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IntroducedFeb 02, 2026
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Passed HouseFeb 17, 2026
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Passed Senate
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Became Law
Oregon House Bill
Relating to consumer finance loans; prescribing an effective date.
Last Action See all actions
Senate • Feb 25, 2026: Public Hearing and Work Session held.
Latest Bill Text See all bill texts
Summary
Comments on HB 4116
Tweets
Whip Lists
Sponsors



- Tom Andersenprimary
- Lamar Wiseprimary
- Wlnsvey Camposprimary
- Jeff Goldenprimary
- Deb Pattersonprimary
- Floyd Prozanskiprimary
- Farrah Chaichicosponsor
- Mark Gambacosponsor
- David Gombergcosponsor
- Ken Helmcosponsor
- Lesly Muñozcosponsor
- Nancy Nathansoncosponsor
- Travis Nelsoncosponsor
- Lew Frederickcosponsor
- Kayse Jamacosponsor
- Khanh Phamcosponsor
- Janeen Sollmancosponsor
- Susan McLaincosponsor
- Zach Hudsoncosponsor
- Jules Walterscosponsor
- Thuy Trancosponsor
Votes
YES: 25
- Kim Wallan
- Matt Bunch
- Kevin Mannix
- Ed Diehl
- Dwayne Yunker
- Emerson Levy
- Jeffrey Helfrich
- Court Boice
- Annessa Hartman
- E. Werner Reschke
- Alek Skarlatos
- Gregory Smith
- Mark Owens
- Darin Harbick
- Boomer Wright
- Darcey Edwards
- Emily McIntire
- Virgle Osborne
- Bobby Levy
- Anna Scharf
- Jami Cate
- Paul Evans
- Vikki Breese-Iverson
- Shelly Boshart Davis
- Lucetta Elmer
NO: 33
- Shannon Isadore
- Nancy Nathanson
- Zach Hudson
- Travis Nelson
- Lesly Muñoz
- Thuy Tran
- Farrah Chaichi
- Ben Bowman
- Tawna Sanchez
- Dacia Grayber
- Nathan Sosa
- Mark Gamba
- Cyrus Javadi
- Mari Watanabe
- Julie Fahey
- Jason Kropf
- Willy Chotzen
- Sarah McDonald
- Susan McLain
- Ricki Ruiz
- April Dobson
- Jules Walters
- John Lively
- Pam Marsh
- Lisa Fragala
- Lamar Wise
- Tom Andersen
- Sue Rieke Smith
- David Gomberg
- Rob Nosse
- Ken Helm
- Daniel Nguyen
- Hai Pham
EXCUSED: 2
YES: 31
- Shannon Isadore
- Nancy Nathanson
- Zach Hudson
- Travis Nelson
- Lesly Muñoz
- Thuy Tran
- Farrah Chaichi
- Ben Bowman
- Tawna Sanchez
- Dacia Grayber
- Nathan Sosa
- Mark Gamba
- Annessa Hartman
- Cyrus Javadi
- Mari Watanabe
- Julie Fahey
- Jason Kropf
- Willy Chotzen
- Sarah McDonald
- Susan McLain
- Ricki Ruiz
- April Dobson
- Jules Walters
- Pam Marsh
- Lisa Fragala
- Lamar Wise
- Tom Andersen
- Paul Evans
- David Gomberg
- Rob Nosse
- Ken Helm
NO: 24
- Kim Wallan
- Matt Bunch
- Kevin Mannix
- Ed Diehl
- Dwayne Yunker
- Emerson Levy
- Court Boice
- E. Werner Reschke
- Alek Skarlatos
- Gregory Smith
- Mark Owens
- Boomer Wright
- Darcey Edwards
- Emily McIntire
- Virgle Osborne
- John Lively
- Anna Scharf
- Jami Cate
- Sue Rieke Smith
- Vikki Breese-Iverson
- Shelly Boshart Davis
- Daniel Nguyen
- Hai Pham
- Lucetta Elmer
Actions
- Feb 25, 2026 | Senate
- Public Hearing and Work Session held.
- Feb 23, 2026 | Senate
- Public Hearing held.
- Feb 19, 2026 | Senate
- First reading. Referred to President's desk.
- Referred to Labor and Business.
- Feb 17, 2026 | House
- Motion to substitute Minority Report for Committee Report failed.
- Third reading. Carried by Sosa. Passed.
- Vote explanation(s) filed by Levy E, Nguyen D.
- Feb 16, 2026 | House
- Second reading.
- Feb 13, 2026 | House
- Recommendation: Do pass.
- Minority Recommendation: Do pass with amendments and be printed A-Engrossed.
- Feb 10, 2026 | House
- Work Session held.
- Feb 03, 2026 | House
- Public Hearing held.
- Feb 02, 2026 | House
- First reading. Referred to Speaker's desk.
- Referred to Commerce and Consumer Protection.
Bill Texts
- IntroducedPDF
- House Minority Amendments to IntroducedPDF
- Minority Report A-EngrossedPDF
- House CCP Amendment 1 (Proposed, 2026-02-05T10:58:44.097)PDF
- House CCP Amendment 1 (Proposed, 2026-02-08T11:32:39.427)PDF
- House CCP Amendment MR2 (Proposed, 2026-02-11T16:12:36.447)PDF
- Senate LB Amendment 3 (Proposed, 2026-02-25T10:17:01.883)PDF
- Senate LB Amendment MR4 (Proposed, 2026-02-26T14:05:43.58)PDF
Documents
- Staff Revenue Impact Statement -- Senate Committee On Labor and Business 2/25/2026 (IS_Impact HB 4116 INTRO)PDF
- Staff Fiscal Impact Statement -- Senate Committee On Labor and Business 2/25/2026 (IS_Impact HB 4116 INTRO)PDF
- Jesse Ellis O'Brien, Policy Manager, DCBS Meeting Material -- Senate Committee On Labor and Business 2/25/2026 (HB 4116 - Jesse Ellis O'Brien (outstanding questions))PDF
- Staff Preliminary SMS -- Senate Committee On Labor and Business 2/25/2026 (HB 4116 -3 Preliminary SMS)PDF
- staff Witness Registration -- Senate Committee On Labor and Business 2/25/2026 (HB 4116 (witness registration))PDF
- Staff Revenue Impact Statement -- Senate Committee On Labor and Business 2/23/2026 (IS_Impact HB 4116 INTRO)PDF
- Staff Fiscal Impact Statement -- Senate Committee On Labor and Business 2/23/2026 (IS_Impact HB 4116 INTRO)PDF
- Staff Preliminary SMS -- Senate Committee On Labor and Business 2/23/2026 (HB 4116 Preliminary SMS)PDF
- staff Witness Registration -- Senate Committee On Labor and Business 2/23/2026 (HB 4116 (witness registration))PDF
- Jesse O'Bien, Policy Manager, DCBS Meeting Material -- Senate Committee On Labor and Business 2/23/2026 (HB 4116)PDF
- Staff Fiscal Impact Statement -- House Committee On Commerce and Consumer Protection 2/10/2026 (IS_Impact HB 4116 INTRO)PDF
- Staff Revenue Impact Statement -- House Committee On Commerce and Consumer Protection 2/10/2026 (IS_Impact HB 4116 INTRO)PDF
- Staff Preliminary SMS -- House Committee On Commerce and Consumer Protection 2/10/2026 (HB 4116 -1 Preliminary SMS)PDF
- Staff Preliminary SMS -- House Committee On Commerce and Consumer Protection 2/5/2026 (HB 4116 Preliminary SMS)PDF
- Staff Fiscal Impact Statement -- House Committee On Commerce and Consumer Protection 2/5/2026 (IS_Impact HB 4116 INTRO)PDF
- Staff Revenue Impact Statement -- House Committee On Commerce and Consumer Protection 2/5/2026 (IS_Impact HB 4116 INTRO)PDF
- Staff Preliminary SMS -- House Committee On Commerce and Consumer Protection 2/3/2026 (HB 4116 Preliminary SMS)PDF
- staff Witness Registration -- House Committee On Commerce and Consumer Protection 2/3/2026 (HB 4116 (witness registration))PDF
- Testimony: Angela Donley -- Support PDF
- Testimony: Angela Donley -- Support PDF
- Testimony: Karen Saxe -- Support PDF
- Testimony: Charlie Fisher -- Support PDF
- Testimony: Charlie Fisher -- Support PDF
- Testimony: Danielle Fagre Arlowe -- Oppose PDF
- Testimony: Phil Goldfeder -- Oppose PDF
- Testimony: Phil Goldfeder -- Oppose PDF
- Testimony: Jesse O'Brien -- Support PDF
- Testimony: Jesse O'Brien -- Support PDF
- Testimony: Andrew Duke -- Oppose Online Lenders AlliancePDF
- Testimony: Leo Garcia -- Oppose Financial Technology AssociationPDF
- Testimony: Leo Garcia -- Oppose Financial Technology AssociationPDF
- Testimony: Leo Garcia -- Oppose Financial Technology AssociationPDF
- Testimony: Montana Lewellen -- Oppose PDF
- Testimony: Montana Lewellen -- Oppose PDF
- Testimony: Danielle Arlowe -- Oppose American Financial Services AssociationPDF
- Testimony: Samantha Klos -- Oppose Innovative Lending Platform AssociationPDF
- Testimony: Lauren Saunders -- Support National Consumer Law CenterPDF
- Testimony: Andrea Meyer -- Support PDF
- Testimony: Andrea Meyer -- Support PDF
- Testimony: Megan Quintrell -- Support Consumer Alliance of OregonPDF
- Testimony: State Representative Lamar Wise -- Support PDF
- Testimony: Suzanne Veaudry Casaus -- Support MESOPDF
- Testimony: Jamie Pang -- Support PDF
- Testimony: Michelle Druce -- Support Oregon Consumer LeaguePDF
- Testimony: Michelle Druce -- Support Oregon Consumer LeaguePDF
- Testimony: Harper Haverkamp -- Support AFT-OregonPDF
- Testimony: Ellen Harnick -- Support PDF
- Testimony: Nansi Lopez -- Support PDF
- Testimony: Nansi Lopez -- Support PDF
- Testimony: Courtney Neron Misslin -- Support PDF
- Testimony: Paul Evans -- Neutral PDF
- Testimony: Andrew Duke -- Oppose PDF
- Testimony: Andrew Duke -- Oppose PDF
- Testimony: Andrew Duke -- Oppose PDF
- Testimony: Elaine Lavington -- Oppose PDF
- Testimony: D Torres -- Oppose PDF
- Testimony: Catherine Brennan -- Oppose PDF
- Testimony: Parris Sanz -- Oppose PDF
- Testimony: Parris Sanz -- Oppose PDF
- Testimony: Parris Sanz -- Oppose PDF
- Testimony: Danielle Arlowe -- Oppose PDF
- Testimony: Ruppert Reinstadler -- Oppose PDF
- Testimony: JL Wilson -- Oppose PDF
- Testimony: Joseph Horvath -- Oppose PDF
- Testimony: Megan Quintrell -- Support PDF
- Testimony: Megan Quintrell -- Support PDF
- Testimony: Kathleen Wilson -- Oppose PDF
- Testimony: Daysi Bedolla Sotelo -- Support OHEAPDF
- Testimony: Patrice Onwuka -- Oppose Independent WomenPDF
- Testimony: Parris Sanz -- Oppose WebBankPDF
- Testimony: Parris Sanz -- Oppose WebBankPDF
- Testimony: Ashley Urisman -- Oppose American Fintech CouncilPDF
- Testimony: Chris Coughlin -- Support PDF
- Testimony: Chris Coughlin -- Support PDF
- Testimony: Mike Powers -- Support PDF
- Testimony: Ellen Harnick -- Support Center for Responsible LendingPDF
- Testimony: Jessica Whitney -- Support PDF
- Testimony: Kelsey Wilson -- Oppose PDF
- Testimony: David Wall -- Oppose Mr Oregon OPPOSE HB 4116PDF
- Testimony: Max Raymond -- Oppose Robert SingletonPDF
- Floor Letter: Rep Sosa -- 2/17/2026PDF
