The Consumer Law Center exists to arm the citizens of Ohio with the information that they need to make informed, intelligent and financially safe consumer decisions – through the use of educational materials, seminars, practical advice, and public awareness campaigns.
‘Consumer Laws’ protect you whenever you buy something for your house, or for your personal (or private) use. They are called ‘Consumer Laws’ because they were created to protect you – the consumer. These laws cover goods (like a refrigerator, a car or a can of paint) or services (like the warranty on a new lawnmower or a cell phone, or when you hire somebody to install a new furnace). Some consumer laws cover items that you don’t use in your home (credit cards); some cover the actual agreements that you sign to buy something (a layaway agreement, or the contract to get a new roof on your house). There are even consumer laws to prevent you from being abused or harassed on the phone (When you get a call from somebody trying to sell you something or from a bill collector).
In addition to what you buy, how you pay for that item or service is also governed by consumer laws. What type of financing you get; whether you use a payday lender; whether you take out a mortgage on your house and what type of credit card you use are all covered by one or more of the consumer laws that exist to protect you.
This website is your window to the world of consumer laws. They can be confusing; and at times, they can be scary. But, they can also be friendly, helpful and money-saving!
Ohio has many Laws to protect Consumers. The main law is the ‘Consumer Sales Practices Act’ or CSPA (which can be found here) The CSPA was created in the mid 1970s to provide protections to all of us. ‘Consumer’ laws have many things in common. One of the most important things is that they are supposed to prevent you from being lied to; treated unfairly or taken advantage of. If you have been abused, you can ask a Court to step in and try to fix the situation. But, by far, the most effective way to keep from being taken advantage of is to be familiar with the rights that you have as a consumer, the choices that you can make and how to avoid the tricks and traps that are in the marketplace awaiting the consumer who has not done his homework.
If you have any questions about this (or any other) issue; or would like to speak with a counselor, please send an e-mail to [email protected]. We will put you in touch with a counselor and help you the best way we can!