Notice Lending Opportunities Borrow smart. Contact the Ohio Division of Financial Institutionsâ Office of Consumer Affairs BEFORE you refinance your home or obtain a loan. BEWARE of requests for any large advance payment of fees or insurance. Call the Office of Consumer Affairs toll free at 1-866-278-0003 to learn if the mortgage broker or lender is properly licensed. This notice is a public service announcement of the Wapakoneta Daily News.