Consumer credit law reference
Ohio Credit Dispute Laws
Ohio requires CSO registration with the Division of Financial Institutions and gives consumers a 5-day contract cancellation right.
Primary state statute
Ohio Credit Services Organization Act
Ohio Rev. Code § 4712.01 et seq.
Regulator: Ohio Department of Commerce — Division of Financial Institutions
What Ohio adds on top of the federal FCRA
- •State registration
- •$100,000 bond
- •5-day cancellation right
- •No advance fees
Dispute inaccurate items on your Ohio credit report
Vindex Intelligence drafts FCRA-cited dispute letters for Ohio residents in minutes, tracks the 30-day bureau reinvestigation window, and escalates unresolved items to the CFPB.
Neighboring states
View all 50 statesThis page is general legal information, not legal advice. Statute numbers are current as of 2026 — verify before litigating. For legal advice specific to your situation, consult a licensed attorney in Ohio.