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 - 2024

Complaint Recoveries$8,964,423
Market Analysis and Investigation Recoveries$95,298
Enforcement Civil Penalties and Restitution$9,438,552

*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 2024


2024 Complaint data

Program Area Cases Opened
Insurance3,357
Not Regulated By DFR - Insurance957
Mortgage Servicer234
Not Regulated By DFR - All Other222
Credit Union139
Money Transmitters122
Student Loan75
Consumer Finance58
Securities58
Not Regulated By DFR - Banking54
Banking48
Mortgage Banker/Broker33
Other23
Collection Agencies19
Not Regulated By DFR - Credit Union19
Debt Mgmt Service Providers12
Manufactured Structure Dealer5
Pawn Broker4
Debt Buyer2
Payday Loans2
Pre Need1
Virtual Currency1
​ ​