Regulates and enforces fair lending practices with regards to major national banks and lending institutions (not state chartered), and credit card companies. Accepts, and where warranted, acts to resolve consumer complaints regarding mortgage loans, car loans, student loans, pay day loans, other consumer loans, and bank account issues.

Provides free legal assistance via phone regarding problems that affect older adults living in Ohio. Subject areas include civil law issues such as consumer problems, Medicaid, Medicare, Social Security, subsidized housing, wills and estates. If the legal problem cannot be solved over the phone, the client may be referred to a private attorney who can provide the service. Also offers pamphlets on a variety of legal topics.

Protects consumers from fraudulent or unfair credit practices through enforcement of legislation that guarantees equal access to credit; the right to notice of credit reporting activities; the right of access to information contained in credit reports; the right to correct erroneous credit report information; the right to withhold payment on damaged or shoddy goods or repairs or poor quality services while negotiating a settlement; the right to timely correction of billing errors; protection from abusive, deceptive or unfair debt collection practices and similar protections.

Protects consumers from fraudulent or unfair credit practices through enforcement of legislation that guarantees equal access to credit; the right to notice of credit reporting activities; the right of access to information contained in credit reports; the right to correct erroneous credit report information; the right to withhold payment on damaged or shoddy goods or repairs or poor quality services while negotiating a settlement; the right to timely correction of billing errors; protection from abusive, deceptive or unfair debt collection practices and similar protections.