StatesToolsCompareFederal

Home / States / Oregon

Oregon Telecom Compliance Guide

OR

Telecom Compliance Reference · Statute last amended 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$200

Registration

Required

OverviewCalling HoursConsentRegistrationDNC ComplianceDNC RegistryEnforcementCase LawLegislation

Insurance Telemarketing Compliance in Oregon

Insurance agency telemarketing and lead generation compliance in Oregon

Guide last reviewed: January 2025

⚠

Mini-TCPA State — ORS 646.561 to 646.578; ORS 646A.370 to 646A.376

Oregon imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $200 per-violation penalties.

Oregon Insurance Overview

Insurance telemarketing in Oregon benefits from the low registration barrier ($50/year, no bond). The 10-day rescission period for phone-solicited policies is the primary Oregon-specific requirement. Licensed producers have a clear EBR exemption for existing policyholders. Cold calling new prospects is viable via manual dialing within 9 AM–9 PM.

Penalty/Violation

$200

Willful

Not yet verified

Calling Hours

8:00 AM–9:00 PM

Private Suit

Allowed

Compliance Checklist

✓Maintain active Oregon insurance producer license,Register with DOJ ($50/year) if making outbound telemarketing calls to new prospects,Scrub against federal DNC Registry (no separate state list),Calling hours: 9:00 AM – 9:00 PM local time,Identify yourself, your agency, and the carrier within 30 seconds,EBR exemption for existing policyholders,Obtain prior express written consent before automated outreach,Written confirmation for any policy sale over $25,10-day right of rescission for phone-solicited policies,Do not misrepresent policy terms, coverage, or pricing,Maintain records of consent and opt-out requests,Note: the FCC one-to-one consent rule was vacated in January 2025 and never took effect

What Gets Companies Sued

✗Top violations for insurance in Oregon: (1) Not providing 10-day rescission notice; (2) Not registering with DOJ; (3) Misrepresenting coverage; (4) Using auto-dialers without consent; (5) Not scrubbing DNC list.

Special Exemptions

Licensed insurance producers calling existing policyholders have EBR exemption. Low registration barrier for cold calling. 10-day rescission applies to phone-solicited policies.

Key State Rules

Mini-TCPAYes
RegistrationRequired
Class ActionsAllowed
Consent Requirements→Registration Details→DNC List→

Insurance Enforcement in Oregon

Insurance Marketing Coalition v. FCC — Oregon AG amicus brief

Jan 2024

deceptive lead generationno written consent

Oregon AG joined CA and other state AGs in filing amicus brief defending the FCC's one-to-one consent rule in Insurance Marketing Coalition v. FCC. The rule, which was vacated in January 2025 and never took effect, would have closed the lead generator loophole that allowed consumers to unknowingly "consent" to calls from thousands of companies by visiting a single website. Oregon's support signals the state's enforcement direction: targeting consent quality, not just consent existence.

All enforcement actions in Oregon →

Stay Current

Weekly compliance digest

New enforcement actions, statute updates, and rule changes — delivered once a week. Know what changed before your next dial session.

Compliance, built in

Need an AI workforce that knows the rules?

Chief is the AI workforce for real estate operators. Calling, texting, and follow-up that respects Oregon consent requirements, calling hours, and DNC rules without you babysitting the dialer.

See Chief →
Or book a compliance review

This is a compliance reference tool, not legal advice. Data compiled from public statutes, LegiScan, CourtListener, state AG offices, and AI-assisted analysis. Verify all information with qualified counsel before relying on it. Full terms & data sources →