Ohio Revised Code

Ohio Rev. Code § 1345.09 (2026)

Private causes of action

✓ current as of May 2026
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For a violation of Chapter 1345. of the Revised Code, a consumer has a cause of action and is entitled to relief as follows:

(A) Where the violation was an act prohibited by section 1345.02, 1345.03, or 1345.031 of the Revised Code, the consumer may, in an individual action, rescind the transaction or recover the consumer's actual economic damages plus an amount not exceeding five thousand dollars in noneconomic damages.

(B) Where the violation was an act or practice declared to be deceptive or unconscionable by rule adopted under division (B)(2) of section 1345.05 of the Revised Code before the consumer transaction on which the action is based, or an act or practice determined by a court of this state to violate section 1345.02, 1345.03, or 1345.031 of the Revised Code and committed after the decision containing the determination has been made available for public inspection under division (A)(3) of section 1345.05 of the Revised Code, the consumer may rescind the transaction or recover, but not in a class action, three times the amount of the consumer's actual economic damages or two hundred dollars, whichever is greater, plus an amount not exceeding five thousand dollars in noneconomic damages or recover damages or other appropriate relief in a class action under Civil Rule 23, as amended.

(C)(1) Except as otherwise provided in division (C)(2) of this section, in any action for rescission, revocation of the consumer transaction must occur within a reasonable time after the consumer discovers or should have discovered the ground for it and before any substantial change in condition of the subject of the consumer transaction.

(2) If a consumer transaction between a loan officer, mortgage broker, or nonbank mortgage lender and a customer is in connection with a residential mortgage, revocation of the consumer transaction in an action for rescission is only available to a consumer in an individual action, and shall occur for no reason other than one or more of the reasons set forth in the "Truth in Lending Act," 82 Stat. 146 (1968), 15 U.S.C. 1635, not later than the time limit within which the right of rescission under section 125(f) of the "Truth in Lending Act" expires.

(D) Any consumer may seek a declaratory judgment, an injunction, or other appropriate relief against an act or practice that violates this chapter.

(E) When a consumer commences an individual action for a declaratory judgment or an injunction or a class action under this section, the clerk of court shall immediately mail a copy of the complaint to the attorney general. Upon timely application, the attorney general may be permitted to intervene in any private action or appeal pending under this section. When a judgment under this section becomes final, the clerk of court shall mail a copy of the judgment including supporting opinions to the attorney general for inclusion in the public file maintained under division (A)(3) of section 1345.05 of the Revised Code.

(F) The court may award to the prevailing party a reasonable attorney's fee limited to the work reasonably performed and limited pursuant to section 1345.092 of the Revised Code, if either of the following apply:

(1) The consumer complaining of the act or practice that violated this chapter has brought or maintained an action that is groundless, and the consumer filed or maintained the action in bad faith;

(2) The supplier has knowingly committed an act or practice that violates this chapter.

(G) As used in this section, "actual economic damages" means damages for direct, incidental, or consequential pecuniary losses resulting from a violation of Chapter 1345. of the Revised Code and does not include damages for noneconomic loss as defined in section 2315.18 of the Revised Code.

(H) Nothing in this section shall preclude a consumer from also proceeding with a cause of action under any other theory of law.

Notes of Decisions
Cited in 315 cases (72 in the last 5 years), 1976–2026 · leading case: McKinney v. Bayer Corp., 744 F. Supp. 2d 733 (N.D. Ohio 2010).
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McKinney v. Bayer Corp., 744 F. Supp. 2d 733 (N.D. Ohio 2010). · cites it 72× “See O.R.C. § 1345.09; see also City of Findlay v.”
In re Porsche Cars North Am., Inc., 880 F. Supp. 2d 801 (S.D. Ohio 2012). · cites it 30× “05 of the Revised Code, the consumer may rescind the transaction or recover, but not in a class action, three times the amount of the consumer's actual economic damages or two hundred dollars, whichever is greater, plus an amount not exceeding five thousand dollars in…”
Marrone v. Philip Morris USA, Inc., 850 N.E.2d 31 (Ohio 2006). · cites it 35× “R.C. 1345.09. A consumer may, in an individual action, rescind the transaction or recover damages for a violation of the CSPA.”
Felix v. Ganley Chevrolet, Inc. (Slip Opinion), 2015 Ohio 3430 (Ohio 2015). · cites it 32× “{¶ 39} To the extent that the Felixes contend that they and other class members are entitled to statutory damages as class members because R.C. 1345.09 does not limit the term “damages” to “actual damages,” they are mistaken.”
Whitaker v. M.T. Auto., Inc., 855 N.E.2d 825 (Ohio 2006). · cites it 23× “{¶ 1} We accepted this case as a discretionary appeal to clarify what damages are available under R.C. 1345.09, the private-remedy section of Ohio’s Consumer Sales Practice Act (“CSPA”).”
Phillips v. Philip Morris Companies Inc., 290 F.R.D. 476 (N.D. Ohio 2013). · cites it 33× “2d 31 (2006); see Ohio Rev.Code § 1345.09 (“For a violation of Chapter 1345 of the Revised Code, a consumer has a cause of action and is entitled to relief____”) (emphasis added).”
Averback v. Montrose Ford, Inc., 2019 Ohio 373 (Ohio Ct. App. 2019). · cites it 26× “R.C. 1345.09(A). “‘[A]ctual economic damages’” is defined as “damages for direct, incidental, or consequential pecuniary losses” arising from a violation of the CSPA.”
Gascho v. Global Fitness Holdings, LLC, 863 F. Supp. 2d 677 (S.D. Ohio 2012). · cites it 19× “Pursuant to Ohio Revised Code § 1345.09, a consumer can bring a cause of action for a violation of Chapter 1345 of the Revised Code.”
Delahunt v. Cytodyne Tech., 241 F. Supp. 2d 827 (S.D. Ohio 2003). · cites it 20× “Pursuant to these provisions, Ohio Rev. Code § 1345.09 provides: For a violation of Chapter 1345.”
Mid-Am. Acceptance Co. v. Lightle, 579 N.E.2d 721 (Ohio Ct. App. 1989). · cites it 22× “It is clear that the legislature fully intended for the remedies available to the consumer in R.C. 1345.09 to be in addition to remedies already available such as damages for common-law fraud.”
Volbers-Klarich v. Middletown Mgmt., Inc., 2010 Ohio 2057 (Ohio 2010). · cites it 6× “Appellant’s Class-Action Claim Alleging a Violation of the OCSPA Fails to State a Claim upon Which Relief Can Be Granted {¶ 31} The court of appeals held that appellant’s claim seeking certification of a class action alleging a violation of the OCSPA failed to state a claim upon…”
Eagle v. Fred Martin Motor Co., 809 N.E.2d 1161 (Ohio Ct. App. 2004). · cites it 6× “R.C. 1345.09. Specifically, R.C. 1345.09 provides that, when a consumer commences a CSPA claim for declaratory judgment, injunction, or class action, the clerk of courts is required to mail a copy of the complaint to the Attorney General, who may intervene in the action.”
Show all 315 citing cases →
— Ohio Rev. Code § 1345.09(A) — 51 cases
McKinney v. Bayer Corp., 744 F. Supp. 2d 733 (N.D. Ohio 2010). “See O.R.C. § 1345.09; see also City of Findlay v.”
Whitaker v. M.T. Auto., Inc., 855 N.E.2d 825 (Ohio 2006). “{¶ 1} We accepted this case as a discretionary appeal to clarify what damages are available under R.C. 1345.09, the private-remedy section of Ohio’s Consumer Sales Practice Act (“CSPA”).”
Felix v. Ganley Chevrolet, Inc. (Slip Opinion), 2015 Ohio 3430 (Ohio 2015). “{¶ 39} To the extent that the Felixes contend that they and other class members are entitled to statutory damages as class members because R.C. 1345.09 does not limit the term “damages” to “actual damages,” they are mistaken.”
Marrone v. Philip Morris USA, Inc., 850 N.E.2d 31 (Ohio 2006). “R.C. 1345.09. A consumer may, in an individual action, rescind the transaction or recover damages for a violation of the CSPA.”
Phillips v. Philip Morris Companies Inc., 290 F.R.D. 476 (N.D. Ohio 2013). “2d 31 (2006); see Ohio Rev.Code § 1345.09 (“For a violation of Chapter 1345 of the Revised Code, a consumer has a cause of action and is entitled to relief____”) (emphasis added).”
— Ohio Rev. Code § 1345.09(B) — 136 cases
McKinney v. Bayer Corp., 744 F. Supp. 2d 733 (N.D. Ohio 2010). “See O.R.C. § 1345.09; see also City of Findlay v.”
In re Porsche Cars North Am., Inc., 880 F. Supp. 2d 801 (S.D. Ohio 2012). “05 of the Revised Code, the consumer may rescind the transaction or recover, but not in a class action, three times the amount of the consumer's actual economic damages or two hundred dollars, whichever is greater, plus an amount not exceeding five thousand dollars in…”
Marrone v. Philip Morris USA, Inc., 850 N.E.2d 31 (Ohio 2006). “R.C. 1345.09. A consumer may, in an individual action, rescind the transaction or recover damages for a violation of the CSPA.”
Felix v. Ganley Chevrolet, Inc. (Slip Opinion), 2015 Ohio 3430 (Ohio 2015). “{¶ 39} To the extent that the Felixes contend that they and other class members are entitled to statutory damages as class members because R.C. 1345.09 does not limit the term “damages” to “actual damages,” they are mistaken.”
Phillips v. Philip Morris Companies Inc., 290 F.R.D. 476 (N.D. Ohio 2013). “2d 31 (2006); see Ohio Rev.Code § 1345.09 (“For a violation of Chapter 1345 of the Revised Code, a consumer has a cause of action and is entitled to relief____”) (emphasis added).”
— Ohio Rev. Code § 1345.09(B)(2) — 1 case
Reagans v. MountainHigh Coachworks, Inc., 117 Ohio St. 3d 22 (Ohio 2008).
— Ohio Rev. Code § 1345.09(C) — 14 cases
Nations Credit v. Pheanis, 656 N.E.2d 998 (Ohio Ct. App. 1995).
Reichert v. Ingersoll, 480 N.E.2d 802 (Ohio 1985).
Cypher v. Bill Swad Leasing Co., 521 N.E.2d 1142 (Ohio Ct. App. 1987).
Lloyd v. Buick Youngstown Gmc Truck Co., 686 N.E.2d 350 (Ohio Ct. App. 1996).
J. Bowers Constr. Co., Inc. v. Gilbert, 2014 Ohio 3576 (Ohio Ct. App. 2014).
— Ohio Rev. Code § 1345.09(C)(1) — 10 cases
Allen v. Andersen Windows, Inc., 913 F. Supp. 2d 490 (S.D. Ohio 2012).
Averback v. Montrose Ford, Inc., 2019 Ohio 373 (Ohio Ct. App. 2019). “R.C. 1345.09(A). “‘[A]ctual economic damages’” is defined as “damages for direct, incidental, or consequential pecuniary losses” arising from a violation of the CSPA.”
Garber v. STS Concrete Co., L.L.C., 2013 Ohio 2700 (Ohio Ct. App. 2013).
Griffin Contracting & Restoration v. McIntyre, 2018 Ohio 3121 (Ohio Ct. App. 2018).
Santos v. Buckeye 5, L.L.C., 2023 Ohio 3602 (Ohio Ct. App. 2023).
— Ohio Rev. Code § 1345.09(D) — 19 cases
Delawder v. Platinum Fin. Servs. Corp., 443 F. Supp. 2d 942 (S.D. Ohio 2005).
Dillon v. Farmers Ins. of Columbus, Inc. (Slip Opinion), 2015 Ohio 5407 (Ohio 2015).
Eagle v. Fred Martin Motor Co., 809 N.E.2d 1161 (Ohio Ct. App. 2004). “R.C. 1345.09. Specifically, R.C. 1345.09 provides that, when a consumer commences a CSPA claim for declaratory judgment, injunction, or class action, the clerk of courts is required to mail a copy of the complaint to the Attorney General, who may intervene in the action.”
Cartwright v. Beverly Hills Floors, 2013 Ohio 2266 (Ohio Ct. App. 2013).
Whitaker v. M.T. Auto., Inc., 855 N.E.2d 825 (Ohio 2006). “{¶ 1} We accepted this case as a discretionary appeal to clarify what damages are available under R.C. 1345.09, the private-remedy section of Ohio’s Consumer Sales Practice Act (“CSPA”).”
— Ohio Rev. Code § 1345.09(E) — 1 case
Eagle v. Fred Martin Motor Co., 809 N.E.2d 1161 (Ohio Ct. App. 2004). “R.C. 1345.09. Specifically, R.C. 1345.09 provides that, when a consumer commences a CSPA claim for declaratory judgment, injunction, or class action, the clerk of courts is required to mail a copy of the complaint to the Attorney General, who may intervene in the action.”
— Ohio Rev. Code § 1345.09(F) — 67 cases
Duckworth v. Burger King Corp., 824 N.E.2d 592 (Ohio Ct. App. 2005).
Semco, Inc. v. Sims Bros., Inc., 2013 Ohio 4109 (Ohio Ct. App. 2013).
Parker v. I&F Insulation Co., 2000 Ohio 151 (Ohio 2000).
Einhorn v. Ford Motor Co., 548 N.E.2d 933 (Ohio 1990).
Parker v. I&F Insulation Co., 730 N.E.2d 972 (Ohio 2000).
— Ohio Rev. Code § 1345.09(F)(1) — 14 cases
Hansel v. Creative Concrete & Masonry Constr. Co., 772 N.E.2d 138 (Ohio Ct. App. 2002).
Semco, Inc. v. Sims Bros., Inc., 2013 Ohio 4109 (Ohio Ct. App. 2013).
Shury v. Cusato, 2022 Ohio 4401 (Ohio Ct. App. 2022).
Renner v. Derin Acquisition Corp., 676 N.E.2d 151 (Ohio Ct. App. 1996).
Davis v. Byers Volvo, 2012 Ohio 882 (Ohio Ct. App. 2012).
— Ohio Rev. Code § 1345.09(F)(2) — 72 cases
Bittner v. Tri-Cnty. Toyota, Inc., 569 N.E.2d 464 (Ohio 1991).
Averback v. Montrose Ford, Inc., 2019 Ohio 373 (Ohio Ct. App. 2019). “R.C. 1345.09(A). “‘[A]ctual economic damages’” is defined as “damages for direct, incidental, or consequential pecuniary losses” arising from a violation of the CSPA.”
Einhorn v. Ford Motor Co., 548 N.E.2d 933 (Ohio 1990).
Shank v. Charger, Inc., 929 N.E.2d 520 (Ohio Ct. App. 2010).
Mid-Am. Acceptance Co. v. Lightle, 579 N.E.2d 721 (Ohio Ct. App. 1989). “It is clear that the legislature fully intended for the remedies available to the consumer in R.C. 1345.09 to be in addition to remedies already available such as damages for common-law fraud.”
— Ohio Rev. Code § 1345.09(G) — 13 cases
Averback v. Montrose Ford, Inc., 2019 Ohio 373 (Ohio Ct. App. 2019). “R.C. 1345.09(A). “‘[A]ctual economic damages’” is defined as “damages for direct, incidental, or consequential pecuniary losses” arising from a violation of the CSPA.”
Scott v. First Choice Auto Clinic, Inc., 2023 Ohio 3855 (Ohio Ct. App. 2023).
Sterling Constr., Inc. v. Alkire, 2017 Ohio 7213 (Ohio Ct. App. 2017).
Warman v. Select Auto, 2024 Ohio 366 (Ohio Ct. App. 2024).
Williams v. Sharon Woods Collision Ctr., Inc., 2018 Ohio 2733 (Ohio Ct. App. 2018).
— Ohio Rev. Code § 1345.09(H) — 3 cases
Dillon v. Farmers Ins. of Columbus, Inc. (Slip Opinion), 2015 Ohio 5407 (Ohio 2015).
Ohio Attorney Gen. v. Suwinski (In re Suwinski), 509 B.R. 568 (Bankr. S.D. Ohio 2013).
Ostigny v. France, 2025 Ohio 4885 (Ohio Ct. App. 2025).
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