Voss v. Quicken Loans, L.L.C.

2026 Ohio 531
CourtOhio Supreme Court
DecidedFebruary 19, 2026
Docket2024-0257
StatusPublished

This text of 2026 Ohio 531 (Voss v. Quicken Loans, L.L.C.) is published on Counsel Stack Legal Research, covering Ohio Supreme Court primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Voss v. Quicken Loans, L.L.C., 2026 Ohio 531 (Ohio 2026).

Opinion

[Until this opinion appears in the Ohio Official Reports advance sheets, it may be cited as Voss v. Quicken Loans, L.L.C., Slip Opinion No. 2026-Ohio-531.]

NOTICE This slip opinion is subject to formal revision before it is published in an advance sheet of the Ohio Official Reports. Readers are requested to promptly notify the Reporter of Decisions, Supreme Court of Ohio, 65 South Front Street, Columbus, Ohio 43215, of any typographical or other formal errors in the opinion, in order that corrections may be made before the opinion is published.

SLIP OPINION NO. 2026-OHIO-531 VOSS, APPELLEE, v. QUICKEN LOANS, L.L.C., ET AL, APPELLANTS. [Until this opinion appears in the Ohio Official Reports advance sheets, it may be cited as Voss v. Quicken Loans, L.L.C., Slip Opinion No. 2026-Ohio-531.] Standing—Class actions—Mortgage-release statute—R.C. 5301.36 comports with Ohio’s constitutional standing requirement—Trial court erred in certifying class because a class action was not, at that time, a superior method to adjudicate the controversy—Court of appeals erred by not applying the amended statute, which was in effect at time of its decision and which precluded the class-wide collection of damages that appellee sought— Amended R.C. 5301.36(C) applies retroactively in this case to prohibit the class-wide collection of damages that appellee seeks—Court of appeals’ judgment affirmed in part and reversed in part and cause remanded to trial court to decertify the class. (No. 2024-0257—Submitted March 13, 2025—Decided February 19, 2026.) APPEAL from the Court of Appeals for Hamilton County, No. C-230065, 2024-Ohio-12. SUPREME COURT OF OHIO

__________________ HAWKINS, J., authored the opinion of the court, which KENNEDY, C.J., and FISCHER, DEWINE, BRUNNER, and SHANAHAN, JJ., joined. LANZINGER, J., concurred in part and dissented in part, with an opinion. JILL FLAGG LANZINGER, J., of the Ninth District Court of Appeals, sat for DETERS, J.

HAWKINS, J. {¶ 1} In this case, we are asked to answer two questions regarding Ohio’s mortgage-release statute, R.C. 5301.36. Under this statute, if a mortgage lender fails to record the release of a mortgage in a timely fashion, the borrower of the unrecorded satisfaction and the owner of the real property can file suit and seek damages of $250. R.C. 5301.36(B), (C). We are asked whether the statute comports with Ohio’s constitutional standing requirement. {¶ 2} We are also asked to address a 2023 amendment to R.C. 5301.36 that prohibited borrowers and property owners from collecting the provision’s statutory damages via class action and whether the amended statute should be applied in this case. The amendment was enacted by the General Assembly in January 2023 with an effective date of April 7, 2023. Despite being aware of this amendment, the trial court granted appellee Samuel Voss’s motion to certify a class in February 2023, reasoning that the amendment was not yet in effect. {¶ 3} Our answers are as follows: first, R.C. 5301.36 comports with Ohio’s constitutional standing requirement. We therefore agree with the trial court’s decision allowing Voss to proceed with his suit and the subsequent decision of the First District Court of Appeals to affirm. {¶ 4} Second, we conclude that the trial court’s decision to certify the class in this case was an error, as a class action was not, at that time, a superior method to adjudicate the controversy. Moreover, we conclude that the court of appeals erred by not applying the amended statute, which was in effect at the time of its

2 January Term, 2026

decision and which precluded the class-wide collection of damages that Voss sought. We therefore reverse in part the decision of the court of appeals and remand to the trial court with instructions to decertify the class. Background {¶ 5} The facts of this case are straightforward. A mortgage that had been attached to a house Voss purchased was paid off at the time of Voss’s purchase with proceeds from the sale. That payment triggered a statutory duty requiring appellants, Quicken Loans and Mortgage Electronic Registration Systems, Inc. (“Quicken”) to “record a release of the mortgage evidencing the fact of its satisfaction” within 90 days, R.C. 5301.36(B). Although required to record the release by May 5, 2020, Quicken concedes that the release was not recorded until May 27, 2020, which, Quicken emphasizes, was “just 22 days past the statutory deadline.” {¶ 6} The subsequent procedural history is replete with motions, including one to remove the case to the United States District Court for the Southern District of Ohio (Western Division). That motion was granted, but the federal court then remanded the case to state court for want of subject-matter jurisdiction. Two other motions are relevant here: Quicken’s motion for summary judgment, which implicates the issue of standing, and Voss’s motion to certify a class seeking damages based on violations of R.C. 5301.36(B), which resulted in the trial court’s briefly addressing the amendment of R.C. 5301.36 and the issue of retroactivity. The trial court denied the motion for summary judgment, concluding that Voss had standing, and granted the motion to certify the class, stating in a footnote that it would apply R.C. 5301.36 as it existed both at that time (of the court’s ruling on the class certification in February 2023) and at the time Voss’s action was commenced. The court of appeals affirmed, concluding that Voss had statutory standing and that the trial court had properly decided that amended R.C. 5301.36(C) was not applicable. 2024-Ohio-12, ¶ 3, 21-23 (1st Dist.).

3 SUPREME COURT OF OHIO

{¶ 7} Quicken appealed, and we accepted jurisdiction over two propositions of law:

1. A class cannot be certified where the General Assembly has specifically barred classwide recovery of the only relief sought by the class, even when that statute was not yet in effect at the time of certification. 2. A statute does not and cannot abrogate the need to prove standing merely by specifying an amount of statutory damages, and the need for individualized proof means common issues do not predominate across the statewide class.

See 2024-Ohio-1720. Analysis {¶ 8} As with all cases involving statutes, we begin with the language of the statute. R.C. 5301.36, as effective in February 2023 at the time the class was certified, stated: “[T]he mortgagor of the unrecorded satisfaction and the current owner of the real property to which the mortgage pertains may recover, in a civil action, damages of two hundred fifty dollars. This division does not preclude or affect any other legal remedies or damages that may be available to the mortgagor.” Former R.C. 5301.36(C), 2014 Am.Sub.H.B. No. 201. This language remains the same in the amended version of R.C. 5301.36, see R.C. 5301.36(C)(1), which became effective on April 7, 2023. The amendment added the restriction that “[a] mortgagor or current owner of the real property shall not be eligible to collect the damages described in division (C)(1) of [R.C. 5301.36] via a class action for violations . . . that occurred in calendar year 2020.” R.C. 5301.36(C)(2); see 2022 Am.Sub.H.B. No. 45.

4 January Term, 2026

{¶ 9} Thus, the relevant questions for us are whether the restriction on the eligibility to collect damages via class action for R.C. 5301.36(B) violations that occurred in 2020 applies to this case and whether R.C. 5301.36 confers standing on Voss. We address the second proposition of law first because it could be dispositive. If we conclude that Voss does not have standing, there will be no need to address the implications of amended R.C. 5301.36(C). Standing {¶ 10} The Ohio Constitution vests this court and inferior courts with the judicial power. Ohio Const., art. IV, § 1. This grant of the judicial power allows us to decide “specific cases” between conflicting parties.

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Bluebook (online)
2026 Ohio 531, Counsel Stack Legal Research, https://law.counselstack.com/opinion/voss-v-quicken-loans-llc-ohio-2026.