The Defensive Line

Congress Provides Borrowers Flexibility by Passing PPP Flexibility Act

Posted on June 4th, 2020 by sutteroconnell

Borrowers who participated in the Paycheck Protection Program (the “PPP”) have been given more flexibility to pay eligible expenses, such as mortgage interest, rent payments, and utilities, without jeopardizing their forgiveness amount. The President is expected to sign this change, among others described below, into law following the Senate’s passage of the Paycheck Protection Program…

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Ohio Announces Reopening of Gyms, Campgrounds, Pools, BMVs,And Day Care Centers

Posted on May 15th, 2020 by sutteroconnell

Over the past few days, Governor DeWine has continued his approach of reopening Ohio in stages by announcing the reopening of the following businesses and services: May 15: In addition to restaurants (outside dining) and personal services, such as hair salons, nail salons, barbershops, and tanning facilities, tattoo and massage parlors are authorized to reopen,…

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Ohio Insurance Policy Voided for Misrepresentation on Application

Posted on May 7th, 2020 by Robert E. CahillRobert E. Cahill

The Ohio Supreme Court issued a significant opinion yesterday holding an auto insurance policy void ab initio (void from the beginning) for a misrepresentation on an insurance application in Nationwide Mut. Fire Ins. Co. v. Pusser, 2020-Ohio-2778.  The insured represented on her application that she was the only member of her household.  In fact, the…

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Governor DeWine Announces First Phase of Reopening Ohio

Posted on April 28th, 2020 by sutteroconnell

On April 27, 2020, Governor Mike DeWine announced the initial stages of reopening Ohio’s economy following a month long “stay-at-home” order that caused numerous Ohio businesses to close and confined Ohio residents to their homes. In his announcement, Governor DeWine announced five protocols that all Ohio businesses are required to follow: 1.  Recommend face coverings…

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Posted on April 22nd, 2020 by James L. McCrystal, Jr.James L. McCrystal, Jr.

Earlier this month the Environmental Protection Agency published a draft Risk Evaluation for Asbestos. This was done because asbestos is one of the first ten chemicals selected by EPA to undergo risk evaluation under TSCA (Toxic Substances Control Act). EPA’s risk evaluation of asbestos discusses a handful of very limited, still ongoing, uses in the…

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SBA Offers Guidance to Sole Proprietors and Self-Employed Workers on the Paycheck Protection Program

Posted on April 17th, 2020 by sutteroconnell

  In a recent article, we discussed the Paycheck Protection Program (“PPP”), which created a  $350B loan program for eligible small businesses that allows them to pay and retain their employees and contractors using an interest free and forgivable loan that is wholly backed by the Small Business Administration (“SBA”). On April 14, 2020, the…

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