All Roll Calls
Yes: 105 • No: 111
OregonHB 41162026 Regular SessionHouse
Relating to consumer finance loans; and prescribing an effective date.
Sponsored By: Ben Bowman (Democratic), Courtney Neron Misslin (Democratic), Deb Patterson (Democratic), Floyd Prozanski (Democratic), Jeff Golden (Democratic), Lamar Wise (Democratic), Nathan Sosa (Democratic), Tom Andersen (Democratic), Wlnsvey Campos (Democratic)
Signed by Governor
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Bill Overview
Analyzed Economic Effects
2 provisions identified: 1 benefits, 1 costs, 0 mixed.
Broader loan protections for Oregon borrowers
Oregon’s consumer finance rules cover lenders, agents, brokers, and facilitators handling loans of $50,000 or less for Oregon residents. Borrowers must live or maintain their permanent home in Oregon. Coverage applies when borrowers negotiate, agree to, or sign the loan while physically in Oregon, including online or by phone. It also applies when they pay by debiting an Oregon bank or trust company account, or using a check drawn on one. The law excludes section 521 amendments in the 1980 federal banking deregulation law from consumer finance loans made in Oregon. It preserves lenders’ rights under other lending laws when they comply with those laws. Loans made or payable elsewhere and lawful there generally remain unaffected, except where these Oregon coverage rules apply. These provisions do not set a specific interest rate.
More checks for consumer lender applicants
Consumer loan license applicants, including partnerships and corporations, must provide applicant details, business addresses, and a national licensing registry identifier. They must submit fingerprints for criminal background checks and a summary of personal history and experience. Applicants must also authorize access to credit reports and information about government proceedings. Oregon’s consumer finance director or the licensing registry can require more information.
Sponsors & Cosponsors
Sponsors
Ben Bowman
Democratic • House
Courtney Neron Misslin
Democratic • Senate
Deb Patterson
Democratic • Senate
Floyd Prozanski
Democratic • Senate
Jeff Golden
Democratic • Senate
Lamar Wise
Democratic • House
Nathan Sosa
Democratic • House
Tom Andersen
Democratic • House
Wlnsvey Campos
Democratic • Senate
Cosponsors
David Gomberg
Democratic • House
Farrah Chaichi
Democratic • House
Janeen Sollman
Democratic • Senate
Jules Walters
Democratic • House
Kayse Jama
Democratic • Senate
Ken Helm
Democratic • House
Khanh Pham
Democratic • Senate
Lesly Muñoz
Democratic • House
Lew Frederick
Democratic • Senate
Mark Gamba
Democratic • House
Nancy Nathanson
Democratic • House
Susan McLain
Democratic • House
Thuy Tran
Democratic • House
Travis Nelson
Democratic • House
Zach Hudson
Democratic • House
Roll Call Votes
Senate vote • 3/5/2026
Motion to refer to Committee on Rules failed.
Yes: 12 • No: 17
Senate vote • 3/5/2026
Motion to substitute Minority Report for Committee Report failed.
Yes: 12 • No: 18
Senate vote • 3/5/2026
Third reading. Carried by Neron Misslin, Campos. Passed.
Yes: 16 • No: 13
Senate vote • 2/25/2026
Labor and Business: Heard and Reported Out
Yes: 3 • No: 2
House vote • 2/17/2026
Motion to substitute Minority Report for Committee Report failed.
Yes: 25 • No: 33
House vote • 2/17/2026
Third reading. Carried by Sosa. Passed.
Yes: 31 • No: 24
House vote • 2/10/2026
Commerce and Consumer Protection: Heard and Reported Out
Yes: 6 • No: 4
Actions Timeline
Chapter 113, (2026 Laws): Effective date June 5, 2026.
4/13/2026HouseGovernor signed.
4/7/2026HousePresident signed.
3/6/2026SenateSpeaker signed.
3/6/2026HouseMcLane, granted unanimous consent to change vote to nay.
3/5/2026SenateThird reading. Carried by Neron Misslin, Campos. Passed.
3/5/2026SenateMotion to refer to Committee on Rules failed.
3/5/2026SenateMotion to substitute Minority Report for Committee Report failed.
3/5/2026SenateSecond reading.
3/4/2026SenateMinority Recommendation: Do pass with amendments. (Printed A-Eng. Minority)
3/3/2026SenateRecommendation: Do pass.
3/3/2026SenatePublic Hearing and Work Session held.
2/25/2026SenatePublic Hearing held.
2/23/2026SenateReferred to Labor and Business.
2/19/2026SenateFirst reading. Referred to President's desk.
2/19/2026SenateVote explanation(s) filed by Levy E, Nguyen D.
2/17/2026HouseThird reading. Carried by Sosa. Passed.
2/17/2026HouseMotion to substitute Minority Report for Committee Report failed.
2/17/2026HouseSecond reading.
2/16/2026HouseMinority Recommendation: Do pass with amendments and be printed A-Engrossed.
2/13/2026HouseRecommendation: Do pass.
2/13/2026HouseWork Session held.
2/10/2026HousePublic Hearing held.
2/3/2026HouseReferred to Commerce and Consumer Protection.
2/2/2026HouseFirst reading. Referred to Speaker's desk.
2/2/2026House
Bill Text
SLB Amendment -3 (Proposed)
2/25/2026
SLB Amendment -MR4 (Proposed)
2/25/2026
HCCP Amendment -1 (Proposed)
2/10/2026
HCCP Amendment -MR2 (Proposed)
2/10/2026
HCCP Amendment -1 (Proposed)
2/5/2026
Enrolled
House Minority Amendments to Introduced
Introduced
Minority Report #2 to A-Engrossed
Minority Report A-Engrossed
Senate Minority Amendments to Introduced
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