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Banks |
Administration and Enforcement of Banking Laws Generally |
ORS Chapter 706 |
Bank Holding Companies; Financial Holding Companies |
ORS Chapter 715 |
Branch Banking; Automated Teller Machines |
ORS Chapter 714 |
Fees, names, and enforcement authority |
ORS Chapter 705 (705.610-705.642) |
Merger; Conversion; Share Exchange; Acquisition; Liquidation; Insolvency |
ORS Chapter 711 |
Organization to Conduct Banking Business; Stockholders, Directors and Officers |
ORS Chapter 707 |
Out-of-State Banks and Extranational Institutions |
ORS Chapter 713 |
Regulation of Institutions Generally |
ORS Chapter 708A |
Savings banks |
ORS Chapter 716 |
Definitions; annual assessments/fees |
OAR Chapter 441, Div. 500 |
General provisions |
OAR Chapter 441, Div. 505 |
Public records requests |
OAR Chapter 441, Div. 002 |
Rulemaking and general procedures |
OAR Chapter 441, Div. 001 |
Savings and loan |
OAR Chapter 441, Div. 760 |
Check-cashing businesses |
Collection Agencies; Check-Cashing Businesses; Debt Consolidating Agencies |
ORS Chapter 697 (697.500 to 697.555) |
Check-Casher Rules |
OAR Chapter 441, Div. 755 |
Collection agencies |
Collection Agencies; Check-Cashing Businesses; Debt Consolidating Agencies |
ORS Chapter 697 (697.005 to 697.095) |
Collection agencies |
OAR Chapter 441, Division 810 |
Commodity transactions (Securities program) |
Commodity transactions |
ORS Chapter 645 |
Commodity transactions (Securities program) |
OAR Chapter 441, Div. 300 |
Consumer finance |
Consumer finance |
ORS Chapter 725 (725.010-725.510; 725.910) |
Consumer finance |
OAR Chapter 441, Div. 730 |
Credit service organizations |
Trade Regulation |
ORS Chapter 646A (646A.250 to 646A.270) |
Registration and Collection Activities |
OAR Chapter 441, Div. 830 |
Credit unions |
Credit unions |
ORS Chapter 723 |
Definitions, fees, membership, supervision, investments, powers, reserves |
OAR Chapter 441, Div. 710 |
Share drafts, corporate credit union, member business loans |
OAR Chapter 441, Div. 720 |
Debt consolidating agencies |
Collection Agencies; Check-Cashing Businesses; Debt Consolidating Agencies |
ORS Chapter 697 697.602 to 697.842 |
Registration of Debt Consolidating Businesses |
OAR Chapter 441, Div. 910 |
Franchise transactions (Securities program) |
Franchise transactions |
ORS Chapter 650 |
Franchise transactions |
OAR Chapter 441, Div. 325 |
Identity theft |
Identity Theft |
ORS Chapter 646A 646A.600 to 646A.628 |
Definitions, Expenses of Providing Notification, Use of Social Security Number, Safeguarding of Personal Information |
OAR Chapter 441, Div. 646 |
International trade consultants |
International trade consultants |
OAR Chapter 441, Div. 950 |
Manufactured structures dealer |
Manufactured structure dealers and dealerships |
ORS Chapter 446 (446.661 through 446.995) |
Dealer licensing |
OAR Chapter 441, Div. 446 |
Money transmitters |
Money transmitters |
Chapter 717 |
Money transmitters |
OAR Chapter 441, Div. 745 |
Mortgage lending |
Securities Regulation; Mortgage Bankers and Brokers |
ORS Chapter 59 |
Custody of client funds |
OAR Chapter 441, Div. 875 |
License cancellation |
OAR Chapter 441, Div. 885 |
Licensing |
OAR Chapter 441, Div. 860 |
Loan originators |
OAR Chapter 441, Div. 880 |
Public records, fees, opinion requests, rulemaking |
OAR Chapter 441, Div. 850 |
Records and reports requirements |
OAR Chapter 441, Div. 865 |
Unethical practices |
OAR Chapter 441, Div. 870 |
Pawnbrokers |
Pawnbrokers |
ORS Chapter 726 |
Pawnbrokers |
OAR Chapter 441, Div. 740 |
Prearranged funeral plans and endowment care |
Endowment cemetery care |
ORS Chapter 97 (97.810) |
Prearrangement sales and preconstruction sales |
ORS Chapter 97 (97.923) |
Prearranged funeral plans and endowment care |
OAR Chapter 441, Div. 930 |
Securities |
Commodity transactions |
ORS Chapter 645 |
Franchise transactions |
ORS Chapter 650 |
Securities Regulation; Mortgage Bankers and Brokers |
ORS Chapter 59 |
Books and records requirements |
OAR Chapter 441, Div. 195 |
Conditions of registration |
OAR Chapter 441, Div. 85 |
Denial, withdrawal or conditioning of exemptions |
OAR Chapter 441, Div. 45 |
Exempt securities |
OAR Chapter 441, Div. 25 |
Exempt transactions |
OAR Chapter 441, Div. 35 |
Federal covered securities |
OAR Chapter 441, Div. 49 |
General provisions |
OAR Chapter 441, Div. 11 |
License cancellation, withdrawal |
OAR Chapter 441, Div. 225 |
License denial, suspension, or revocation |
OAR Chapter 441, Div. 205 |
Licensing (Broker-dealer, investment advisor, and individuals) |
OAR Chapter 441, Div. 175 |
Renewal of securities registration |
OAR Chapter 441, Div. 75 |
Securities registration |
OAR Chapter 441, Div. 65 |
Sellers of travel |
Trade Regulation |
ORS Chapter 646A 646A.010 to 646A.020 |
Seller of travel |
OAR Chapter 441, Div. 925 |
Title loans (Consumer finance section) |
Consumer finance |
ORS Chapter 725 (725.010-725.510; 725.910) |
Consumer finance |
OAR Chapter 441, Div. 730 |
Trusts |
Regulation of Trust Business |
ORS Chapter 709 |
Definitions; annual assessments/fees |
OAR Chapter 441, Div. 500 |
This rulemaking activity streamlines the record-keeping and reporting requirements by registered check cashing businesses in Oregon to the Department of Consumer and Business Services. Under the proposed rules, check cashers would no longer track the date on a check, or the name of the person who has issued the check. The proposed rules also remove the current requirements for a check casher to report on the number of cashed checks greater than $1,000 and the number of cashed checks that a financial institution refused to accept or pay (i.e., dishonored).
The legislature passed Senate Bill 109 in the 2009 legislative session. Senate Bill 109 repealed a voluntary certification program for trade associations representing travel agencies, effective January 1, 2010. As a result of legislative action, the administrative rules that implement the association of sellers of travel program are no longer necessary. This rulemaking activity proposes to repeal these unnecessary provisions effective on January 1, 2010 to coincide with the statute.
The legislature passed HB 2199 in the 2009 legislative session. The bill streamlined regulation of the financial services sector in Oregon in part by repealing the statutes governing savings associations (ORS chapter 722), which has not been utilized by an Oregon company for some time. This rulemaking removes rules implementing the repealed statutes and also removes references to savings associations throughout OAR chapter 441.
These rules adopt the approaches taken by several contiguous states and the federal government for determining when loans to more than one borrower should be aggregated against a bank's legal lending limit. Currently, loans to more than one borrower are aggregated together when the obligation is made "for the benefit" another person. This standard may prove difficult for financial institutions to apply, because it is subject to multiple interpretations. The division is adopting federal regulations concerning the existence of a "direct benefit" and "common enterprise" tests, as well as special rules for partnerships that were in the proposed rules but have been rearranged into a separate rule in response to public comment.