Collection / ARM in Ohio

Who needs this in Ohio

Ohio does not issue a statewide collection-agency license. Collectors that contact Ohio consumers still must follow the FDCPA and the Ohio Consumer Sales Practices Act.

Where to file

There is no collection-agency application at the Division of Financial Institutions. A consumer-installment or mortgage license is a different authority.

Federal overlay

State licensing does not replace the Fair Debt Collection Practices Act, CFPB Regulation F, or the TCPA. Those rules apply whether or not a state issues a license.

Sources

• NMLS / CSBS state agency contacts
• CFPB — Fair Debt Collection Practices Act