Protecting What Matters: A Podcast by the Ohio Department of Commerce

Back‑to‑school season is here and so is the pressure on your wallet. In this episode of Protecting What Matters, we break down practical budgeting tips for families, insights from Ohio retailers on this year’s school shopping trends, and everything you need to know about Ohio’s Sales Tax Holiday. Learn how to stretch your dollars, plan ahead, and shop smarter as you get ready for the new school year. Start this season prepared, confident, and in control of your budget.

With America’s birthday around the corner, celebrating safely is more important than ever. In this episode of Protecting What Matters, we sit down with experts from the Ohio State Fire Marshal’s Office to discuss the dangers of illegal fireworks, legal use guidelines, key safety tips for a worry‑free celebration, and the legal discharge periods allowed by Ohio law. Learn how to keep your family and community safe while still enjoying the boom and sparkle. For more details please visit our website at com.ohio.gov/Fireworks

May is Building Safety Month and the Ohio Department of Commerce is Cracking the Code and navigating the state’s building and fire codes. In this episode of Protecting What Matters hear from experts on how the building and fire codes where adopted and why they play a vital role in our mission of promoting prosperity by protecting what matters most!.

In this episode of Protecting What Matters explores how we can honor Older Americans Month by helping the older adults in our lives stay safe from financial fraud and maintain secure, healthy homes.

This episode of Protecting What Matters goes beyond dusting and organizing we’re uncovering how clutter and sometimes even hoarding can turn a simple fire into a life‑threatening emergency. You’ll learn what typical household clutter and debris can cause fire. And you’ll see why excessive storage makes fires burn faster and hotter, how blocked pathways put both residents and first responders in danger, and what Ohioans can do if they’re worried about a loved one’s home. Our guests break down the warning signs, share what firefighters see on the ground, and offer practical, compassionate steps to help prevent tragedy. Whether your spring cleaning list is long or short, this conversation will show you how small changes can protect your home, your family, and your community.

In this episode, we explore how education, history, and financial empowerment shape Ohio communities. We highlight a special initiative connected to America 250 Ohio, celebrating our nation’s—and Ohio’s—250 years of contributions and progress. Financial education plays a crucial role in the Department’s mission to protect and empower Ohioans. When youth and families understand how to manage money responsibly, communities grow stronger and more resilient. That’s why Commerce is partnering with Roscoe Village for upcoming Homeschool Days this April, helping students and families build financial confidence for the future. For all of our financial resources visit: com.ohio.gov/consumers

National Consumer Protection Week 2026 is all about empowering Ohioans to make confident, informed decisions and stay safe from fraud. In this special series, experts from the Ohio Department of Commerce, the Ohio Attorney General’s Office, and the Better Business Bureau of Central Ohio break down today’s most common scams, share practical tips you can use right away, and highlight trusted resources to help protect your money, your identity, and your peace of mind. Tune in to learn how to spot red flags, report fraud, and stay one step ahead of scammers. For more resources and information visit com.ohio.gov/ConsumerProtection

The Ohio Department of Commerce is proud to celebrate a transformative year for its Division of Unclaimed Funds. In 2025, we launched a new, state-of-the-art system designed to streamline the way Ohioans claim unclaimed funds and how holders report those unclaimed funds. Akil Hardy, Superintendent of Ohio Unclaimed Funds and Outreach Manager Susie Wagner discuss how navigating a year of change has increased the number of Ohioans being reconnected with this unclaimed funds. Learn more by visiting: www.unclaimedfunds.ohio.gov

Are you thinking about a new career in 2026? Maybe you’ve considered becoming a real estate agent or exploring opportunities in the skilled trades. In this episode of Protecting What Matters, we discuss the essential steps you need to take before getting started—from licensing requirements to training programs and resources that canhelp you succeed. This podcast highlights some of the steps that Ohioans can take if they are interested in pursuing a career in either the real estate industry in Ohio or in a skilled trade.

Ohio winters can be brutal and staying warm is a must. But heating your home the wrong way can lead to tragedy. In this episode, we’ll talk about how to keep your home cozy without risking a fire. From space heaters to fireplaces and smoke alarms, we have practical tips to keep you and your family safe. Check out our free fire safety resource by visiting: com.ohio.gov/fire

Dry January. What is it and why do some people participate in it? In this episode of Protecting What Matters Ohio Liquor's Brian Hoyt and Ohio Division of Liquor Control Gregg Dodd discuss how many people use Dry January to reset their relationship with alcohol and share some social responsibility ideas and resources available to help those who need them. Learn more by visiting: https://www.ohlq.com/proof-positive

As Ohioans open their hearts and wallets to support charitable causes this holiday season, scammers are also on the lookout—ready to exploit that generosity. In this episode, we’re joined by experts from the Ohio Division of Financial Institutions, the Better Business Bureau of Central Ohio, and the Ohio Attorney General’s Office to share essential tips on how to give safely and confidently. Learn how to spot red flags, verify legitimate charities, and protect your money while making a meaningful impact. Resources:BBB Wise Giving AllianceOhio Attorney General’s Charitable Search Tool

We're preparing you for a stress-free season with Ohio's Holiday Budgeting Guide from the Department of Commerce! In this episode, our experts from the Division of Financial Institutions discuss practical tips to help Ohioans avoid holiday debt, manage spending, and protect their financesduring what is considered the most financially demanding time of year. Whether you're shopping for gifts or hosting familygatherings, this guide offers smart, simple strategies to stay on budget without sacrificing holiday joy.Learn more at com.ohio.gov/BudgetGuide

The new system for the Ohio Division of Unclaimed Funds makes it easier for businesses to report unclaimed funds. Learn why Ohio businesses need to report these funds, how the state processes them, and how you can search for money that might belong to you. Billions of dollars in unclaimed funds are waiting to be claimed by rightful owners. Visit unclaimedfunds.ohio.gov to search your name or a loved one's name to see if you have any Unclaimed Funds.

September is Suicide Prevention Awareness Month—a time to break the silence, reduce stigma, and offer support to those affected by mental health challenges. In this episode of Protecting What Matters, we shine a light on the undeserved risks faced by first responders in Ohio and across the nation. From firefighters and EMTs to law enforcement and dispatchers, these public safety professionals often carry invisible burdens.  First Responders’ Bridge Founder, Executive Director Mick Yinger, join us to discuss the realities of mental health in the field, share stories of resilience, and highlight necessary resources available to help those who protect us every day.

Breaking down the new Ohio Volunteer Firefighter Recruitment Portal and other efforts by the Ohio State Fire Marshal's office and the Ohio Fire Academy to help the volunteer fire service. Learn more by visiting com.ohio.gov/fire

Your safety is our top priority! Discover how Ohio’s Building Code and Elevator Inspectors work every day behind the scenes to protect you. In this episode of Protecting What Matters, experts from our Division of Industrial Compliance discuss the insights of our safety inspections and the importance of the work inspectors do to ensure every commercial building open to the public meets the highest safety standards. Learn more by visiting com.ohio.gov/dic

In this episode of Protecting What Matters, we discuss the Ohio Sales Tax Holiday and how to navigate the busy back-to-school season without breaking the bank. Our Division of Financial Institutions has you covered with smart budgeting tips, insights from Ohio retailers, and everything you need to know about Ohio’s two-week Sales Tax Holiday. For more information about the Ohio Sales Tax Holiday, visit:Ohio's 2025 Expanded Sales Tax Holiday | Department of TaxationExplore our free budgeting tools by visiting: Making a Budget Fit You | Ohio Department of Commerce

In this episode of Protecting What Matters, we discuss changes to the Ohio Housing Finance Agency (OHFA) homebuyers' programs to ensure the long-term availability of help for Ohioans to achieve their dreams of purchasing a home. The Ohio Division of Real Estate Superintendent Daphne Hawk and OHFA's Executive Director Bill Beagle speak about these important updates that took effect starting July 1, 2025.

In this episode of Protecting What Matters, we discuss bank regulations for starting a de novo bank in Ohio with the Ohio Division of Financial Institutions. We also chat with CEOs from both Fortuna Bank and Adelphi Bank about the application process, the importance of careful planning, and compliance with state and federal regulations when starting a new bank in Ohio.

Last year $28 billion was stolen from individuals over the age of 60 in a variety of financial scams and frauds originating both here in Ohio by perpetrators known by the victim, or elsewhere around the world. In this episode of Protecting What Matters, the Ohio Department ofCommerce will walk you through what these scams look like and how to keep your loved ones safe. 

The Division of Liquor Control launched the Ohio Permit and Licensing System (OPAL) — a cutting-edge digital portal that transforms the management of liquor permits in Ohio. The system will simplify the process for the nearly 40,000 individuals and businesses that hold or seek a liquor permit or another type of registration. Learn more by visiting com.ohio.gov/opal

In this episode of Protecting What Matters, we explore job opportunities within the construction trades and how Ohio is addressing the growing need forskilled workers in the industry. Megan Foley, Professional Development Coordinator with the Ohio Board of Building Standards, and Michael Baisden, Ohio Contracting Administrator with the Ohio Construction Industry Licensing Board, provide insights into the certification and licensing process, the value of adhering to proper building codes, and how these measures contribute to asafer Ohio. Tune in to explore the various resources and programs available to help you get started on your journey in the skilled trades.

It’s Alcohol Awareness Month. This podcast will highlight how the Ohio Department of Commerce Division of Liquor Control regulates alcohol in the state, how it partners with other external agencies to do so. In addition, it will highlight how the Division’s agency operations arm known as Ohio Liquor (OHLQ) embraces and promotes social responsibility given its role in owning and selling high-proof spirits in the state.

The Ohio Department of Commerce is excited to announce a new system for its Division of Unclaimed Funds. The new technology will improve efficiency in processing claims and holder reporting. Ohioans will be able to claim lost money directly on the department's website, and holders can report unclaimed funds directly onthe website. For more information, visit unclaimedfunds.ohio.gov

As technology rapidly advances, so do the tactics of scammers using social media and AI, making it essential for Ohio consumers to closely guard their personal and financial information. In this episode of Protecting What Matters, we collaborate with the Ohio Attorney General's Office to raise awareness and educate all listeners, so they don’t risk falling prey to these sophisticated frauds. Listen now for the top scams happening in our backyard and for guidance as wediscuss practical methods to avoid becoming a potential victim.

This podcast highlights how unknown individuals are targeting Ohio consumers via unsolicited communications, text messages, phone calls, emails, and letters to acquire their personal information or property for less than its worth. Our experts, Kenyetta Bagby from the Consumer Affairs section of the Division of Financial Institutions and Daphne Hawk, Superintendent from our Division of Real Estate and Professional Licensing, share valuable insights, resources, and tips for safeguarding yourself from these fraudulent practices.For more information visit: com.ohio.gov/ConsumerAffairs

In this important and timely episode, we discuss the topic of burn prevention and fire safety as we recognize Burn Awareness Week in Ohio. This year’s theme, "Burn Prevention Starts Where You Live," emphasizes the importance ofunderstanding and mitigating burn risks within your own home.Burn risks can exist in any living space, from houses to apartments, and may present themselves in various forms. However, by adopting a proactive approach and taking simple steps, you can significantly reduce the risk of burns and ensure the safety of your family. Join us as Fire Prevention Bureau Assistant Chief Paul Martin shares valuable insights and practical advice for Ohio consumers looking to maintain a fire-safe environment. From identifying potential hazards to implementing effective prevention measures, we'll cover everything you need to know to keep your loved ones protected. Listen now and help spread the word on fire safety in Ohio and together let's create safer homes and communities across Ohio. Stay Fire Safe, Ohio!

Are you looking to buy a new home? But more importantly, have you heard about the recent changes in Ohio real estate law? In the next episode of Protecting What Matters, the Ohio Department of Commerce helps homebuyers and sellers navigate the changes in buyer representation and how it can impact your search for that dream home.

In this episode of Protecting What Matters, Ohio Liquor talks about the concept of Dry January and how many people use it as an opportunity to reset their relationship with alcohol. We also dive into the important work of the Prevention Action Alliance and highlight other valuable resources that help individuals understand the importance of responsible alcohol consumption. Learn more about how you can make informed choices when it comes to alcohol by visiting www.OHLQ.com.

The Christmas holiday is a time for celebration and joy, but it’s also a time with increased fire risks. Listen and learn how you can protect your loved ones and home this holiday season. In this episode we're talking fire safety tips with Ohio State Fire Marshal Fire Prevention Bureau Chief Anita Metheny.

In this must-listen episode of Protecting What Matters, we discuss all of the great resources in our newly launched Holiday Gift Budgeting Guide from the Ohio Department of Commerce. Deputy Superintendent of the Division of Financial Institutions Rob Rutkowski shares examples of how you and your family can enjoy a festive holiday season with confidence and financial savvy.  There are also plenty of tips that will help you choose thoughtful, cost-effective gifts for your loved ones while instilling important budgeting skills in your children. Don’t miss out on this opportunity to make your holidays not only joyful but also more financially secure.

In this discussion, we'll educate the audience so they better understand the opportunities available to 16- and 17-year-old students through the Ohio Manufacturing and Construction Mentorship Program. This episode will inform Ohioans about the opportunities available to those who consider careers in the skilled trades – and it will highlight how the program works, what the benefits are tostudents, and how the program benefits employers who participate. It also will direct listeners to where they can learn more about the program, whether they are teens or employers. Learn more by visiting Com.ohio.gov/mentorship

In this discussion, we're educating Ohioans to better understand safety regulations in Ohio manufactured home communities. This episode will inform the Ohioans about the guidelines, regulations, and safety standards. Moreover, this is designed to encourage residents of these communities to notify authorities about any problems or damages, from severe weather, tornadoes or other incidents, and to prepare their homes for the winter season before the chilly weather arrives.

Join us for an informative episode of Protecting What Matters, where Division of Liquor Control Licensing Director Paul Kulwinski breaks down Ohio's wet anddry laws and the local option election process. In this episode, we comprehensively discuss how these laws impact your community.  Gain insights into how these decisions affect local businesses, economic development, and more. Tune in to understand how these laws shape our communities and your role in the local decision-making process.

Join us as we explore the innovative "Make Me a Firefighter" campaign aimed at boosting recruitment and support for the Ohio Volunteer Fire Service. We’ll discuss the rewards of being a volunteer firefighter, the impact of new initiatives, and how the upcoming 2024 Ohio Fire Marshal Festival is a free, family-friendly outreach opportunity to educate and celebrate efforts to shape the future of firefighting in Ohio. If you have the heart and drive to make a difference in your community, you can become a volunteer firefighter.No prior experience in emergency services is required — we provide training for you to become the local hero you were born to be. Get started at MakeMeAFirefighter.org.

In this episode of Protecting What Matters,  experts from our Division of Securities Enforcement Section talk about the cryptocurrency landscape. Our experts uncover ways to safeguard your investments and keep you informed with the latest safety protocols in the crypto markets. We explore the critical aspects of crypto safety through thelens of regulatory oversight and best practices for consumers. Make sure you listen to this episode before you start to invest!  Whether you're a beginner or a seasoned investor, stay informed about the latest in the world of crypto and risk management strategies to protect your assets.

Join us as we celebrate year three for Protecting What Matters. We’re talking about all things Ohio State Fair, from giveaways and how to win a prize. Plus, learn more about the Ohio Governor’s Imagination Library and how kids from birth to age 5 can get 1 free book each month. Get ready to immerse yourself in an exciting visit to the Commerce House! We invite you to join us at the Ohio State Fair, beginning on Wednesday, July 24 and running through August 4. The Commerce team is all set to engage and enlighten Ohio families across various areas of our work, offering valuable education, volunteer opportunities, and a chance to uncover treasures and delights.

In this episode, we discuss Ohio's new Building Standards codes for the Mechanical and Plumbing industries and what that means for Ohio's construction landscape. Join us as we talk with Board of Building Standards Chair Tim Galvinto discuss critical changes and share examples of how these regulations play a crucial role in our lives while providing valuable insight into the safety of Ohioans, businesses, and the construction industry. Click here to learn more about the 2024 Ohio Building Code Rules.

Join us in this educating episode as we delve into an important partnership between the Ohio Division of Real Estate and the Ohio Housing Finance Agency. Discover how this partnership benefits not only consumers seeking affordable housing solutions but also empowers real estate professionals with the resources and support they need to thrive in a competitive housing market. From innovative initiatives to collaborative efforts, shapingOhio's real estate landscape, explore how these agencies are working hand in hand to build a brighter future for communities across the state.Resources:Ohio's Home Buyers GuideOhio Housing Finance Agency

Exploring Ohio's DORA -  we invite listeners to into the world of Designated Outdoor Refreshment Areas (DORAs) just in time for summer. As warmer weather increases,we’re outdoors to dine, shop, and connect with our communities, at events and festivals throughout Ohio.  In this episode of Protecting What Matters, you understand the creation and evolution of DORAs and hear how they have become vibrant spaces in some communities. Tune in and discover how DORAs are not just about refreshment but also essential to the essence of community and outdoor enjoyment.

In this episode of Protecting What Matters, we’re helpingOhioans navigate the complex process of selecting the right mortgage lender and real estate professional. Whether you're a first-time homebuyer or a seasonedhomeowner, we provide invaluable insights and tips to help ensure you make informed decisions and have access to the resources you need to protect what matters most— with your finances and home. Experts from the Ohio Department of Commerce’s Division of Financial Institutions and Division of Real Estate and Professional Licensing provide important steps to help you both before and during your next home purchase. Check out our valuable resources by visiting: com.ohio.gov/Mortgageand com.ohio.gov/HomeBuyersGuide

In the spirit of spring, a season synonymous with renewal and tidying up, the Ohio Department of Commerce’s Division of State Fire Marshal's Fire Prevention Bureau reminds you that spring cleaning and fire safety go hand-in-hand. We’ll walk you through what you need to know as you clean up your home.  #Ohio #OhioCommerce#OhioFire #ProtectingWhatMatters #NewPodcast #Podcast #FireSafety

Financial fraud and identity theft continues to be a pressing issue for consumers across the country and here in Ohio. In this episode, we break down the Federal TradeCommission Consumer Sentinel Network Report, revealing the shocking reality that consumers nationwide lost an alarming $10 billion to fraud in 2023. Ohio ranked 26th in the country, with $154 million in losses to Ohioans last year. The Ohio Department of Commerce’s Division of Financial Institutions Office of Consumer Affairs Program Administrator, Viktoria Jurkovic, sheds light on these alarming trends and provides consumers, like you, with the resources and tools essential in making smart financial decisions. Check out some of our free consumer resources by visiting: com.ohio.gov/consumers

The Ohio Department of Commerce produced this episode for National Consumer Protection Week, but the tips and educational content are good for you and your family year-round! Assistant Director Charity Robl explains all the different ways we protect Ohio’s consumers, help them make more confident decisions, and take decisive action in many areas of their life

Ohio’s Division of Unclaimed Funds Claims Examiner, Supervisor Anitra Davis, answers frequently asked questions about finding, filing, and claiming your missing money. Hear testimonials from other Ohioans about their experience with claiming unclaimed funds. The Commerce Department’s Division of Unclaimed Funds is holding almost $4 billion in unclaimed funds waiting to be claimed. Part of this stash could be yours. Visit unclaimedfunds.ohio.gov to search and see if you have unclaimed funds today!

Business owners and consumers around the state of Ohio have questions about the Division of Cannabis Control’s first set of proposed rules. In this episode of Protecting What Matters, we sit down with Superintendent Jim Canepa and the division’s chief counsel Andrew Makoski to talk through who can receive licenses, the timeline for awarding licenses, and why it remains a benefit to be a medical marijuana patient. For more information on this new division within Commerce, please visit our FAQ.

We explore Ohio's Video Service Authorization Program in this podcast, you’ll discover what we do for cable customers who are having issues with their cable providers.Linda Pausch, our program administrator, shares when we can help consumers, how to contact us and the step-by-step process of filing a complaint. Learn more by visiting, com.ohio.gov/vsa

Whether you're a business owner seeking certification or an everyday Ohioan curious about how safety standards are upheld in our state, the Bureau of Testing and Registration is your go-to resource. With a commitment to transparency, efficiency, and above all, the safety of Ohioans, the Bureau works tirelessly to make its services easily understandable and reachable for all.

On January 1, 2024, Ohio’s minimum wage will increase to $10.45 for non-tipped employees and $5.25 for tipped employees. In this episode, our Bureau of Wage and Hour Chief Steve Clegg talks about how the minimum is set year-to-year, what employees and businesses need to know as it increases, and how the Bureau of Wage and Hour works to ensure Ohioans are paid for the hours that they work. For more information, please visit https://com.ohio.gov/divisions-and-programs/industrial-compliance/wage-and-hour