(1) "Default" means having one or more homeowner obligations in arrears to an extent that a notice of default could properly be recorded against the residence.
(2) "Family" means a spouse, domestic partner, parent, stepparent, grandparent, child, stepchild, grandchild, sibling, aunt, uncle, cousin or in-law.
(3) "Foreclosure consultant," except as provided in ORS 646A.705, means a person that directly or through association with another makes a solicitation, representation or offer to a homeowner to perform, for or with the intent to receive compensation from or on behalf of the homeowner, a service that the solicitation, representation or offer indicates will accomplish one or more of the following:
(a) Prevent, postpone or stop a foreclosure sale.
(b) Obtain a forbearance from a beneficiary or mortgagee.
(c) Assist the homeowner in exercising a right of redemption.
(d) Obtain an extension of the period within which the homeowner may reinstate the homeowner’s obligation.
(e) Obtain the waiver of an acceleration clause that is:
(A) Contained in a promissory note or contract; and
(B) Secured by or contained in a deed of trust for, or mortgage on, a residence in foreclosure or in default.
(f) Assist the homeowner in obtaining a loan or advance of funds.
(g) Avoid or ameliorate an impairment of the homeowner’s credit resulting from a recorded notice of foreclosure or default.
(4) "Foreclosure consulting contract" means an agreement between a foreclosure consultant and a homeowner for the provision of services by a foreclosure consultant in regard to a residence in foreclosure or in default.
(5) "Homeowner" means the record owner of a residence.
(6) "Residence in foreclosure" means residential real property:
(a) Consisting of one to four single-family dwelling units;
(b) On which the owner occupies a dwelling unit; and
(c) Against which a notice of default has been recorded. [2008 c.19 §2]
Structure 2021 Oregon Revised Statutes
Volume : 16 - Trade Practices, Labor and Employment
Chapter 646A - Trade Regulation
Section 646A.030 - Definitions for ORS 646A.030 to 646A.042.
Section 646A.032 - Price list for health spa services.
Section 646A.034 - Contracts; contents.
Section 646A.038 - Moneys paid prior to facility opening; disposition; priority of claim; refund.
Section 646A.050 - Definitions.
Section 646A.052 - Form of purchase agreement.
Section 646A.060 - Purchase of used goods; records; application to pawnbrokers.
Section 646A.064 - Definitions for ORS 646A.064 to 646A.067.
Section 646A.066 - Applicability to local ordinances.
Section 646A.068 - Penalty for violating ORS 646A.065.
Section 646A.070 - Sale of telephonic equipment; disclosure requirements; enforcement; penalty.
Section 646A.072 - Exceptions to disclosure requirements.
Section 646A.075 - Required information prior to purchase of dog.
Section 646A.080 - Sale of novelty item containing mercury; penalty.
Section 646A.081 - Prohibition on sale or installation of mercury vapor outdoor lighting fixtures.
Section 646A.092 - Advertisements for sale or lease of motor vehicle; exceptions.
Section 646A.100 - Definitions for ORS 646A.100 to 646A.110.
Section 646A.104 - Information required in notice of intent.
Section 646A.108 - Prohibited conduct.
Section 646A.110 - Applicability of ORS 646A.100 to 646A.110 and 646A.112.
Section 646A.112 - Injunction of sham sale; evidence; attorney fees; defense; definitions.
Section 646A.120 - Definitions for ORS 646A.120 to 646A.134.
Section 646A.122 - Applicability of ORS 646A.120 to 646A.134.
Section 646A.124 - General disclosure requirements.
Section 646A.126 - Specific disclosure requirements.
Section 646A.128 - Provisions prohibited in lease-purchase agreements.
Section 646A.130 - Reinstatement of lease-purchase agreement by consumer; receipt for each payment.
Section 646A.132 - Renegotiation or extension of lease-purchase agreement.
Section 646A.134 - Disclosures required in advertisement for lease-purchase agreements.
Section 646A.140 - Definitions for ORS 646A.140 and 646A.142.
Section 646A.142 - Rental vehicle collision damage waiver notice.
Section 646A.150 - Applicability of ORS 646A.150 to 646A.172.
Section 646A.152 - Definitions for ORS 646A.150 to 646A.172.
Section 646A.156 - Required contents of service contracts.
Section 646A.158 - Prohibited conduct.
Section 646A.164 - Complaints and investigations confidential; exceptions.
Section 646A.166 - Refusal to continue or suspension or revocation of registration.
Section 646A.168 - Assessment fee; rules; purpose; registration fee.
Section 646A.172 - Rules; exemption of certain obligors.
Section 646A.200 - Definitions for ORS 646A.202 and 646A.204.
Section 646A.204 - Customer information.
Section 646A.214 - Verification of identity in credit or debit card transactions.
Section 646A.220 - Credit card solicitation; required disclosure; definitions.
Section 646A.222 - Charge card solicitation; required disclosure; definitions.
Section 646A.230 - Action by Attorney General or district attorney; civil and criminal penalties.
Section 646A.274 - Definitions for ORS 646A.276 and 646A.278.
Section 646A.278 - Requirements for sale of gift card that expires.
Section 646A.280 - Definitions for ORS 646A.280 to 646A.290.
Section 646A.282 - Simulated invoices prohibited.
Section 646A.284 - Cause of action by Attorney General; judgment; attorney fees.
Section 646A.286 - Cause of action by private party; judgment; attorney fees.
Section 646A.288 - Presumptions in cause of action brought under ORS 646A.284 or 646A.286.
Section 646A.290 - Construction; other remedies.
Section 646A.293 - Definitions for ORS 646A.293 and 646A.295.
Section 646A.295 - Prohibited actions; requirements; timing; failure to obtain consent; exceptions.
Section 646A.300 - Definitions for ORS 646A.300 to 646A.322.
Section 646A.306 - Repurchase of inventory by supplier; effect of new retailer agreement.
Section 646A.308 - Civil action for supplier’s failure to pay; venue.
Section 646A.310 - Prohibited conduct by supplier.
Section 646A.314 - New or relocated dealership; notice; area of responsibility.
Section 646A.316 - Warranty claims; payment; time for completion.
Section 646A.318 - Warranty claims; processing.
Section 646A.320 - Retailer’s improvements to products.
Section 646A.322 - Remedies; arbitration; cause of action; attorney fees; injunctive relief.
Section 646A.340 - Definitions for ORS 646A.340 to 646A.348.
Section 646A.342 - Prohibited conduct; required verifications and notice.
Section 646A.344 - Bond or letter of credit; action; exceptions.
Section 646A.360 - Unsolicited facsimile machine transmissions.
Section 646A.370 - Definitions for ORS 646A.370 to 646A.374.
Section 646A.372 - Limits on usage of automatic dialing and announcing device.
Section 646A.374 - Prohibited actions.
Section 646A.400 - Definitions for ORS 646A.400 to 646A.418.
Section 646A.402 - Availability of remedy.
Section 646A.404 - Consumer’s remedies; manufacturer’s affirmative defenses.
Section 646A.414 - Limitations on actions against dealers.
Section 646A.416 - Limitation on commencement of action.
Section 646A.430 - Definitions for ORS 646A.430 to 646A.450.
Section 646A.432 - Applicability of ORS 646A.430 to 646A.450; applicability of other law.
Section 646A.434 - Sale of vehicle protection product; conditions and requirements.
Section 646A.436 - Warrantor registration; requirements; expiration; fees; rules.
Section 646A.438 - Reimbursement insurance; requirements; insurer qualifications.
Section 646A.440 - Required provisions of reimbursement insurance policy; cancellation; notice.
Section 646A.444 - Recordkeeping requirements for warrantor; record retention.
Section 646A.446 - Prohibited conduct for warrantor.
Section 646A.448 - Prohibited activities.
Section 646A.450 - Rules; investigative powers of department.
Section 646A.460 - Definitions for ORS 646A.460 to 646A.476.
Section 646A.462 - Express warranty; duration.
Section 646A.464 - Repair of assistive device.
Section 646A.466 - Replacement or refund after attempt to repair.
Section 646A.468 - Procedures for replacement or refund.
Section 646A.470 - Sale or lease of returned assistive device.
Section 646A.472 - Dispute resolution.
Section 646A.476 - Civil action for damages; attorney fees; limitation on actions.
Section 646A.480 - Definitions for ORS 646A.480 to 646A.495.
Section 646A.482 - Estimate required before beginning work; contents; evaluation.
Section 646A.490 - Additional prohibited actions; reassembly required; copies.
Section 646A.495 - Owner designee; waiver of authorization requirement.
Section 646A.500 - Legislative findings; declaration of purpose.
Section 646A.504 - Definitions for ORS 646A.500 to 646A.514.
Section 646A.506 - Prohibited conduct.
Section 646A.510 - Exemptions.
Section 646A.525 - Definitions for ORS 646A.525 to 646A.535.
Section 646A.540 - Definitions; labeling and packaging requirements; preemption.
Section 646A.542 - Requirement to document compliance.
Section 646A.544 - Local government enforcement; notice required; penalties.
Section 646A.560 - Legislative findings.
Section 646A.562 - Definitions for ORS 646A.560 to 646A.566.
Section 646A.564 - Standards for mercury content in electric lamps; exceptions.
Section 646A.575 - Definitions for ORS 646A.575 to 646A.590.
Section 646A.577 - Limited license required; application; fee; renewal; prohibited representations.
Section 646A.582 - Written disclosure requirements.
Section 646A.585 - Exceptions to license requirement; prohibited representations; acts of employees.
Section 646A.592 - Enforcement.
Section 646A.602 - Definitions for ORS 646A.600 to 646A.628.
Section 646A.606 - Security freeze; requirements; proof of authority; effect.
Section 646A.610 - Fees not permitted.
Section 646A.612 - Conditions for lifting or removing security freeze.
Section 646A.614 - Effect of security freeze on use of consumer reports or protective records.
Section 646A.624 - Powers of director; penalties.
Section 646A.628 - Allocation of moneys.
Section 646A.640 - Definitions.
Section 646A.643 - License requirement to engage in debt buying; exemptions.
Section 646A.652 - Required notices.
Section 646A.655 - Compliance with director’s standards; rules.
Section 646A.658 - Prohibited practices.
Section 646A.664 - Enforcement actions; penalties.
Section 646A.667 - Preemption.
Section 646A.683 - Requirement to report increase in drug price; exemptions.
Section 646A.692 - Civil penalty.
Section 646A.695 - Annual fees assessed against drug manufacturers; rules.
Section 646A.702 - Definitions for ORS 646A.702 to 646A.720.
Section 646A.705 - Persons that are not foreclosure consultants.
Section 646A.710 - Foreclosure consulting contract; requirements; void provisions.
Section 646A.720 - Prohibited acts of foreclosure consultant.
Section 646A.725 - Definitions for ORS 646A.725 to 646A.750.
Section 646A.730 - Persons that are not equity purchasers.
Section 646A.735 - Written contract; requirements; void provisions; power of attorney prohibited.
Section 646A.745 - Required and prohibited acts.
Section 646A.755 - Acts not precluded.
Section 646A.770 - Definitions.
Section 646A.773 - Applicability of Insurance Code; statement of costs; exemptions.
Section 646A.781 - Cancellation and expiration; refunds; effect of sale, assignment or transfer.
Section 646A.784 - Reimbursement insurance policies for guaranteed asset protection waivers.
Section 646A.787 - Fiduciary responsibilities.
Section 646A.800 - Late fees on delinquent cable service accounts; amount; disclosure; notice.
Section 646A.808 - Obtaining personal information by false representation via electronic media.
Section 646A.813 - Security requirements for Internet-connected devices; exemptions; penalty.