THE STATE EX REL. FAIR HOUSING OPPORTUNITIES OF NORTHWEST OHIO, D.B.A. FAIR HOUSING CENTER, APPELLEE AND CROSS-APPELLANT, v. OHIO FAIR PLAN, APPELLANT AND CROSS-APPELLEE.
No. 2022-0244
Supreme Court of Ohio
Submitted March 22, 2023—Decided August 3, 2023.
172 Ohio St.3d 149, 2023-Ohio-2667
DONNELLY, J.
Public records—R.C. 149.43 and 149.011—R.C. 3929.43—The Ohio Fair Plan Underwriting Association is a “public office” subject to the Ohio Public Records Act—Court of appeals’ judgment affirmed. APPEAL and CROSS-APPEAL from the Court of Appeals for Franklin County, No. 20AP-351, 2022-Ohio-385.
DONNELLY, J.
{¶ 1} Appellant and cross-appellee, the Ohio Fair Plan Underwriting Association (“OFP”), appeals the judgment of the Tenth District Court of Appeals granting a writ of mandamus ordering OFP to provide documents in response to the public-records request of appellee and cross-appellant, Fair Housing Opportunities of Northwest Ohio, d.b.a. the Fair Housing Center (“Fair Housing”). Fair Housing has cross-appealed the portion of the court of appeals’ judgment denying it statutory damages and attorney fees. We affirm the court of appeals’ judgment in all respects.
I. FACTUAL AND PROCEDURAL BACKGROUND
A. OFP
{¶ 2} OFP is an association created under
{¶ 3} OFP is governed by a 12-member board of governors. Four members are appointed by the governor of Ohio with the advice and consent of the Senate to serve two-year terms.
{¶ 4} The Ohio superintendent of insurance supervises OFP.
shall provide for economical, fair, and nondiscriminatory administration of a program for the equitable apportionment among members of basic property insurance or homeowners insurance which may be afforded in urban areas to applicants whose property is insurable in accordance with reasonable underwriting standards, but who are unable to procure such insurance through normal channels.
Id. OFP’s approved plan of oрeration and any amendments thereto are codified in the Ohio Administrative Code. See id.;
{¶ 5} Under
{¶ 6} Any person or insurer “aggrieved by any action or decision” of OFP may appeal to OFP’s board of governors.
B. Fair Housing’s Public-Records Request
{¶ 7} In a letter dated April 9, 2020, Fair Housing made a public-records request to OFP by certified mail, seeking:
- A complete copy of every underwriting standard (sometimes referred to as “underwriting guidelines”) that [OFP] has used since 1999.
- A list of every address that has received insurance through [OFP] since 2015. * * *
- A list of every address that [OFP] rejected for insurance coverage since 2015. * * *
- Any records explaining, detailing, providing guidance on the meaning of, or stating why [OFP] adopted the underwriting criteria of “Dwelling structure must have coverage equal to or greater than Insurance Serviсes Office’s rating minimum * * *.” * * *
- Any records explaining, detailing, or providing guidance on the meaning of, or stating why [OFP] adopted the underwriting
criteria of “Dwelling structure coverage carried must be at least 50% of the replacement cost.”
(Third ellipsis sic.)
{¶ 8} In a letter dated April 20, OFP responded to Fair Housing’s request, stating that OFP is “not a public agency and thus [is] not subject to public records requests.” OFP further stated that disclosure of the information requested by Fair Housing “may violate [OFP’s] customer/client privaсy rights.” OFP nonetheless offered to discuss with Fair Housing ways that OFP could accommodate the request. OFP subsequently sent additional letters to Fair Housing, explaining that OFP is excluded from the statutory definition of “public agency” in
{¶ 9} Fair Housing commenced this action in the Tenth Distriсt Court of Appeals on July 10, 2020, seeking a writ of mandamus ordering OFP to provide records responsive to the April 9 public-records request. Fair Housing also sought awards of statutory damages and attorney fees under
{¶ 10} The court of appeals unanimously overruled OFP’s objections to the magistrate’s decision. 2022-Ohio-385, 184 N.E.3d 952, ¶ 11. It found that OFP is a “public office” subject to the Public Records Act, in part because “OFP and its board of governors, and its purpose, operation, and regulation thereof, were specifically established by the Ohio legislature [in]
{¶ 11} OFP appealed the court of appeals’ judgment granting a writ of mandamus ordering OFP to provide records in response to Fair Housing’s April 2020 public-records request. Fair Housing cross-appealed the portion of the judgment denying statutory damages and attorney fees.
II. ANALYSIS
A. OFP’s Appeal
{¶ 12} Mandamus is the appropriate remedy to compel compliance with Ohio’s Public Records Act,
{¶ 13}
1. OFP Is a “Public Office”
{¶ 14} Under a straightforward reading of
{¶ 15} OFP argues that it cannot be a public office subject to the Public Records Act because it “does not perform a governmental function.” OFP contends that its function is to provide homeowners’ insurance and basic property insurance, which, it notes, this court has found not to be a historically governmental function. See State ex rel. Bell v. Brooks, 130 Ohio St.3d 87, 2011-Ohio-4897, 955 N.E.2d 987, ¶ 22, quoting the court of appeals’ opinion in that case (insurance “ ‘has traditionally been provided by private entities’ ”). And, OFP argues, because Ohio’s private insurers are not subject to the Public Records Act, it also should not be subject to the law.
{¶ 16} OFP’s reliance on Bell is inapposite. We applied a functional-equivalency test in Bell because the joint self-insurance pool at issue there was a private entity, but OFP was established by the General Assembly in
{¶ 17} The fact that providing insurance is not a “historically governmental function,” Bell at ¶ 22, does not undercut OFP’s status as a public office. An entity does not have to perform a historically governmental function to be a “public office” under
{¶ 18} That OFP performs a “function of government” is further supported by the appeal and judicial-review scheme created by the General Assembly in
{¶ 19} Moreover,
There shall be no liability on the part of, and no cause of action of any nature shall arise against any insurer, inspection bureau, or the Ohio fair plan underwriting association, or a director, agent, or employee of any of these, or the superintendent of insurance or his authorized representatives, for any inspections undertaken or statements made by any of them concerning the property to be insured, or any acts or omissions in connection therewith. Any reports and communications in connection therewith are not public documents.
{¶ 20} The General Assembly excepted a specific category of documents—reports and communications relating to inspections undertaken or statements made about a property to be insurеd—from the meaning of “public documents.” Accordingly, these records are not subject to disclosure under the Public Records Act. See
2. OFP’s Exemption from the Definition of “State Agency” in the Sunset-Review Law Is of No Significance
{¶ 21} OFP contends that the General Assembly specifically excluded it from the definition of “agency” in the sunset-review law,
{¶ 22} Accordingly, OFP’s argument that it is not an “agenсy” under
3. Other States’ Cases Do Not Inform the Interpretation of Ohio Law
{¶ 23} OFP also argues that courts in other states that have similar fair-access-to-insurance plans or guaranty associations have held that such entities are not state agencies subject to those states’ public-records laws. None of the cases cited by OFP, however, involved statutes that define “public office” in the same way as the General Assembly has in
{¶ 24} OFP cites Minnesota Joint Underwriting Assn. v. Star Tribune Media Co., 862 N.W.2d 62 (Minn.2015), Property Ins. Assn. of Louisiana v. Theriot, 31 So.3d 1012 (La.2010), Boettcher v. Montana Guar. Fund, 332 Mont. 279, 2006 MT 127, 140 P.3d 474, Al Boenker Ins. Agency, Inc. v. Texas Fair Plan Assn., Tex.App. No. 03-04-00050-CV, 2004 WL 1686598 (July 29, 2004), and Greenfield v. Pennsylvania Ins. Guar. Assn., 24 Pa.Commw. 127, 353 A.2d 918 (1976), as cases in which courts in other states have found that their states’ fair-access-to-insurance plans were not state agencies. These cases do not inform the issue here, because regardless of whether OFP is considered a state agency, it is a public office within the meaning of
4. 2023 Am.Sub.H.B. No. 45 Does Not Change the Result
{¶ 25} After the merit briefing closed in this case, both parties submitted as supplemental authority 2023 Am.Sub.H.B. No. 45 (“H.B. 45”), which was signed into law by the governor on January 6, 2023. Under H.B. 45, effective April 7, 2023, newly enacted
(1) Except as provided in division (J)(2) of this section, records created, held by, or pertaining to [OFP] are not public records under section 149.43 of the Revised Code, are confidential, and are not subject to inspection or disclosure.
(2) Division (J)(1) of this section does not apply to the plan of operation аnd other information required to be filed with the superintendent under this chapter unless otherwise prohibited from release by law.
{¶ 26} OFP calls the court’s attention only to
{¶ 27} The supplemental authority does not support OFP’s arguments for reversal, principally because the law was not in еffect at the time of Fair Housing’s public-records request. Moreover, H.B. 45 does not state an intention to clarify existing law. See State ex rel. Cincinnati Enquirer v. Jones-Kelley, 118 Ohio St.3d 81, 2008-Ohio-1770, 886 N.E.2d 206, ¶ 49, fn. 2. Even if we assume that
{¶ 28} If anything, the supplemental authority cuts against OFP’s argument that it is not a public office for purposes of the Public Records Act. The General Assembly’s prospective enactment of a law stating that OFP’s records, subject to
{¶ 29} Under
B. Fair Housing’s Cross-Appeal
{¶ 30} Fair Housing has cross-appealed the portion of the court of appeals’ judgment denying its recovery of statutory damages under
1. Statutory Damages
{¶ 31} Under
{¶ 32} Fair Housing submitted its April 2020 request by certified mail, qualifying it for statutory damages. OFP does not argue that Fair Housing’s request failed to fairly describe the records sought. Further, the parties do not dispute that OFP has not provided all the requested records. The issue, therefore, is whether the court of appeals properly declined to award statutory damages based on
The court may reduce an award of statutory damages or not award statutory damages if the court determines both of the following:
(a) That * * * a well-informed public office or person responsible for the requested public records reasonably would believe that the conduct or threatened conduct of the public office or person responsible fоr the requested public records did not constitute a failure to comply with an obligation in accordance with division (B) of this section;
(b) That a well-informed public office or person responsible for the requested public records reasonably would believe that the conduct or threatened conduct of the public office or person responsible for the requested public records would serve the public policy that underlies the authоrity that is asserted as permitting that conduct or threatened conduct.
{¶ 33} The court of appeals found that statutory damages are unwarranted here because of (1) the “ ‘prompt and cooperative nature of OFP’s response’ ” to Fair Housing’s request and (2) OFP’s public-office status under Ohio law being a matter of first impression. 2022-Ohio-385, 184 N.E.3d 952, at ¶ 29, quoting the magistrate’s decision. The first rationale is irrelevant because OFP’s being “prompt and cooperative” in denying a vаlid public-records request informs neither of the two prongs set forth in
{¶ 34} The second reason given—OFP’s status as a public office being a matter of first impression—cuts against awarding statutory damages. Though OFP was statutorily created, its membership consists of private insurance companies and its function—providing insurance—had previously been found by this court (albeit with regard to a different entity) to bе a private one that was not historically governmental. See Bell, 130 Ohio St.3d 87, 2011-Ohio-4897, 955 N.E.2d 987, at ¶ 22. OFP could reasonably believe that its customers and member insurers were entitled to the same protection and security in their records and data as insureds and insurers in the private sector. The court of appeals therefore did not err in finding that the
2. Attorney Fees
{¶ 35} Under
{¶ 36} Similar to the statutory-damages inquiry, a court shall not award attorney fees if it determines that (1) based on the law as it existed at the time of the denied public-records request, a well-informed public office would have reasonably believed that
III. CONCLUSION
{¶ 37} For the foregoing reasons, the Tenth District Court of Appeals correctly determined that OFP is a public office subject to the Public Records Act and that Fair Housing is not entitled to awards of statutory damages or attorney fees. We therefore affirm the court of appeals’ judgment.
Judgment affirmed.
FISCHER, DEWINE, STEWART, BRUNNER, and DETERS, JJ., concur.
KENNEDY, C.J., concurs in judgment only.
George Thomas, for appellee and cross-appellant.
Crabbe, Brown & James, L.L.P., Larry H. James, and Christopher R. Green, for appellant and cross-appellee.
Community Legal Aid Services, Inc., Andrew D. Neuhauser, Gregory R. Sain, and Joshuа L. Hinkel, urging affirmance for amicus curiae Community Legal Aid Services, Inc.
Advocates for Basic Legal Equality, Inc., Michael Loudenslager, Chelsea Kemper, and Heather L. Hall, urging affirmance for amicus curiae Advocates for Basic Legal Equality, Inc.
Legal Aid of Western Ohio, Inc., and Kevin Mulder, urging affirmance for amicus curiae Legal Aid of Western Ohio, Inc.
Legal Aid Society of Cleveland and Thomas Mlakar, urging affirmance for amicus curiae Legal Aid Society of Cleveland.
Legal Aid Society of Columbus, Melissa Lenz, Thomas Pope, and Benjamin Horne, urging affirmance for amicus curiae Legal Aid Society of Columbus.
Legal Aid Society of Southwest Ohio, L.L.C., and John E. Schrider Jr., urging affirmance for amicus curiae Legal Aid Society of Southwest Ohio, L.L.C.
Southeastern Ohio Legal Services and Kristen Finzel Lewis, urging
