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Consumer advocacy

Consumer Advocacy handles complaints and questions from Oregon consumers who are experiencing difficulties with entities regulated by the division. Advocates use their extensive industry knowledge to analyze and resolve complex issues. Consumers sometimes bring issues that are outside of DFR regulation; Consumer Advocacy is often able to refer them to the appropriate regulator.

In 2024 the team handled 5,445 complaints, 17,836 phone calls and e-mails. $8,964,423 in benefits was recovered* for Oregon consumers.

Consumer Advocacy focuses on getting results for individual consumers but also serves as the front line for observing and documenting industry behavior. If the advocate determines there is a violation of the law or questionable business practice, the complaint file is referred to Market Regulation, Investigations, or Enforcement.

Phone:
888-877-4894 (toll-free)

Insurance email:
DFR.InsuranceHelp@dcbs.oregon.gov

Financial services email:
DFR.FinancialServicesHelp@dcbsoregon.gov

Hours of operation:
8 a.m. to 5 p.m.

Address:
350 Winter Street NE
P.O. Box 14480
Salem, OR 97309-0405


>
Complaints (Opened Quarterly)

Q3-2024
Q4-2024
Q1-2025
Q2-2025
Q3-2025
Banking5
12
12129
Check Casher0
0
1
0
1
Collection Agencies
548
4
10
Consumer Finance15
19
15
8
26
Credit Services
0
0
0
1
1
Credit Union
41
384853
53
Debt Buyer
2
0
2
0
0
Debt Management Service Providers3
41
2
3
Insurance851
779
858
831
890
Manufactured Structure Dealer1
2120
Money Transmitters28
25 18
22
31
Mortgage Banker/Broker11
4
5
10 12
Mortgage Servicer
40
44 55
53
44
Other052
2
1
Pawn Broker
202
2
2
Payday Loans
0
0
1
10
Pre Need
0
0
1 0
0
Securities15
11
23
24
15
Student Loan16
15
31
42
32
Title Loans0
0
0
0
1
Virtual Currency
0
0
0
2
11
Not Reg By DFR - All Other66
45
56
53
48
Not Reg By DFR - Banking7817
13
3
Not Reg By DFR - Credit Unions4
2
4
4
5
Not Reg By DFR - Insurance261
231
265
226
224
Total:1,373
1,248
1,426
1,367
1,422
Recoveries
Q3-2024
Q4-2024 Q1-2025 Q2-2025 Q3-2025

$1,595,854
$2,344,750
$2,577,256$1,245,430
$1,836,127

*Financial benefit, reported as a monetary amount, DFR is able to achieve for consumers and businesses through a process other than an administrative action that results in an enforcement order.

Insurance industry

Complaint compare search tool

Use our complaint comparison tool to check complaint history for Insurers by selecting the type of insurance from the list, then selecting Insurers of interest to compare.

Complaint compare search tool

​​​​​​ Complaint data  (all insurers)

Below is a list of complaints Oregon consumers filed by type in the following years: