Commerce and Consumer Protection Interim

Provides that a violation of prohibitions against certain practices with respect to insurance is subject to an enforcement action under the Unlawful Trade Practices Act. Specifies exemptions. Removes some exemptions for insurance from the definition of "real estate, goods or services" under the Unlawful Trade Practices Act. Permits a person to obtain, and a court to award, appropriate equitable relief in addition to monetary damages under the Unlawful Trade Practices Act. Requires the Director of the Department of Consumer and Business Services to request action before a prosecuting attorney may take action under the Unlawful Trade Practices Act against an act or practice related to insurance.

Directs state agencies to require prospective contractors, subcontractors and grant recipients to attest that they do not and will not transport individuals detained by federal agencies for the purpose of deportation, except in accordance with judicial orders. Provides that if the attestations are false or become false, contractors are disqualified from contracting with the state agency for a specified period, and grant recipients must repay the grant moneys to the state. Declares an emergency, effective on passage.

Requires a person that provides debt resolution services to consumers in this state to register with the Department of Consumer and Business Services and regulates the activities of debt resolution service providers. Takes effect on the 91st day following adjournment sine die.

Requires the Department of Consumer and Business Services to study consumer protection. Directs the department to submit findings to the interim committees of the Legislative Assembly related to consumer protection not later than September 15, 2027. Sunsets on January 2, 2028.

HB 4095 requires Oregon's semi-independent state boards (such as licensing commissions for professions like optometry or massage therapy) to follow standard state budget and financial reporting rules they previously were exempt from. The bill mandates these boards to submit detailed annual reports to the legislature, including budget documents, audit copies, and descriptions of fee changes requiring public hearings. It also requires boards to comply with state procurement rules and hold public hearings before adjusting fees. These changes apply broadly to all semi-independent boards currently operating outside standard state fiscal oversight.