Oregon Consumers are Protected
Oregon has one of the strongest consumer protection laws in the country.
Insurance companies are already held accountable under rigorous oversight by the Oregon Department of Consumer and Business Services (DCBS). Insurers are required to treat their policyholders fairly and settle covered claims in a timely manner. Should a problem arise, consumers already have the power to seek recourse in a court of law or through the Oregon Division of Financial Regulation and can even ask the agency to impose sanctions and recover restitution through DCBS if an insurer violates the state Insurance Code.
In 2013, Oregon passed SB 414, which allows DCBS to directly pursue restitution for any damages a consumer suffers if an insurer violates the state Insurance Code. This is a fast, fair, and affordable way to protect consumers.
The agency recovered nearly $6 million for Oregon consumers in 2025 alone.
New Legislation Would Cost Oregon Taxpayers
HB 4098 will open the door to frivolous lawsuits and turn the state’s investigative arm into a tool for personal injury lawyers – not everyday Oregonians. At a time when Oregonians are being pinched by the high cost of living and the state is facing severe budget challenges, the Legislature should reject this legislation.
