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Consumer advocacy, market regulation, and enforcement

Consumer advocacy, market regulation, and enforcement

One of the ways the Division of Financial Regulation protects consumers is through the Consumer Advocacy, Market Regulation, and Enforcement teams. These teams work together to ensure a safe, fair, well-regulated insurance market.

Consumer Advocacy focuses on getting results for individual consumers and also serves as the front line for observing and documenting industry behavior.

Market Regulation and Investigations review insurance issues referred from Consumer Advocacy and other sources to ensure compliance with Oregon Insurance law and policies held by consumers.

Enforcement pursues administrative action against individuals and companies that have violated the Oregon Insurance Code, as well as the other industries regulated by DFR. Enforcement has a variety of tools to address misconduct, including fines, licensing action, and in some cases referrals to prosecutors for criminal action.

Recoveries and Penalties - 2022

Complaint Recoveries$8,260,453
Market Analysis and Investigation Recoveries$372,892
Enforcement Civil Penalties and Restitution$3,147,375

*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.

Consumer complaints received by the program area for 2022

Total recoveries in 2022: $8,633,345

2022 Complaint data

​​​​​Program Area
Cases Opened
Unregulated - Insurance666
Mortgage Servicers231
Credit Unions131
Unregulated - All Other
Money Transmitters89
Securities 67
Unregulated - Banks 58
Consumer Finance 51
Mortgage Banker/Broker 51
Banking 26
Student Loan 21
Collection Agencies 16
Unregulated - Credit Unions 14
Debt Mgmt Service Providers 12
Manufactured Structure Dealer 12
Payday Loans 3
Debt Buyer 1
Endowment Care Cemeteries1
Title Loans1
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