l9n/ Oregon

2026 Regular Session

House Bill 4116

Declares that this state does not want the amendments set forth in section 521 of the Depository Institutions Deregulation and Monetary Control Act of 1980 to apply to consumer finance loans made in this state.

Became law as Chapter 113, Oregon Laws 2026, signed April 7, 2026, 64 days after it was filed. In force from June 5, 2026.

What it does

The synopsis the Legislative Assembly published with the bill.

Digest: Declares that this state does not want a certain federal law to apply to consumer finance loans made in this state. Says who the laws that govern consumer finance loans in this state apply to and when. Says what needs to be in an application for a license to make consumer finance loans in this state. (Flesch Readability Score: 73.0). Declares that this state does not want the amendments set forth in section 521 of the Depository Institutions Deregulation and Monetary Control Act of 1980 to apply to consumer finance loans made in this state. Specifies persons to whom the consumer finance laws of this state apply and circumstances in which the laws apply. Specifies the requirements for an application for a license to make consumer finance loans in this state. Takes effect on the 91st day following adjournment sine die.

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

11 co-sponsors

Farrah Chaichi, Mark Gamba, David Gomberg, Ken Helm, Lesly Muñoz, Nancy Nathanson, Travis Nelson, Susan McLain, Zach Hudson, Jules Walters, Thuy Tran

In the Senate

4 co-sponsors

Lew Frederick, Kayse Jama, Khanh Pham, Janeen Sollman

Its course

February 2 to April 13, 2026, 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 action25 actions on 15 days

In the House of RepresentativesFeb 2 to Feb 1715 days

Waiting for a committeeFeb 2 to Feb 20 days

Commerce and Consumer ProtectionFeb 2 to Feb 1311 days

In the SenateFeb 17 to Mar 516 days

Waiting for a committeeFeb 17 to Feb 192 days

Labor and BusinessFeb 19 to Mar 312 days

With the GovernorMar 5 to Apr 733 days

Votes

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

  • House of Representatives, third reading25–33

    Feb 17 · 2 present

  • House of Representatives, third reading31–24

    Passed · Feb 17 · 5 present

  • Senate, third reading12–18

    Mar 5

  • Rules12–17

    Mar 5 · 1 present

  • Senate, third reading16–13

    Passed · Mar 5 · 1 present

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 Feb 2 – Feb 17

  1. Feb 2Introduced
  2. Sent to Commerce and Consumer Protection
  3. Feb 3Heard in Commerce and Consumer Protection
  4. Feb 10Heard in Commerce and Consumer Protection
  5. Feb 13Commerce and Consumer Protection recommended it
  6. Feb 16Read a second time
  7. Feb 17Passed the House of Representatives, 31 to 24

In the Senate Feb 19 – Mar 5

  1. Feb 19Arrived in the Senate
  2. Sent to Labor and Business
  3. Feb 23Heard in Labor and Business
  4. Feb 25Heard in Labor and Business
  5. Mar 3Labor and Business recommended it
  6. Mar 4Read a second time
  7. Mar 5Passed the Senate, 16 to 13

To the Governor Mar 6 – Apr 13

  1. Mar 6Signed in the House of Representatives
  2. Signed in the Senate
  3. Apr 7Signed by the Governor
  4. Apr 13Became chapter 113 of Oregon Laws 2026, in force from June 5, 2026
All 25 actions, as published
  1. Feb 2First reading. Referred to Speaker's desk.House of Representatives
  2. Feb 2Referred to Commerce and Consumer Protection.House of Representatives
  3. Feb 3Public Hearing held.House of Representatives
  4. Feb 10Work Session held.House of Representatives
  5. Feb 13Recommendation: Do pass.House of Representatives
  6. Feb 13Minority Recommendation: Do pass with amendments and be printed A-Engrossed.House of Representatives
  7. Feb 16Second reading.House of Representatives
  8. Feb 17Motion to substitute Minority Report for Committee Report failed.House of Representatives
  9. Feb 17Third reading. Carried by Sosa. Passed.House of Representatives
  10. Feb 17Vote explanation(s) filed by Levy E, Nguyen D.House of Representatives
  11. Feb 19First reading. Referred to President's desk.Senate
  12. Feb 19Referred to Labor and Business.Senate
  13. Feb 23Public Hearing held.Senate
  14. Feb 25Public Hearing and Work Session held.Senate
  15. Mar 3Recommendation: Do pass.Senate
  16. Mar 3Minority Recommendation: Do pass with amendments. (Printed A-Eng. Minority)Senate
  17. Mar 4Second reading.Senate
  18. Mar 5Motion to substitute Minority Report for Committee Report failed.Senate
  19. Mar 5Motion to refer to Committee on Rules failed.Senate
  20. Mar 5Third reading. Carried by Neron Misslin, Campos. Passed.Senate
  21. Mar 5McLane, granted unanimous consent to change vote to nay.Senate
  22. Mar 6Speaker signed.House of Representatives
  23. Mar 6President signed.Senate
  24. Apr 7Governor signed.House of Representatives
  25. Apr 13Chapter 113, (2026 Laws): Effective date June 5, 2026.House of Representatives