Skip to main content

Oregon State Flag An official website of the State of Oregon »

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 - 2023

Complaint Recoveries$8,753,919
Market Analysis and Investigation Recoveries$3,696,952
Enforcement Civil Penalties and Restitution$3,223,325

*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 2023

Total recoveries in 2023: $12,322,700

2023 Complaint data

​​​​​​Program Area
Cases Opened
Unregulated - Insurance804
Mortgage Servicers236
Credit Unions131
Unregulated - All Other
Money Transmitters83
Unregulated Credit Union80
Unregulated - Banks55
Mortgage Banker/Broker52
Consumer Finance50
Student Loan27
Collection Agencies20
Debt Mgmt Service Providers17
Pawn Broker8
Manufactured Structure Dealer7
Payday Loans7
Unregulated Securities2
Debt Buyer1
Credit Services1
Elder Financial Abuse1
Pre Need1
Unregulated Student L​oan1
​ ​