Columbus – Today, Assistant Democratic Leader Charleta B. Tavares (D - Columbus) expressed her concern over the recent Ohio Supreme Court ruling in favor of Pay Day Lending operators who continue to side step the legislative intent of the Ohio General Assembly to protect consumers from egregious loan practices with the Short-Term Loan Act.
On June 11, the Supreme Court overturned an appellate decision prohibiting lenders from manipulating a loophole in the lending law that allows them to continue unfair lending practices. Since the passage of the 2008 restrictive legislation, many of the companies are now operating under the Mortgage Loan Act, which has no sanctions on unscrupulous practices such as excessive loan interest rates and unreasonable payback periods. Tavares plans to introduce legislation addressing the lack of regulation within the Mortgage Loan Act to prevent lenders from using the law to circumvent limitations.     
“The intent of the members of the Legislature was to protect consumers from predatory and unreasonable loan practices," stated Senator Tavares.  "Allowing payday operators to find a way around our intent and continue to take advantage of and hurt those who are economically challenged in our community is unethical and immoral.  We cannot let them slip through the loophole or find a way to continue these practices.”
The Supreme Court was clear in its ruling that the General Assembly failed to properly address an industry with substantial economic ramifications. This legislative breakdown has resulted in continued inequity and injustice for low-income individuals and families in a state with the fourth largest use of payday lending in the nation. The General Assembly will be working with the Coalition for Responsible Lending as well as the Consumer Financial Protection Bureau to protect Ohio residents. 


Featured Posts

Senator Tavares To Introduce Eyewitness Protection Act


Columbus—Next week, Assistant Senate Democratic Leader Charleta B. Tavares (D-Columbus) will introduce legislation aimed at protecting citizens who record law enforcement and civilian involved incidents. The Eyewitness Protection Act will give a person the right to lawfully record any incident involving law enforcement or the public and to maintain custody and control of that recording and the device used to record the incident. 


Tavares Legislation Creating Family Stability Commission Clears Senate


Columbus—State Senator Charleta B. Tavares (D-Columbus) applauded the passage of Senate Bill 30, legislation she sponsored which establishes the Ohio Family Stability Commission. The proposal establishes a time-limited commission that will focus on the strengthening of Ohio families and emphasizing the well-being of children. 


Assistant Democratic Leader Charleta B. Tavares Reflects On Mental Health Awareness Month


May is Mental Health Month sponsored by Mental Health America. This year’s theme is called “B4Stage4” which focuses on diagnosing and addressing mental illnesses before Stage 4 in which symptoms are more severe and difficult to treat.

Mental illnesses are sometimes crippling disorders that affect the lives of millions of Americans and oftentimes go unannounced because of the stigma associated with them.

Join me in spreading the word about “mental health” throughout the month of May so that your friends, family, and community can get the support and education that they need.

For more information about mental health awareness, visit the National Alliance on Mental Illness at


Assistant Democratic Leader Charleta B. Tavares Honors The Life Of Former Ohio Democratic Party Chairman Paul Tipps


Today, during Senate Session, Assistant Democratic Leader Charleta B. Tavares (D-Columbus) honored the life of former Ohio Democratic Party Chairman Paul Tipps who died on April 21st at the age of 78. During his tenure, the Ohio Democratic Party controlled all statewide offices in Ohio and the Ohio legislature.