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Oregon

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Telecom Compliance Reference — Updated January 2023

Mini-TCPA State — High Risk

Calling Hours

8:00 AM–9:00 PM

Min Penalty

$25,000

Registration

Required

OverviewCalling HoursConsentRegistrationDNCEnforcementCase 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 et seq. (Telephone Solicitation)

Oregon imposes stricter consent and calling requirements than federal TCPA.Insurance companies operating here face $25,000 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

$25,000

Willful

$25,000

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,One-to-one consent for SMS marketing under FCC 2025 rule

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 ActionsNot specified
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 closes 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 →

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Catalyst Partners specializes in telecom compliance for Insurance companies operating in Oregon and across the country. We build the systems, you make the calls.

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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 →