What otc (over the counter) products would you suggest to tone and lighten skin without using harsh chemicals that are bad for the skin?

Prevent tanning: The only natural way to lighten skin is to avoid sun exposure. The down side is that people who avoid sun exposure will lack enough vitamin d, so have to take supplements which are sold everywhere. Many women use skin or facial moisturizers which contain sunscreen. Some also wear wide-brimmed hats and a few wear tinted plastic face shades when in a car (but they may not see as well when driving!).