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Oregon's Innovation Hub

The Oregon Division of Financial Regulation is here to help insurance, financial, and technology companies bring innovative products, services, and tools to Oregonians.

Insurance, financial, and technology companies are encouraged to connect with our Innovation Liaison to identify how new innovations can flourish within the state’s regulatory guidelines.

If you have an idea for insurance or financial services innovation please fill out the contact form on this page to contact us.

Sign up to receive email notices on Innovation Hub updates and events.

The Innovation Liaison brings together stakeholders, experts, and thought leaders to improve the state’s ability to regulate insurance and financial products in a way that allows innovation to flourish in Oregon. The liaison:

  • Reviews innovation and regulatory requirements to balance risks with benefits, and understand how new innovations can be applied.
  • Connects fintech and insuretech firms – companies that leverage technology to create new business models, delivery channels, and automated decisions for financial services and insurance companies – to the division.
  • Encourages collaboration between businesses, innovators, licensees, and consumers.
  • Identifies areas where the legal framework needs to be modernized to keep up with changes in technology.

This helps the division develop and maintain a regulatory structure that can adapt to innovation both now and in the future.​

Oregon encourages responsible testing of new business models, delivery channels, automated decisions, and partnerships. The regulatory sandbox:

  • Allows businesses to test products, services, and tools within a well-defined space for a limited duration.
  • Includes safeguards to minimize the results of failure and maintain the safety and soundness of Oregon’s financial system.
  • Provides support through collaborative regulatory requirements, approved by the division.

Sandbox guidelines detail the objective and principles, and provide guidance to the business entity about the application process. Once the trial period is complete, the business will be required to comply with all relevant regulatory requirements.

If you have questions about Oregon’s innovation hub or sandbox, contact the Innovation Liaison by filling out the form on this page.​​​


Ceres Presents | The ABCs of TCFD Reports for Insurance Companies

As mentioned during the Climate and Resiliency (EX) Task Force meeting in Portland, Ceres is presenting a series of webinars to assist insurers required to report a TCFD-aligned Climate Risk Disclosure Survey by the Nov. 30, 2022 deadline. Sessions will be held on Sept. 14, Oct. 6, Oct. 12, and Oct. 27. You may register for one or multiple sessions, using the registration link below.

Webinar series registration link:

Starting this year, hundreds of U.S. insurance companies will be required to submit climate risk reports based on the Financial Stability Board's Taskforce on Climate-Related Financial Disclosures. The new survey, building off of more than a decade of climate risk reporting under the National Association of Insurance Commissioner's (NAIC) Climate Risk Disclosure Survey, will be required by all licensed insurers in the 15 participating states/territories with at least $100 million in direct written premium. To support insurers responding to the updated requirement, Ceres in conjunction with the United Nations Environment Program Finance Initiative, will present a series of webinars designed to provide background insights for insurance companies completing a TCFD-aligned report for the first time. Over the past few years Ceres has developed expertise in the TCFD reporting framework as more and more businesses have produced reports.

Past events

DFR Innovation Fireside:
Bias and artificial intelligence

Jan. 11, 2021

Watch event recording

View the speakers

The Future of ...
Finance | Insurance |  Collaboration

June 7, 2019
Salem Convention Center

Watch event recording

View the agenda | View the speakers

Contact the Innovation Liaison

Contact the Innovation Liaison for more information about Oregon's Innovation Hub.


Crypto Executive Order Seeks To Develop a Federal Regulatory Framework for Digital Assets (Source: National Law Review, March 18, 2022, Volume XII, Number 77; Authors: Kames Williams, Gus N Paras)

SEC to Propose Rules Concerning Mandatory Climate Change Disclosures on March 21 (Source: National Law Review, March 18, 2022, Volume XII, Number 77; Author: Jacob H. Hupart)

Companies Face Pressure to Justify the Sustainability Label (Source: National Law Review, January 4, 2022, Volume XII, Number 4, Authored by: Cadwalader, Wickersham & Taft LLP)

Why big central banks are becoming climate warriors: QuickTake (Source: Bloomberg News, July 2, 2021, By: Katia Dmitrieva and Jana Randow)

Algorithmic Redlining Is Real. Why Not Algorithmic Greenlining? (Source: Governing April 2, 2021, By: Vinhcent Le, The Greenlining Institute)

COVID Accelerates FinTech Adoption for Users and Companies (Source: Governing October 8, 2020, By: Keith Lewis)

Banks Won’t Rush to Hold Crypto – But OCC’s Regulatory Approval Makes It Harder to Ignore (Source: Coin Desk, Jul 24, 2020 at 14:00 UTC Updated Jul 25, 2020 at 16:25 UTC By: Nikhilesh De, Ian Allison)

FATF Report to the G20 on Stablecoins (Source: K&L Gates Fintech Law Watch. By: Giovanni Campi)

The OCC’s ANPR On Digital Banking: Is This A Harbinger For Digital And Open Banking In The Us? (Source: Forbes. Judie Rinearson, John ReVeal and Stan Ragalevsky)

Some Economists Really Do Get It (Source: Forbes. Caitlin Long, Senior Contributor.)

Flip-Phone Congress Left Behind as Tech Charges Forward (Source: Governing Newsletter. Jason Grumet and Garrett Johnson, CQ-Roll Call)

Oregon’s Innovation Hub is here to help insurance and financial services businesses