Ohio Revised Code Title I. State Government § 135.63

(A) The general assembly finds that strengthening families across Ohio is critical toward ensuring the long-term prosperity of the state.  However, the upfront financial costs associated with adoption often deter families from pursuing the adoption process.  Accordingly, it is declared to be the public policy of the state through the adoption linked deposit program to create the availability of reduced rate loans to reduce the financial burden of adoption and to strengthen families in this state.

(B) An eligible borrower for the adoption linked deposit program is an individual who is a resident of this state and to whom either of the following applies:

(C) An eligible lending institution for the adoption linked deposit program must be able to make secured or unsecured personal loans.

(D) An eligible borrower shall certify on the loan application that the reduced rate loan will be used exclusively to pay for qualifying adoption expenses.