The civic record
Read. Follow. Verify.Ohio Bill Prohibits Small Loans of $1,000 or Less and Loans Lasting One Year or Less
Last action · October 1, 2025: Referred to Financial Institutions, Insurance and TechnologySponsor: George Lang
Track this bill to get notified when it advances a stage. One tap to stop, anytime.
What This Bill Would Do
Ohio Senate Bill 269 prohibits licensed lenders from issuing small loans of $1,000 or less, or any loan with a duration of one year or less. The legislation also revises licensing requirements for small loan companies and grants the division of financial institutions expanded authority to examine books, conduct investigations, and issue subpoenas.
- The Small Loan Act governs consumer lending and licensing requirements for lenders operating in Ohio. context
- Section 1321.02 of the Revised Code previously underwent amendments in past legislative sessions including H.B. 199 and S.B. 24 of the 132nd General Assembly. context
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Small loan licensees
Licensed lenders are prohibited from issuing loans of $1,000 or less or loans lasting one year or less, and face annual examinations by the state.
Consumers seeking small or short-term loans
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Can licensed small loan companies in Ohio still offer loans of $500?
What happens if a lender issues a loan that violates these new restrictions?
How often does the state examine small loan licensees?
What else do you want to know?
News Coverage
Follow the record
Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
2 actions- Oct 1, 2025SenateCommitteeReferred to Financial Institutions, Insurance and Technology
- Sep 23, 2025SenateIntroducedIntroduced
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Elimination of Short-Term Small Loans
The bill establishes a floor on both loan amounts ($1,000) and loan durations (one year) for licensed small loan operators.
Connected Entities
Sources
www.legislature.ohio.gov
Analysis Score
0–100- Significance75How much this matters to a regular citizen
- Controversy60Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz25Current news / social attention level
Publisher tools