S.D. Ohio 2005). “, and the Ohio Consumer Sales Practices Act (“OCSPA”), Ohio Rev.Code § 1345.01, et seq. In sum, Delawder alleges that Defendants violated the FDCPA and the OCSPA by filing the Ironton complaint, and attaching a false affidavit to the complaint, all the while knowing that they…”
Culbreath v. Golding Enter., L.L.C., 872 N.E.2d 284 (Ohio 2007). “{¶ 30} Although we note that “solicitation” is included in the definition of a consumer transaction in R.C. 1345.01, there is nothing in R.C. 1345.”
Caley v. Glenmoor Country Club, Inc., 2013 Ohio 4877 (Ohio Ct. App. 2013).
Greer v. Finest Auto Wholesale, Inc., 2020 Ohio 3951 (Ohio Ct. App. 2020).
Turner v. Lerner, Sampson & Rothfuss, 776 F. Supp. 2d 498 (N.D. Ohio 2011).
— Ohio Rev. Code § 1345.01(C) — 91 cases
Anderson v. Barclay's Capital Real Est., Inc., 2013 Ohio 1933 (Ohio 2013). “HomEq’s services clearly do not fit 15 SUPREME COURT OF OHIO within any of the exceptions articulated in R.C. 1345.01. We owe it to the public to curb the activities of unregulated entities when it is the consumers, and only the consumers, who are left homeless and in dire…”
Taylor v. First Resolution Invest. Corp. (Slip Opinion), 2016 Ohio 3444 (Ohio 2016). “, and the Ohio Consumer Sales Practices Act (“OCSPA”), R.C. 1345.01 et seq., by the entities that purchased her debt and were involved in suing her to collect on it.”
Celebrezze v. United Rsch., Inc., 482 N.E.2d 1260 (Ohio Ct. App. 1984).
Baaron, Inc. v. Davidson, 2015 Ohio 4217 (Ohio Ct. App. 2015).
Yo-Can, Inc. v. Yogurt Exch., Inc., 778 N.E.2d 80 (Ohio Ct. App. 2002). “In their motions for summary judgment, appellees generally alleged that they were not liable as officers of the corporation, even though they personally engaged in the acts constituting the basis for the complaint and even though the definition of “supplier” includes not only a…”
— Ohio Rev. Code § 1345.01(D) — 29 cases
Traxler v. PPG Indus., Inc., 158 F. Supp. 3d 607 (N.D. Ohio 2016).
Harper v. Weltman, Weinberg & Reis Co., L.P.A., 2019 Ohio 3093 (Ohio Ct. App. 2019). “1692 (“FDCPA”), and the Ohio Consumer Sales Practices Act (“OCSPA”), R.C. 1345.01 et seq. Specifically, appellants alleged that because Trustar previously assigned the cognovit judgment to a third party in 2016, defendants filed the Fraudulent Conveyance Complaint while having…”
Eagle v. Fred Martin Motor Co., 809 N.E.2d 1161 (Ohio Ct. App. 2004).
Loury v. Westside Auto. Grp., 2022 Ohio 3673 (Ohio Ct. App. 2022).
Becker v. Cardinal Health, Inc., 2021 Ohio 3804 (Ohio Ct. App. 2021).
— Ohio Rev. Code § 1345.01(E) — 19 cases
Averback v. Montrose Ford, Inc., 2019 Ohio 373 (Ohio Ct. App. 2019).
Doe v. SexSearch. Com, 502 F. Supp. 2d 719 (N.D. Ohio 2007).
Einhorn v. Ford Motor Co., 548 N.E.2d 933 (Ohio 1990).
Brooks v. Hurst Buick-Pontiac-Olds-Gmc, Inc., 491 N.E.2d 345 (Ohio Ct. App. 1985).
Shank v. Charger, Inc., 929 N.E.2d 520 (Ohio Ct. App. 2010).
— Ohio Rev. Code § 1345.01(H)(2) — 1 case
Cianfaglione v. Lake Natl. Bank, 2019 Ohio 1299 (Ohio Ct. App. 2019).
Annotations are extracted automatically from the opinions in the Syfert caselaw corpus and ranked by authority, recency, and treatment. Dots show Syfertize treatment of the citing case itself.