Proposed bulletins

​​​​​Owners and Operators of Automatic Teller Machines and Virtual Currency Kiosks (also known as Bitcoin ATMs),​

The Oregon Division of Financial Regulation (DFR) proposes to issue a bulletin regarding Oregon Money Transmission Licensing Requirements.

Purpose

The purpose of this bulletin is to advise the owners and/or operators of cryptocurrency automated teller machines (also known by a number of other names, including Crypto ATMs or crypto kiosks, and hereinafter referred to as “Crypto ATMs” or “Crypto ATM”) that they must use the Nationwide Multistate Licensing System (NMLS) to obtain a money transmitter license.

Click here to review proposed bulletin

Public comments requested

Public comment will be accepted for 30 days. Please submit public comment to DFR.Bulletin@dcbs.oregon.gov.

Last day for public comment

Monday, Oct. 12, 2026. Comments must be received by 5 p.m.​

​​​​​Carriers offering health benefit plans in Oregon,​

The Oregon Division of Financial Regulation (DFR) proposes to issue a bulletin regarding the Coverage of Doula Services under ORS 743A.081 between January 1, 2026, and December 31, 2027.

Purpose

To clarify the department’s expectations for reimbursement of doula services provided between January 1, 2026, and December 31, 2027.

Click here to review proposed bulletin

Public comments requested

Public comment will be accepted for 30 days. Please submit public comment to DFR.Bulletin@dcbs.oregon.gov.

Last day for public comment

Monday, Oct. 12, 2026. Comments must be received by 5 p.m.​

​​​Nonbank Lenders Offering “Buy Now, Pay Later” (BNPL) Products and BNPL Service Providers​

The Oregon Division of Financial Regulation (DFR) proposes to issue a bulletin regarding Oregon consumer finance and payday licensing requirements.

Purpose

The purpose of this bulletin is to remind nonbank lenders offering BNPL products and BNPL service providers that they must use the Nationwide Multistate Licensing System (NMLS) to obtain a payday and/or a consumer finance license based on the length of time the borrower is required to repay the loan before transacting business in Oregon. This is regardless of whether the BNPL is described as a nonrecourse loan or does not include fees, interest, or other charges at the time of the initial purchase.

Click here to review proposed bulletin

Public comments requested

Public comment will be accepted for 30 days. Please submit public comment to DFR.Bulletin@dcbs.oregon.gov.

Last day for public comment

Friday, July 17, 2026. Comments must be received by 5 p.m. ​

​​​All Auto, Homeowners, and Dwelling Fire Insurers,

The Oregon Division of Financial Regulation (DFR) proposes to issue a bulletin regarding unfair claim settlement practices related to the use of virtual claim adjustment systems and mobile applications.

Purpose

This bulletin provides guidance to auto and homeowners/dwelling insurers that use virtual claim adjustment systems on how to avoid unfair claim settlement practices. The bulletin also clarifies when an insurer may require the use of a mobile application to submit a claim.

Click here to review ​ Proposed bulletin​

Public comment requested

Public comment will be accepted for 30 days. Please submit public comment to DFR.Bulletin@dcbs.oregon.gov.

Last day for public comment: Friday, June 12​, 2026. Comments must be received by ​5 ​p.m.