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State consumer-law reference center

Oregon

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Section inventory22 entries
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State law changes and varies by facts. Only source-checked inventories appear below. “Research pending” is not legal guidance and never means DJC may market, enroll, contract, bill, or provide a regulated service in this jurisdiction.
State statute inventory

Consumer-protection authorities under review

22 section entries
2026 change review required

Oregon Unlawful Trade Practices Act

Or. Rev. Stat. §§ 646.605–646.656

The active section inventory was checked against Oregon’s official 2025 Chapter 646 publication. Oregon flags this chapter for 2026 amendments or repeals, so every provision requires a current-session change review before reliance. Repealed or renumbered intervening sections are not presented as active law.

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Or. Rev. Stat. § 646.605

Definitions

Defines key terms for Oregon’s Unlawful Trade Practices Act and related education provisions.

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Or. Rev. Stat. § 646.607

Unlawful business and trade practices

Identifies specified unconscionable conduct, nondelivery, and other unlawful practices.

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Or. Rev. Stat. § 646.608

Additional unlawful business and trade practices

Lists numerous prohibited representations and practices and addresses proof and Attorney General rules.

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Or. Rev. Stat. § 646.609

Pyramid club and investment defined

Defines pyramid-club concepts used in the Act’s prohibition framework.

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Or. Rev. Stat. § 646.611

Telephone and door-to-door seller information

Requires specified identifying information to be given to potential customers.

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Or. Rev. Stat. § 646.612

Application of ORS 646.607 and 646.608

Explains when the Act’s principal unlawful-practice provisions apply.

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Or. Rev. Stat. § 646.618

Investigative demand — Petition to modify

Authorizes investigative demands and provides a procedure to extend, modify, or set them aside.

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Or. Rev. Stat. § 646.626

Failure to obey investigative demand

Provides court enforcement and contempt consequences for noncompliance.

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Or. Rev. Stat. § 646.632

Injunctions and voluntary compliance

Authorizes public injunctions, assurances of voluntary compliance, restitution terms, and attorney fees.

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Or. Rev. Stat. § 646.633

State-regulated lender enforcement limitation

Restricts prosecuting-attorney action involving specified lenders without a regulator request.

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Or. Rev. Stat. § 646.636

Remedial power of court

Allows orders restoring money or property and ensuring unlawful practices stop.

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Or. Rev. Stat. § 646.638

Private civil actions

Addresses damages, attorney fees, limitations, counterclaims, and class actions; review current text before filing.

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Or. Rev. Stat. § 646.641

Civil action for unlawful collection practice

Provides private remedies, fees, and a limitations rule for unlawful collection practices.

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Or. Rev. Stat. § 646.642

Civil penalties

Provides public civil penalties for willful violations and specified enforcement orders.

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Or. Rev. Stat. § 646.644

Free offers

Requires clear disclosures and affirmative consent before a free offer creates a financial obligation.

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Or. Rev. Stat. § 646.646

Loss of license or franchise

Allows suspension, forfeiture, or dissolution after violation of an injunction.

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Or. Rev. Stat. § 646.647

Unlawful use of recording-group name

Restricts deceptive use of a recording group’s name and identifies exceptions.

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Or. Rev. Stat. § 646.652

District-attorney reports

Requires reports to the Attorney General and filing of voluntary-compliance assurances.

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Research map

Oregon consumer-credit categories

Research pending

Credit services and credit repair organizations

Licensing, registration, bonding, contracts, fees, cancellation, advertising, and prohibited practices.

What the legal reviewer checks
  • Covered-service definitions
  • License or registration requirements
  • Contract and disclosure language
  • Fee and cancellation restrictions
  • Advertising and prohibited practices
Research pending

Debt collection

State collection-agency licensing, prohibited conduct, validation-related rules, remedies, and regulator contacts.

What the legal reviewer checks
  • Collector and agency definitions
  • Licensing and exemptions
  • Communication and conduct restrictions
  • Civil remedies and enforcement
  • Complaint channels
Research pending

Consumer reporting and security freezes

State credit-reporting duties, freezes, protected-consumer freezes, identity-theft blocks, and remedies.

What the legal reviewer checks
  • Freeze placement and lifting
  • Fees and timing
  • Protected consumers
  • Identity-theft procedures
  • Enforcement and remedies
Authority identified

Identity theft, data breach, and privacy

Identity-theft crimes and recovery tools, breach notices, personal-information safeguards, and privacy rights.

  • Or. Rev. Stat. §§ 646.605–646.656
What the legal reviewer checks
  • Breach notice triggers and timing
  • Covered personal information
  • Security safeguards
  • Identity-theft reports and blocks
  • Attorney-general enforcement
Research pending

Garnishment and judgment protections

State exemptions, disposable-earnings limits, court procedures, bank-account protections, and employer duties.

What the legal reviewer checks
  • Wage and bank exemptions
  • Debt-specific limits
  • Claim-of-exemption procedure
  • Notice and hearing deadlines
  • Employer restrictions
Research pending

Repossession and deficiency balances

Notice, cure, repossession conduct, sale, accounting, redemption, and deficiency rules.

What the legal reviewer checks
  • Right-to-cure notices
  • Repossession restrictions
  • Sale notice and commercial reasonableness
  • Redemption
  • Deficiency accounting and defenses
Research pending

Small-dollar and consumer lending

Licensing, rates, fees, payment plans, disclosures, collection practices, and complaint resources.

What the legal reviewer checks
  • Covered loan definitions
  • License requirements
  • Rate and fee limits
  • Rollover or payment-plan rules
  • Enforcement
Research pending

Mortgage, housing, and auto finance

Servicing, foreclosure, homeowner, dealer-finance, motor-vehicle-sales, and related protections.

What the legal reviewer checks
  • Mortgage servicing and foreclosure
  • Homeowner notices and assistance
  • Dealer and sales-finance licensing
  • Auto disclosures
  • Complaints and remedies
Research pending

Medical and utility debt

Billing, collection, charity-care, utility termination, deposit, and payment-plan rules.

What the legal reviewer checks
  • Hospital and medical billing
  • Charity-care disclosures
  • Utility shutoff protections
  • Deposits and payment plans
  • Complaint agencies
Research pending

Military and veteran protections

State protections that may supplement federal servicemember and military-lending laws.

What the legal reviewer checks
  • State active-duty coverage
  • Interest or collection protections
  • Lease and contract rules
  • Court stays
  • Military legal-assistance contacts

Need information before review is complete?

Use the official state source, state attorney general, financial regulator, or legal-aid provider. Confirm current effective dates and amendments before relying on a section.

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