l9n/ Oregon

2025 Regular Session

House Bill 3178

Requires a seller in a motor vehicle transaction that involves a retail installment contract or lease agreement to make a good faith effort to sell the retail installment contract or lease agreement to a lender on the exact terms that the seller and buyer negotiated.

Became law as Chapter 81, Oregon Laws 2025, signed May 14, 2025, 121 days after it was filed. In force from January 1, 2026.

What it does

The synopsis the Legislative Assembly published with the bill.

Digest: Sets out rules a seller must follow when making a sale or lease of a motor vehicle that involves installment payments. (Flesch Readability Score: 60.6). Requires a seller in a motor vehicle transaction that involves a retail installment contract or lease agreement to make a good faith effort to sell the retail installment contract or lease agreement to a lender on the exact terms that the seller and buyer negotiated. Requires the seller to undertake certain actions if the lender does not agree to buy the retail installment contract or lease agreement within 10 calendar days after the buyer takes possession of the motor vehicle. Prohibits the seller from selling or paying off a loan balance for any trade-in vehicle that is part of the transaction before receiving a lender's final approval of funding. Specifies the liabilities a seller has for failing to comply with the prohibitions. Requires the seller to provide the buyer with certain disclosures before concluding the transaction. Punishes a violation of the Act as an unlawful practice under the Unlawful Trade Practices Act.

Sponsors

Who carried the bill in each chamber, and who signed on. Each name leads to the member's page.

In the House of Representatives

3 co-sponsors

John Lively, Willy Chotzen, Dacia Grayber

In the Senate

3 co-sponsors

Wlnsvey Campos, Lew Frederick, Deb Patterson

Its course

January 13 to June 6, 2025, on one scale. In the top row each mark is a day something happened; taller marks are busier days.

Each committee stop sits inside its chamber.

Every action22 actions on 19 days

In the House of RepresentativesJan 13 to Apr 1087 days

Waiting for a committeeJan 13 to Jan 174 days

Commerce and Consumer ProtectionJan 17 to Apr 477 days

In the SenateApr 10 to May 121 days

Waiting for a committeeApr 10 to Apr 100 days

Labor and BusinessApr 10 to Apr 2919 days

Back in the House of RepresentativesMay 1 to May 87 days

With the GovernorMay 8 to May 146 days

Votes

Yeas to nays, as the Legislative Assembly recorded them. Committee votes are set in.

  • House of Representatives, third reading53–0

    Passed · Apr 10 · 7 present

  • Senate, third reading24–2

    Passed · May 1 · 3 present

  • House of Representatives, concurrence49–0

    Agreed to the other chamber's changes · May 6 · 11 present

Amendments

Each amendment offered, and what became of it.

  • House of Representatives committee amendmentAdopted

    Adopted Apr 4

  • Senate committee amendmentAdopted

    Adopted Apr 29

Text

Each version as the Legislative Assembly printed it.

l9n doesn't hold this bill's text yet.

What happened

In l9n's words, one line for each step. Every action as the Legislative Assembly published it is below.

In the House of Representatives Jan 13 – Apr 10

  1. Jan 13Introduced
  2. Jan 17Sent to Commerce and Consumer Protection
  3. Feb 4Heard in Commerce and Consumer Protection
  4. Apr 1Heard in Commerce and Consumer Protection
  5. Apr 4Commerce and Consumer Protection recommended it as amended
  6. Apr 7Read a second time
  7. Apr 10Passed the House of Representatives, 53 to 0

In the Senate Apr 10 – May 1

  1. Apr 10Arrived in the Senate
  2. Sent to Labor and Business
  3. Apr 17Heard in Labor and Business
  4. Apr 22Heard in Labor and Business
  5. Apr 24Heard in Labor and Business
  6. Apr 29Labor and Business recommended it as amended
  7. Apr 30Read a second time
  8. May 1Passed the Senate, 24 to 2

Back in the House of Representatives May 6 – May 8

  1. May 6The House of Representatives agreed to the Senate's amendments and passed it again, 49 to 0
  2. May 8Signed in the House of Representatives

To the Governor May 8 – Jun 6

  1. May 8Signed in the Senate
  2. May 14Signed by the Governor
  3. Jun 6Became chapter 81 of Oregon Laws 2025, in force from January 1, 2026
All 22 actions, as published
  1. Jan 13First reading. Referred to Speaker's desk.House of Representatives
  2. Jan 17Referred to Commerce and Consumer Protection.House of Representatives
  3. Feb 4Public Hearing held.House of Representatives
  4. Apr 1Work Session held.House of Representatives
  5. Apr 4Recommendation: Do pass with amendments and be printed A-Engrossed.House of Representatives
  6. Apr 7Second reading.House of Representatives
  7. Apr 8Rules suspended. Carried over to April 9, 2025 Calendar.House of Representatives
  8. Apr 9Rules suspended. Carried over to April 10, 2025 Calendar.House of Representatives
  9. Apr 10Third reading. Carried by Sosa. Passed.House of Representatives
  10. Apr 10First reading. Referred to President's desk.Senate
  11. Apr 10Referred to Labor and Business.Senate
  12. Apr 17Public Hearing held.Senate
  13. Apr 22Work Session held.Senate
  14. Apr 24Work Session held.Senate
  15. Apr 29Recommendation: Do pass with amendments to the A-Eng. bill. (Printed B-Eng.)Senate
  16. Apr 30Second reading.Senate
  17. May 1Third reading. Carried by Taylor. Passed.Senate
  18. May 6House concurred in Senate amendments and repassed bill.House of Representatives
  19. May 8Speaker signed.House of Representatives
  20. May 8President signed.Senate
  21. May 14Governor signed.House of Representatives
  22. Jun 6Chapter 81, (2025 Laws): Effective date January 1, 2026.House of Representatives