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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)
 
Q4-2024
Q1-2025
Q2-2025
Q3-2025
Q4-2025
Banking12
12129
15
Check Casher0
0
0
1
0
Collection Agencies
48
4
11
4
Consumer Finance19
15
8
25
13
Credit Services
0
0
1
1
0
Credit Union
384852
53
59
Debt Buyer
0
2
0
0
0
Debt Management Service Providers41
2
3
6
Insurance779
857
812
869
935
Manufactured Structure Dealer21202
Money Transmitters25 18
22
31
10
Mortgage Banker/Broker4
5
10 12
11
Mortgage Servicer
44 55
48
43
40
Other52
2
1
0
Pawn Broker
02
2
20
Payday Loans
0
1
100
Pre Need
0
1 0
0
1
Securities11
23
28
16
11
Student Loan15
31
42
32
23
Title Loans0
0
0
1
0
Virtual Currency
0
0
2
11
9
Not Reg By DFR - All Other45
56
53
48
50
Not Reg By DFR - Banking817
13
3
10
Not Reg By DFR - Credit Unions2
4
4
5
1
Not Reg By DFR - Insurance231
265
245
243
254
Total:1,248
1,424
1,365
1,420
1,454
Recoveries
Q4-2024 Q1-2025 Q2-2025 Q3-2025 Q4-2025
$2,344,750
$2,749,854
$1,275,220
$1,896,325
$1,118,375

*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: