---
type: "Bill"
title: "Modify short-term, small, and mortgage loan laws"
description: "Modify short-term, small, and mortgage loan laws"
jurisdiction: "us/states/oh"
legislature: "Ohio General Assembly"
session: "132"
identifier: "HB 123"
citation: "Ohio HB 123 (132)"
classification: ["bill"]
subjects: ["Commerce", "Consumer Finance"]
status: "enacted"
primary_sponsors: ["J. Koehler", "Michael Ashford"]
version_count: 6
action_count: 10
vote_count: 5
first_action: "2017-03-08"
last_action: "2018-10-29T04:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/ad824fa3-1553-4a95-848b-eb537096813c"
source_url: "http://search-prod.lis.state.oh.us/solarapi/v1/general_assembly_132/bills/hb123/"
source_hash: "30f492773a548e5de71954ff4e479e281c5e79916716d8af5137a01e69ebd6b9"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-oh"]
---

# Ohio HB 123 (132) — Modify short-term, small, and mortgage loan laws

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **As Introduced** (filed) — [source](https://search-prod.lis.state.oh.us/solarapi/v1/general_assembly_132/bills/hb123/IN/00?format=pdf)
2. **As Passed by the House** (committee substitute) — [source](https://search-prod.lis.state.oh.us/solarapi/v1/general_assembly_132/bills/hb123/PH/02?format=pdf)
3. **As Passed by the Senate** (committee substitute) — [source](https://search-prod.lis.state.oh.us/solarapi/v1/general_assembly_132/bills/hb123/PS/04?format=pdf)
4. **As Reported by the House Government Accountability and Oversight Committee** (committee substitute) — [source](https://search-prod.lis.state.oh.us/solarapi/v1/general_assembly_132/bills/hb123/RH/01?format=pdf)
5. **As Reported by the Senate Finance Committee** (committee substitute) — [source](https://search-prod.lis.state.oh.us/solarapi/v1/general_assembly_132/bills/hb123/RS/03?format=pdf)
6. **As Enrolled** (enrolled) — [source](https://search-prod.lis.state.oh.us/solarapi/v1/general_assembly_132/bills/hb123/EN/05?format=pdf)

## Votes

- pass_300 — **71–17** (pass) · lower
- crpt_301 — **10–2** (pass) · upper
- msg_507 — **61–24** (pass) · lower
- crpt_301 — **9–1** (pass) · lower
- pass_300 — **21–9** (pass) · upper

## Sponsors

- J. Koehler — primary (person)
- Michael Ashford — primary (person)
- Adam Miller — cosponsor (person)
- Catherine Ingram — cosponsor (person)
- Cecil Thomas — cosponsor (person)
- Charleta B. Tavares — cosponsor (person)
- Dan Ramos — cosponsor (person)
- Dave Burke — cosponsor (person)
- Dave Greenspan — cosponsor (person)
- David Leland — cosponsor (person)
- Emilia Sykes — cosponsor (person)
- Gayle Manning — cosponsor (person)
- Glenn Holmes — cosponsor (person)
- Hearcel Craig — cosponsor (person)
- Janine Boyd — cosponsor (person)
- Jay Hottinger — cosponsor (person)
- Joe Schiavoni — cosponsor (person)
- John Barnes — cosponsor (person)
- John Patterson — cosponsor (person)
- John Rogers — cosponsor (person)
- Kathleen Clyde — cosponsor (person)
- Kenny Yuko — cosponsor (person)
- Kent Smith, K — cosponsor (person)
- Kirk Schuring — cosponsor (person)
- Michael O'Brien — cosponsor (person)
- Michael Sheehy — cosponsor (person)
- Michele Lepore-Hagan — cosponsor (person)
- Nickie Antonio — cosponsor (person)
- P. Lipps — cosponsor (person)
- Peggy Lehner — cosponsor (person)
- Richard Brown — cosponsor (person)
- Ryan Smith, R. — cosponsor (person)
- Scott Oelslager — cosponsor (person)
- Scott Ryan — cosponsor (person)
- Stephanie Howse — cosponsor (person)
- Teresa Fedor — cosponsor (person)
- Thomas West — cosponsor (person)
- Vernon Sykes — cosponsor (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2017-03-08** Introduced `introduction`
- **2017-03-21** Refer to Committee `referral-committee`
- **2018-04-18** Reported
- **2018-06-07** Passed `passage`
- **2018-06-11** Introduced `reading-1`
- **2018-06-19** Refer to Committee `referral-committee`
- **2018-07-10** Passed `passage`
- **2018-07-10** Reported
- **2018-07-24** Concurred in Senate amendments `amendment-passage`
- **2018-10-29T04:00:00+00:00** Effective `became-law`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/ad824fa3-1553-4a95-848b-eb537096813c`. Confidence: reported (aggregated from official Ohio legislature records).