Altering the buyer's identification to prevent the display of the buyer's credit record, history, or rating.

Removing adverse credit information that is accurate and not obsolete from the buyer's credit record, history, or rating or.

Providing advice or assistance to a buyer in connection with division (C)(1)(a) or (b) of O.R.C.Obtaining an extension of credit by others for a buyer.Improving a buyer's credit record, history, or rating.Pursuant to Ohio Revised Code (O.R.C.) § 4712.01(C)(1), credit services organization means any person that, in return for the payment of money or other valuable consideration readily convertible into money for the following services, sells, provides, or performs, or represents that the person can or will sell, provide, or perform, one or more of the following services:

1321.62 to 1321.702.Ĭredit Services Organization Certificate of Registration This license is available for consumer lenders making loans with terms of six months or more as provided in O.R.C. 1301:8-7-31 may obtain this exemption.Īny entity or person engaged in the business of cashing checks pursuant to Ohio Revised Code 1315.21 to 1315.30, 1315.21 and Ohio Administrative Code Chapter 1301:8-8 is required to have this license. 501(c)(3) Nonprofit Organization Company ExemptionĪ bona fide nonprofit organization that is recognized as tax exempt and whose primary activity is the construction, remodeling, or rehabilitation of homes for use by low-income families, provided that the organization makes no-profit mortgage loans or mortgage loans at zero per cent interest to low-income families and no fees accrue directly to the organization from those mortgage loans, and meets other requirements as provided in O.R.C.

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