ORS § 86.245 — OR Code / Title 9 / Chapter 86 / Section 86.245
86.245 Interest on security protection deposits
Status: in_force

(1) As used in this section, “discount rate” means the auction average rate on 91-day United States Treasury bills, as established by the most recent auction of such Treasury bills, as published by the United States Department of the Treasury, Bureau of the Public Debt, less 100 basis points.

(2) Except as provided in subsections (5) and (7) of this section, any lender who requires a lender’s security protection provision in connection with a real estate loan agreement shall pay interest to the borrower on funds deposited in the account at a rate not less than the discount rate. The discount rate shall be determined with reference to the most recent auction date before May 15 and November 15 each year.

(3) The rate of interest payable on the account shall be adjusted semiannually to reflect changes in the discount rate. These adjustments shall be calculated on May 15 and November 15 each year. Adjustments calculated on May 15 shall take effect on the following July 1, and adjustments calculated on November 15 shall take effect on the following January 1.

(4) Interest shall be computed on the average monthly balance in the account and shall be paid not less than quarterly to the borrower by crediting to the escrow account the amount of the interest due.

(5) Except as provided in subsection (6) of this section, this section does not apply to real estate loan agreements entered into prior to September 1, 1975, or on which the payment of interest on a lender’s security protection provision violates any state or federal law or regulation.

(6) If federal law or regulation does not prohibit the payment of interest on a lender’s security protection provision by federally chartered or organized lenders, this section applies to the federally chartered or organized lenders and the state chartered or organized lenders that are similar to the federally chartered or organized lenders with respect to a lender’s security protection provision executed in connection with real estate loan agreement entered into prior to and in existence on September 1, 1975.

(7) This section does not apply to real estate loan agreements made by, held for sale to or sold to the State of Oregon. [1975 c.337 §8; 1979 c.327 §29; 1983 c.492 §1; 1987 c.577 §2; 1995 c.182 §2; 1997 c.68 §1; 2005 c.3 §1]

Source: Section 86.245 — Interest on security protection deposits; exception , https://www.­oregonlegislature.­gov/bills_laws/ors/ors086.­html (accessed May 26, 2025).
ORS § 86.640 — OR Code / Title 9 / Chapter 86 / Section 86.640
86.640 Applicability of other laws requiring security or regulating loans and investments
Status: in_force

No law of this state requiring security upon which loans or investments may be made, or prescribing the nature, amount or form of such security, or prescribing or limiting the period for which loans or investments may be made, shall apply to loans or investments made pursuant to ORS 86.610 (Power of financial institutions, fiduciaries and others to make loans secured by property insured by Federal Housing Administration) and 86.620 (Investment of funds of financial institutions, fiduciaries and others in bonds and mortgages accepted by Federal Housing Administration, debentures issued thereby, and obligations of national mortgage associations) .

Source: Section 86.640 — Applicability of other laws requiring security or regulating loans and investments , https://www.­oregonlegislature.­gov/bills_laws/ors/ors086.­html (accessed May 26, 2025).
ORS § 87.855 — OR Code / Title 9 / Chapter 87 / Section 87.855
87.855 Lien for contributions to employee benefit plan
Status: in_force

(1) Every employer who is required to pay contributions, by agreement or otherwise, into a fund of any employee benefit plan in order that the employer’s employee may participate therein, shall pay such contributions in the required amounts and at the stipulated time or each employee affected thereby shall have a lien on the earnings and on all property used in the operation of the employer’s business to the extent of the moneys plus any penalties due to be paid by or on the employee’s behalf in order to qualify the employee for participation therein, and for any moneys expended or obligations incurred for medical, hospital or other expenses to which the employee would have been entitled had such required contributions been paid.

(2) The lien described in this section shall have priority over all other liens and encumbrances which may attach after such lien is filed pursuant to ORS 87.860 (Filing of claim of lien) (1) and also shall have priority over all other liens and encumbrances which may have attached previous to that time, but which were not filed or recorded so as to create constructive notice thereof prior to that time, and of which the lien claimant has no notice. However, the lien described in this section shall not have priority over liens for labor performed or wages. [1963 c.604 §§1,5; 1981 c.852 §8; 1985 c.774 §1]

Source: Section 87.855 — Lien for contributions to employee benefit plan; priority , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 86.778 — OR Code / Title 9 / Chapter 86 / Section 86.778
86.778 Discontinuance of foreclosure proceedings after cure of default
Status: in_force

(1) Where a trustee has commenced foreclosure of a trust deed by advertisement and sale, the grantor, the grantor’s successor in interest to all or any part of the trust property, any beneficiary under a subordinate trust deed, or any person having a subordinate lien or encumbrance of record on the property, may cure the default or defaults at any time prior to five days before the date last set for the sale. If the default consists of a failure to pay, when due, sums secured by the trust deed, the default may be cured by paying the entire amount due at the time of cure under the terms of the obligation, other than such portion as would not then be due had no default occurred. Any other default of the trust deed obligation that is capable of being cured may be cured by tendering the performance required under the obligation or trust deed. In any case, and in addition to paying the sums or tendering the performance necessary to cure the default, the person effecting the cure shall pay to the beneficiary all costs and expenses actually incurred in enforcing the obligation and trust deed, together with trustee’s and attorney fees in the amount of:

(a) A total of $1,000 for both trustee’s fees and attorney fees, or the amount actually charged by the trustee and attorney, whichever is less, if the trust deed is a residential trust deed; or

(b) Reasonable attorney fees and trustee’s fees actually charged by the trustee and attorney if the trust deed is not a residential trust deed. Any person entitled to cure the default may, either before or after reinstatement, request any court of competent jurisdiction to determine the reasonableness of the fee demanded or paid as a condition of reinstatement. The court may award attorney fees to the prevailing party. An action to determine reasonable attorney fees or trustee’s fees under this section shall not forestall any sale or affect its validity.

(2) After cure of the default under subsection (1) of this section, all proceedings under ORS 86.764 (Notice of sale for certain persons) to 86.782 (Sale of property) shall be dismissed by the trustee, and the obligation and trust deed shall be reinstated and shall remain in force the same as if no acceleration had occurred. [Formerly 86.753]

Source: Section 86.778 — Discontinuance of foreclosure proceedings after cure of default , https://www.­oregonlegislature.­gov/bills_laws/ors/ors086.­html (accessed May 26, 2025).
ORS § 87.685 — OR Code / Title 9 / Chapter 87 / Section 87.685
87.685 Definitions for ORS 87.685 to 87.695
Status: in_force

As used in ORS 87.685 (Definitions for ORS 87.685 to 87.695) to 87.695 (Short title) :

(1) “Default” means a failure to perform in a timely manner any obligation or duty set forth in a rental agreement.

(2) “Last known address” means a physical or electronic mail address that an occupant provided in the latest rental agreement or the physical or electronic mail address the occupant provided in a subsequent written notice of a change of address.

(3) “Occupant” means a person or a sublessee, successor or assignee of the person who is entitled, under a rental agreement, to the exclusive use of specified individual storage space at a self-service storage facility.

(4) “Owner” means an owner, operator, lessor or sublessor of a self-service storage facility or an agent or any other person that the owner, operator, lessor or sublessor authorizes to manage the facility or to receive rent from an occupant under a rental agreement.

(5) “Personal property” means movable property that is not affixed to land and includes, but is not limited to, goods, merchandise, household items and watercraft.

(6) “Rental agreement” means a written agreement or lease that establishes or modifies terms, conditions, rules or any other provisions concerning an occupant’s use and occupancy of a self-service storage facility.

(7) Intentionally left blank —Ed.

(a) “Self-service storage facility” means real property that is designed and used for renting or leasing individual storage space to occupants who have exclusive access to the storage space to store or remove personal property.

(b) “Self-service storage facility” does not include:

(A) A warehouse or other facility that a person uses to store personal property for which the person that operates the facility issues a warehouse receipt, bill of lading or other document of title under ORS chapter 77; or

(B) Real property that a person uses for residential purposes.

(8) “Verified mail” means any method of mailing that the United States Postal Service or a private delivery service offers that provides evidence of mailing. [1997 c.374 §2; 2009 c.181 §111; 2013 c.209 §3]

Source: Section 87.685 — Definitions for ORS 87.685 to 87.695 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 87.750 — OR Code / Title 9 / Chapter 87 / Section 87.750
87.750 Definitions for ORS 87.750 to 87.777
Status: in_force

As used in ORS 87.750 (Definitions for ORS 87.750 to 87.777) to 87.777 (Filing certificate of lien satisfaction upon payment for grain) , unless the context otherwise requires:

(1) “Agricultural producer” means a person that engages in or has engaged in the business of growing or producing grain for market or for delivery or transfer to others owning or holding title to the grain. “Agricultural producer” includes a landowner, producer, landlord, tenant, sharecropper or other person who participates in the growing of grain and receives a share of the grain.

(2) “Grain” means wheat, seed corn, corn used for animal feed, oats, barley, rye, flaxseed, certified alfalfa seed, agricultural seed as defined in ORS 633.511 (Definitions for ORS 633.511 to 633.750) (1), vegetable seed as defined in ORS 633.511 (Definitions for ORS 633.511 to 633.750) , the seed of any cereal grain, soybeans, grain sorghum, dry beans and dry peas and any other grain for which standards are established or followed by the State Department of Agriculture.

(3) “Inventory” means all grain purchased or received from agricultural producers, whether in bulk lots or in blended or packaged form. “Inventory” does not include the equipment or supplies of the person holding or owning the grain.

(4) “Person” means individual, corporation, partnership, association, joint stock company, business trust, limited liability company, limited liability partnership, cooperative, government entity, unincorporated organization or other business entity. [1981 c.446 §2; 1983 c.141 §1; 1995 c.371 §10; 2001 c.301 §17]

Source: Section 87.750 — Definitions for ORS 87.750 to 87.777 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 86.265 — OR Code / Title 9 / Chapter 86 / Section 86.265
86.265 Effect of lender violation of ORS 86.205 to 86.275
Status: in_force

A violation of ORS 86.205 (Definitions for ORS 86.205 to 86.275) to 86.275 (Severability) by a lender shall render the lender’s security protection provision voidable at the option of the borrower, and the lender shall be liable to the borrower in an amount equal to:

(1) The borrower’s actual damages or $100, whichever is greater, and

(2) In the case of any successful action to enforce the foregoing liability, the court costs of the action together with reasonable attorney fees at trial and on appeal as determined by the court if the court finds that written demand for the payment of the borrower’s claim was made on the lender not less than 10 days before the commencement of the action. No attorney fees shall be allowed to the borrower if the court finds that the lender tendered to the borrower, prior to the commencement of the action, an amount not less than the damages awarded to the borrower. [1975 c.337 §14; 1981 c.897 §19]

Source: Section 86.265 — Effect of lender violation of ORS 86.205 to 86.275 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors086.­html (accessed May 26, 2025).
ORS § 86a.212 — OR Code / Title 9 / Chapter 86a / Section 86a.212
86A.212 Findings required for issuing license
Status: in_force

(1) The Director of the Department of Consumer and Business Services may not issue a mortgage loan originator’s license to an applicant unless the director finds, at a minimum, that the applicant:

(a) Has obtained a unique identifier from the Nationwide Mortgage Licensing System and Registry.

(b) Has not had a mortgage loan originator’s license revoked in another jurisdiction. For purposes of this paragraph, an applicant’s mortgage loan originator’s license was not revoked if an order or decision to revoke the license was later rescinded or vacated.

(c) Has not been convicted of or pleaded guilty or no contest in a state, federal, foreign or military court to a felony or to a misdemeanor if an essential element of the misdemeanor involved false statements or dishonesty:

(A) During a period of seven years before the date the applicant submits an application under ORS 86A.206 (Application for license) ; or

(B) At any time before the date the applicant submits an application under ORS 86A.206 (Application for license) , if the conviction or plea involved a felony and an element of the felony was an act of fraud, dishonesty, a breach of trust or laundering a monetary instrument. For purposes of this paragraph, a conviction that was later pardoned is not a conviction.

(d) Has demonstrated financial responsibility sufficient to command the confidence of the community and warrant the determination that the applicant will operate honestly, fairly and efficiently within the purposes of ORS 86A.200 (Definitions) to 86A.239 (Display of license and unique identifier) .

(e) Has completed the education requirement set forth in ORS 86A.215 (Education and testing requirements for license) and passed a test that meets the standards set forth in ORS 86A.215 (Education and testing requirements for license) .

(f) Is covered by a surety bond in accordance with the provisions of ORS 86A.227 (Corporate surety bond required) .

(2) The director may not:

(a) Deny a mortgage loan originator’s license to an applicant because of the applicant’s credit score; or

(b) Use information in a credit report as the sole basis for denying the mortgage loan originator’s license.

(3) The director shall issue a mortgage loan originator’s license to an applicant if:

(a) The director is satisfied that the information contained in the application for a mortgage loan originator’s license is accurate and complete; and

(b) No reason exists under subsection (1) of this section to deny the applicant a mortgage loan originator’s license.

(4) The director by rule may specify criteria for determining financial responsibility under subsection (1)(d) of this section. [2009 c.863 §4]

Source: Section 86A.212 — Findings required for issuing license; basis for denial; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors86A.­html (accessed May 26, 2025).
ORS § 88.040 — OR Code / Title 9 / Chapter 88 / Section 88.040
88.040 Foreclosure suit during and after action for debt
Status: in_force

During the pendency of an action for the recovery of a debt secured by any lien mentioned in ORS 88.010 (Foreclosure of lien by suit) , a suit cannot be maintained for the foreclosure of the lien, nor thereafter, unless judgment is given in such action that the plaintiff recover the debt or some part thereof, and an execution thereon against the property of the defendant is returned unsatisfied in whole or in part.

Source: Section 88.040 — Foreclosure suit during and after action for debt , https://www.­oregonlegislature.­gov/bills_laws/ors/ors088.­html (accessed May 26, 2025).
ORS § 87.870 — OR Code / Title 9 / Chapter 87 / Section 87.870
87.870 Definitions for ORS 87.870 to 87.876
Status: in_force

For purposes of ORS 87.870 (Definitions for ORS 87.870 to 87.876) to 87.876 (Sale of mold) , “customer,” “mold” and “molder” have the meanings given those terms in ORS 98.470 (Definitions for ORS 98.470 to 98.490) . [2001 c.863 §2]

Source: Section 87.870 — Definitions for ORS 87.870 to 87.876 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 86.797 — OR Code / Title 9 / Chapter 86 / Section 86.797
86.797 Effect of sale
Status: in_force

(1) If, under ORS 86.705 (Definitions for ORS 86.705 to 86.815) to 86.815 (Time within which foreclosure must be commenced) , a trustee sells property covered by a trust deed, the trustee’s sale forecloses and terminates the interest in the property that belongs to a person to which notice of the sale was given under ORS 86.764 (Notice of sale for certain persons) and 86.774 (Service and publication of notice) or to a person that claims an interest by, through or under the person to which notice was given. A person whose interest the trustee’s sale foreclosed and terminated may not redeem the property from the purchaser at the trustee’s sale. A failure to give notice to a person entitled to notice does not affect the validity of the sale as to persons that were notified.

(2) Except in accordance with subsection (4) of this section, an action for a deficiency may not be brought after a trustee’s sale under ORS 86.705 (Definitions for ORS 86.705 to 86.815) to 86.815 (Time within which foreclosure must be commenced) or after a judicial foreclosure of a residential trust deed, and a judgment to foreclose a residential trust deed under ORS 88.010 (Foreclosure of lien by suit) may not include a money award for the amount of the debt against the grantor, the grantor’s successor in interest or another person obligated on:

(a) The note, bond or other obligation secured by the trust deed for the property that was subject to the trustee’s sale or the judicial foreclosure; or

(b) Any other note, bond or other obligation secured by a residential trust deed for, or mortgage on, the property that was subject to the trustee’s sale or the judicial foreclosure when the debt, of which the note, bond or other obligation is evidence:

(A) Was created on the same day as, and used as part of the same purchase or repurchase transaction as, the note, bond or other obligation secured by the foreclosed residential trust deed; and

(B) Is owed to or was originated by the beneficiary or an affiliate of the beneficiary in the residential trust deed that was subject to the trustee’s sale or the foreclosure.

(3) Notwithstanding ORS 88.103 (Sale of real property after mortgage foreclosure) , if a judicial foreclosure of a trust deed that is not a residential trust deed results in a judgment that includes a money award, the judgment must provide that execution may issue for the amount by which the unpaid balance of the money award exceeds the net sale proceeds that are payable to the judgment creditor from the sale of the property that is subject to the foreclosure if:

(a) The net sale proceeds are insufficient to satisfy the money award; and

(b) The plaintiff requests the provision in the complaint.

(4) This section does not preclude:

(a) An action that forecloses, judicially or nonjudicially:

(A) Other property covered by the trust deed that is the subject of the foreclosure; or

(B) Another trust deed, mortgage, security agreement, consensual or nonconsensual security interest or lien that covers other real or personal property that is also used as security for the note, bond or other obligation that is secured by the trust deed for the property that was sold.

(b) An action against a guarantor for a deficiency that remains after a judicial foreclosure.

(5) A guarantor of an obligation secured by a residential trust deed may not recover a deficiency from the grantor or a successor in interest of the grantor. [Formerly 86.770; 2015 c.291 §3]

Source: Section 86.797 — Effect of sale; actions for deficiency; restrictions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors086.­html (accessed May 26, 2025).
ORS § 86.786 — OR Code / Title 9 / Chapter 86 / Section 86.786
86.786 Request for information from trustee
Status: in_force

(1) Not later than 15 days before the date of a sale of property set forth in the notice of sale under ORS 86.771 (Contents of notice of sale) , the grantor, an occupant, a holder of a junior lien or any other person interested in bidding at the sale may send a written request to the trustee requesting that the trustee provide a written statement of information as described in ORS 86.789 (Information provided by trustee) .

(2) The written request under subsection (1) of this section shall be sent to the trustee at the address given in the notice of sale by:

(a) Certified mail, return receipt requested; or

(b) Personal delivery.

(3) The written request under subsection (1) of this section shall include a mailing address, a facsimile number or an electronic mail address to which the trustee shall send the written statement of information.

(4) The trustee is not required to respond to a written request that does not include an address, facsimile number or electronic mail address described in subsection (3) of this section.

(5) Upon receiving a written request under subsection (1) of this section, the trustee shall send the written statement of information to the address, facsimile number or electronic mail address provided in the written request at least seven days prior to the date of the sale. If the person requesting the written statement of information provided a mailing address, the trustee shall send the written statement of information by certified mail, return receipt requested and by first class mail. [Formerly 86.757]

Source: Section 86.786 — Request for information from trustee , https://www.­oregonlegislature.­gov/bills_laws/ors/ors086.­html (accessed May 26, 2025).
ORS § 87.501 — OR Code / Title 9 / Chapter 87 / Section 87.501
87.501 Definitions for ORS 87.501 to 87.542
Status: in_force

As used in ORS 87.501 (Definitions for ORS 87.501 to 87.542) to 87.542 (Priority of lien) , unless the context requires otherwise:

(1) “Authorized representative” means a person appointed under ORS chapter 125 as a guardian or conservator of an individual and any other person holding funds or receiving benefits or income on behalf of an individual.

(2) “Care” means all the services rendered in a long term care facility, including but not limited to medical care, room and board, nursing care, administrative costs, supplies, equipment and ancillary services such as therapies.

(3) “Decedent” means an individual who has died leaving property that is subject to administration.

(4) “Decedent’s estate” means the real and personal property of a decedent, as from time to time changed in form by sale, reinvestment or otherwise, and augmented by any accretions or additions thereto and substitutions therefor or diminished by any decreases and distributions therefrom. The term does not include assets placed in trust for the decedent by other persons.

(5) “Long term care facility” means facilities licensed as skilled nursing facilities or intermediate care facilities, as those terms are defined in ORS 442.015 (Definitions) , and residential care facilities and adult foster homes licensed under ORS chapter 443. [1995 c.749 §1; 1997 c.249 §29; 1997 c.744 §1; 2001 c.104 §26]

Note: 87.501 (Definitions for ORS 87.501 to 87.542) to 87.542 (Priority of lien) were enacted into law by the Legislative Assembly but were not added to or made a part of ORS chapter 87 or any series therein by legislative action. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 87.501 — Definitions for ORS 87.501 to 87.542 , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 86.806 — OR Code / Title 9 / Chapter 86 / Section 86.806
86.806 Requests for copies of notice of default or notice of sale
Status: in_force

At any time subsequent to the recordation of a trust deed and prior to a recording of notice of default under the deed, any person desiring a copy of any notice of default or any notice of sale under a trust deed as provided in ORS 86.764 (Notice of sale for certain persons) (1) may cause to be filed for record in the county clerk’s office of the county or counties in which any part or parcel of the real property is situated, a duly acknowledged request for a copy of any notice of sale or default where service is made upon the trustee. The request shall contain the name and address of the person requesting copies of the notice or notices and shall identify the trust deed by stating the names of the parties to the deed, the date of recordation of the deed and the book and page where the deed is recorded. The county clerk shall immediately make a cross-reference of the request to the trust deed, either on the margin of the page where the trust deed is recorded or in some other suitable place. No request, statement or notation placed on the record pursuant to this section shall affect title to the property or be deemed notice to any person that any person so recording the request has any right, title, interest in, lien or charge upon the property referred to in the trust deed. [Formerly 86.785]

Source: Section 86.806 — Requests for copies of notice of default or notice of sale , https://www.­oregonlegislature.­gov/bills_laws/ors/ors086.­html (accessed May 26, 2025).
ORS § 86a.327 — OR Code / Title 9 / Chapter 86a / Section 86a.327
86A.327 Complaints
Status: in_force

(1) If the Director of the Department of Consumer and Business Services receives a complaint concerning a person that services a residential mortgage loan, the director:

(a) Shall notify the person of the complaint, provide a copy of the complaint in the notice and require the person to respond to the complaint and to the director within 30 days after the date of the notice;

(b) May investigate the complaint and require the person to provide books, accounts, papers, records, files, correspondence, contracts and agreements, disclosures, documentation and other information, material or evidence necessary for the director’s investigation; and

(c) May investigate the person and the person’s policies and practices with respect to servicing a residential mortgage loan and require the person to provide books, accounts, papers, records, files, documentation and other information, material or evidence necessary for the director’s investigation.

(2) Intentionally left blank —Ed.

(a) Except as provided in paragraph (b) of this subsection, books, accounts, papers, records, files, correspondence, contracts and agreements, disclosures, documentation and other information, material or evidence the director receives or possesses as a consequence of an investigation under subsection (1) of this section are confidential unless state or federal law or a court order permits or requires disclosure.

(b) The director may share any item listed in paragraph (a) of this subsection with any state or federal agency.

(3) The director may charge and collect from a person the director investigates under this section the costs the director incurs in conducting the investigation. [2017 c.636 §10]

Source: Section 86A.327 — Complaints; director’s power to investigate; confidentiality; exceptions , https://www.­oregonlegislature.­gov/bills_laws/ors/ors86A.­html (accessed May 26, 2025).
ORS § 87.336 — OR Code / Title 9 / Chapter 87 / Section 87.336
87.336 Costs and attorney fees in foreclosure by suit
Status: in_force

In suits to foreclose the liens created by ORS 87.216 (Nonpossessory lien for labor or material expended on chattel) to 87.232 (Fishing lien and fish worker’s lien) , the court shall, upon entering judgment for the lien claimant, allow as part of the lien the moneys paid for the filing or recording of the lien as provided in ORS 87.910 (Cost of preparing lien notice) . The court shall also allow reasonable attorney fees at trial and on appeal to the prevailing party. [1975 c.648 §38; 1981 c.897 §22; 1981 c.898 §45]

Source: Section 87.336 — Costs and attorney fees in foreclosure by suit , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 87.256 — OR Code / Title 9 / Chapter 87 / Section 87.256
87.256 Limitation on extent of liens
Status: in_force

Persons claiming liens created by ORS 87.216 (Nonpossessory lien for labor or material expended on chattel) to 87.232 (Fishing lien and fish worker’s lien) are only entitled to liens for labor, services or materials performed or furnished during the six months immediately preceding the filing of the notice of claim under ORS 87.242 (Filing notice of claim of lien) . [1975 c.648 §24]

Source: Section 87.256 — Limitation on extent of liens , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 86.210 — OR Code / Title 9 / Chapter 86 / Section 86.210
86.210 Types of lender security protection provisions allowed
Status: in_force

A lender may require a lender’s security protection provision under ORS 86.205 (Definitions for ORS 86.205 to 86.275) to 86.275 (Severability) either as a direct reduction provision, an escrow account, or a pledge of an interest-bearing savings account in an amount not to exceed the maximum amount which a lender may require a borrower to deposit in a lender’s security protection provision under ORS 86.240 (Limit on amount required in security protection escrow account) and bearing interest at a rate not less than the rate required on lender’s security protection provisions by ORS 86.245 (Interest on security protection deposits) . [1975 c.337 §2; 1987 c.577 §1]

Source: Section 86.210 — Types of lender security protection provisions allowed , https://www.­oregonlegislature.­gov/bills_laws/ors/ors086.­html (accessed May 26, 2025).
ORS § 86.040 — OR Code / Title 9 / Chapter 86 / Section 86.040
86.040 Improvements on mortgaged lands
Status: in_force

No person shall sell, dispose of, remove or damage any building or other improvements upon mortgaged lands. All such improvements are deemed a part of the mortgaged property and are subject to the mortgage lien. When any improvements are removed from the mortgaged premises in violation of this section, the mortgagee may follow and regain possession of such improvements wherever found or may recover the reasonable value thereof from the person removing them.

Source: Section 86.040 — Improvements on mortgaged lands , https://www.­oregonlegislature.­gov/bills_laws/ors/ors086.­html (accessed May 26, 2025).
ORS § 86.610 — OR Code / Title 9 / Chapter 86 / Section 86.610
86.610 Power of financial institutions, fiduciaries and others to make loans secured by property insured by Federal Housing Administration
Status: in_force

Financial institutions as defined in ORS 706.008 (Additional definitions for Bank Act) , trustees, guardians, conservators, executors, administrators, other fiduciaries and all other persons, associations and corporations, subject to the laws of this state, may make such loans, secured by real property or leasehold, as the Federal Housing Administration insures or makes a commitment to insure, and may obtain such insurance. [Amended by 1967 c.359 §678; 1973 c.823 §93; 1997 c.631 §386; 2019 c.13 §21]

Source: Section 86.610 — Power of financial institutions, fiduciaries and others to make loans secured by property insured by Federal Housing Administration , https://www.­oregonlegislature.­gov/bills_laws/ors/ors086.­html (accessed May 26, 2025).
ORS § 87.430 — OR Code / Title 9 / Chapter 87 / Section 87.430
87.430 Possessory lien of attorney or other member of bar
Status: in_force

An attorney or other member of the Oregon State Bar licensed to practice law has a lien for compensation whether specially agreed upon or implied, upon all papers, personal property and money of the client in the possession of the attorney or member for services rendered to the client. The attorney or member may retain the papers, personal property and money until the lien created by this section, and the claim based thereon, is satisfied, and the attorney or member may apply the money retained to the satisfaction of the lien and claim. [1975 c.648 §56 (enacted in lieu of 87.495); 2023 c.72 §37]

Source: Section 87.430 — Possessory lien of attorney or other member of bar , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 87.575 — OR Code / Title 9 / Chapter 87 / Section 87.575
87.575 Lien docket
Status: in_force

Each recording officer shall maintain a lien docket in which, upon the filing of a notice of lien, the recording officer shall enter the name of the injured person, the approximate date of the hospitalization services or medical treatment, the name and address of the hospital filing the notice and the amount claimed and the name and address of the physician, physician assistant or nurse practitioner filing the notice and the amount claimed. The recording officer shall make an index thereto in the names of the injured persons. [Amended by 1989 c.727 §5; 1999 c.146 §5; 2014 c.45 §8]

Source: Section 87.575 — Lien docket , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 87.570 — OR Code / Title 9 / Chapter 87 / Section 87.570
87.570 Form of notice
Status: in_force

The form of the notice required by ORS 87.565 (Notice of lien required) shall be substantially as follows:

Notice is hereby given that ______ has rendered hospitalization services or medical treatment for ______, a person who was injured on the ___ day of ______ in the city of ______, county of ______, State of ______, on or about the ___ day of ______, and the ______ (name of claimant) hereby claims a lien upon any money due or owing or any claim for compensation, damages, contribution, settlement, award or judgment from any person alleged to have caused the injuries and any other person liable for the injury or obligated to compensate the injured person on account of the injuries. The lien applies to any person or insurer that provides for payment for hospitalization services or medical treatment rendered to the injured person, including an insurer that provides personal injury protection coverage or similar no-fault medical insurance. The hospitalization services or medical treatment was rendered to the injured person between the ______ day of ______ and the ___ day of ______.

Thirty days have not elapsed since that time. The claimant’s demand for hospitalization services or medical treatment is in the sum of $_____ and no part thereof has been paid, except $_____, and there is now due and owing and remaining unpaid thereof, after deducting all credits and offsets the sum of $_____, in which amount lien is hereby claimed.

____________, Claimant.

State of Oregon, )

) ss.

County of ___ )

I, ______, being first duly sworn on oath say: That I am ______ named in the foregoing claim of lien; that I have read the same and know the contents thereof and believe the same to be true.

_______________

Subscribed and sworn to before me this ___ day of ______, 2___.

_______________, Notary Public.

[Amended by 1989 c.727 §4; 1995 c.100 §2; 1999 c.146 §4; 2001 c.104 §27; 2007 c.71 §20]

Source: Section 87.570 — Form of notice , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 87.694 — OR Code / Title 9 / Chapter 87 / Section 87.694
87.694 Late fee
Status: in_force

An owner may charge and collect a reasonable fee for an occupant’s late payment of rent due for use of an individual storage space in a self-service storage facility. The rental agreement must specify the amount of the fee and the date on which the owner may charge the fee. The owner may charge the fee once in each month in which the occupant fails to pay the rent due or pays the rent due later than the due date specified in the rental agreement. For purposes of this section, a fee is reasonable if the fee does not exceed the greater of $20 or 20 percent of the monthly rent due for the individual storage space. The owner may charge and collect the late fee in addition to any other fees authorized by law or under the rental agreement. [2013 c.209 §2]

Source: Section 87.694 — Late fee; requirements , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 87.831 — OR Code / Title 9 / Chapter 87 / Section 87.831
87.831 Short title
Status: in_force

ORS 87.806 (Filing of federal tax liens) to 87.831 (Short title) may be cited as the Uniform Federal Lien Registration Act. [1967 c.445 §7; 1981 c.852 §7]

Source: Section 87.831 — Short title , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 88.020 — OR Code / Title 9 / Chapter 88 / Section 88.020
88.020 Joinder of foreclosure suit involving real property with suit to quiet title
Status: in_force

Any cause of suit involving real property provided for in ORS 88.010 (Foreclosure of lien by suit) may be joined with any cause of suit provided for in ORS 105.605 (Suits to determine adverse claims) in the same complaint or cross-complaint, if both causes of suit involve the same real property or some part thereof and are separately stated. Any person may be joined as a party who is a proper party to either cause of suit. The court, in event of such joinder, may render a judgment that will, among other things, determine the paramount title to the real property involved or any part thereof. [Amended by 2003 c.576 §346]

Source: Section 88.020 — Joinder of foreclosure suit involving real property with suit to quiet title , https://www.­oregonlegislature.­gov/bills_laws/ors/ors088.­html (accessed May 26, 2025).
ORS § 87.179 — OR Code / Title 9 / Chapter 87 / Section 87.179
87.179 Determination of adequacy of bond
Status: in_force

(1) If a lien claimant considers the bond filed with a recording officer of a county under ORS 87.177 (Bond or deposit of money for lien for storage of chattel) (1) to (3) inadequate to protect the claim of the lien claimant for some reason other than the amount of the bond, the lien claimant may petition the court in which the suit to foreclose the lien for the storage of the chattel may be brought for a determination of the adequacy of the bond. The petition must be filed within 10 days of receipt of the notice of the filing of the bond under ORS 87.177 (Bond or deposit of money for lien for storage of chattel) (4) and (5). The petition must describe in detail the reasons for the inadequacy.

(2) Not later than two days after the filing of the petition with the court, the lien claimant shall send a notice of the filing and a copy of the petition by registered or certified mail to the person who filed the bond. After a hearing, if the court determines that the bond is inadequate for one or more of the reasons described by the lien claimant, the court shall order such action as shall make the bond adequate to protect the claim of lien. [2003 c.193 §6]

Note: See note under 87.177 (Bond or deposit of money for lien for storage of chattel) .

Source: Section 87.179 — Determination of adequacy of bond , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 87.358 — OR Code / Title 9 / Chapter 87 / Section 87.358
87.358 Nurseryman’s lien
Status: in_force

A person who furnishes nursery stock of the value or agreed price of $25 or more, for planting on land, at the request of the owner of that land, or with the knowledge or consent of the owner has a lien on the land upon which the nursery stock is set out and planted for the reasonable or agreed charges for the nursery stock. If the owner has less than a fee simple estate in the land, then only the interest of the owner therein is subject to the lien created by this section. [1975 c.648 §43]

Source: Section 87.358 — Nurseryman’s lien , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 86.030 — OR Code / Title 9 / Chapter 86 / Section 86.030
86.030 Absolute deed as a mortgage
Status: in_force

When a deed purports to be an absolute conveyance in terms, but is made or intended to be made defeasible by a deed of defeasance or other instrument, the original conveyance shall not be thereby defeated or affected as against any person other than the maker of the defeasance, or the heirs or devisees of the maker, or persons having actual notice thereof, unless the instrument of defeasance is recorded with the recording officer of the county where the lands lie.

Source: Section 86.030 — Absolute deed as a mortgage , https://www.­oregonlegislature.­gov/bills_laws/ors/ors086.­html (accessed May 26, 2025).
ORS § 87.364 — OR Code / Title 9 / Chapter 87 / Section 87.364
87.364 Attachment of liens
Status: in_force

(1) The liens created by ORS 87.352 (Mining labor and material lien) to 87.358 (Nurseryman’s lien) attach to the land, mine or improvement described in those sections on the day on which the lien claimant ceases to perform the labor or transport or furnish the materials or provisions for which the lien is claimed.

(2) The lien created by ORS 87.362 (Irrigation power lien) , attaches to the land described in that section on the day of the first delivery of electricity for which the lien is claimed. [1975 c.648 §45]

Source: Section 87.364 — Attachment of liens , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 86a.103 — OR Code / Title 9 / Chapter 86a / Section 86a.103
86A.103 License required to engage in residential mortgage transactions as mortgage banker or mortgage broker
Status: in_force

(1) It is unlawful for any person to engage in residential mortgage transactions in this state as a mortgage banker or mortgage broker unless the person is licensed under ORS 86A.095 (Short title) to 86A.198 (Materials in languages other than English) . A person who is a mortgage banker or mortgage broker under ORS 86A.100 (Definitions) , but who does not engage in residential mortgage transactions in this state, is not required to obtain a license under ORS 86A.095 (Short title) to 86A.198 (Materials in languages other than English) .

(2) For purposes of this section, a person “engages in residential mortgage transactions in this state” when any act constituting the business of a mortgage banker or mortgage broker and involving a residential mortgage transaction originates from this state or is directed to and received in this state or when the real estate that is the subject of the activities of the mortgage banker or mortgage broker is located in this state. [Formerly 59.845]

Source: Section 86A.103 — License required to engage in residential mortgage transactions as mortgage banker or mortgage broker , https://www.­oregonlegislature.­gov/bills_laws/ors/ors86A.­html (accessed May 26, 2025).
ORS § 86a.121 — OR Code / Title 9 / Chapter 86a / Section 86a.121
86A.121 Cancellation of license or application
Status: in_force

(1) The Director of the Department of Consumer and Business Services may cancel an application or license if the director finds that the applicant or licensee:

(a) Has ceased to do business as a mortgage banker or mortgage broker;

(b) Has failed to maintain a corporate surety bond or irrevocable letter of credit required under ORS 86A.106 (Procedures for licensing) or 86A.227 (Corporate surety bond required) ; or

(c) Cannot be located after a reasonable search.

(2) A mortgage banker or mortgage broker may surrender a license by filing an application to surrender the license. Unless the director determines that the license should be suspended or revoked, the director shall allow the surrender subject to any conditions, limitations and restrictions the director may impose. [Formerly 59.875]

Source: Section 86A.121 — Cancellation of license or application; application to surrender license , https://www.­oregonlegislature.­gov/bills_laws/ors/ors86A.­html (accessed May 26, 2025).
ORS § 87.216 — OR Code / Title 9 / Chapter 87 / Section 87.216
87.216 Nonpossessory lien for labor or material expended on chattel
Status: in_force

A person who makes, alters, repairs, transports, stores, provides services for or performs labor on a chattel at the request of the owner of the chattel has a lien on that chattel for the reasonable or agreed charges for the labor or services the person performs and for the materials the person furnishes in connection therewith. [1975 c.648 §16]

Source: Section 87.216 — Nonpossessory lien for labor or material expended on chattel , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 87.036 — OR Code / Title 9 / Chapter 87 / Section 87.036
87.036 Subcontractor’s perfection of claim of lien
Status: in_force

(1) A subcontractor or a person that provides labor, materials or equipment for a project to renovate, remodel, repair or otherwise alter an existing owner-occupied residence may not perfect a claim of lien against the owner’s property under ORS 87.035 (Perfecting lien) if the subcontractor or the person provided or contracted to provide services, labor, materials or equipment to a contractor that was unlicensed at the earlier of the following times:

(a) The time the subcontractor or the person first contracted with the contractor for the project; or

(b) The time the person first delivered labor, materials or equipment to the project site.

(2) Subsection (1) of this section does not apply if the services, labor, materials or equipment is purchased with cash or consumer credit.

(3) The Construction Contractors Board may notify a person at the person’s request of the status of a contractor’s license using any means the board uses to notify a contractor of the contractor’s license status. The board may charge the person a fee in an amount the board specifies by rule for the cost of providing the notice to the person. [2010 c.77 §3]

Note: 87.036 (Subcontractor’s perfection of claim of lien) was added to and made a part of the Construction Lien Law by legislative action but was not added to any smaller series therein. See Preface to Oregon Revised Statutes for further explanation.

Source: Section 87.036 — Subcontractor’s perfection of claim of lien; notice; fee; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 86a.186 — OR Code / Title 9 / Chapter 86a / Section 86a.186
86A.186 Mortgage loan originator criminal records checks
Status: in_force

(1) A person that employs or intends to employ an individual as a mortgage loan originator shall conduct a state criminal records check of the individual.

(2) A person that employs or intends to employ an individual as a mortgage loan originator shall report to the Director of the Department of Consumer and Business Services the results of each state criminal records check conducted under subsection (1) of this section.

(3) The director shall adopt rules to:

(a) Implement and administer state criminal records checks required under this section; and

(b) Specify crimes and categories of crimes for which a conviction will prevent a person from acting as a mortgage loan originator under ORS 86A.183 (Prohibited conduct for mortgage bankers, mortgage brokers and mortgage loan originators) . [Formerly 59.972]

Source: Section 86A.186 — Mortgage loan originator criminal records checks; rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors86A.­html (accessed May 26, 2025).
ORS § 87.376 — OR Code / Title 9 / Chapter 87 / Section 87.376
87.376 Duration of liens
Status: in_force

If a suit to foreclose a lien created by ORS 87.352 (Mining labor and material lien) to 87.362 (Irrigation power lien) is not brought in an appropriate court within six months after the notice of claim of lien, within six months after the expiration of such extended payment, the lien shall cease to exist. A lien shall not be continued in force for a longer time than two years from the time the claim for lien is filed under ORS 87.366 (Filing notice of claim of lien) by an agreement to extend payment. [1975 c.648 §48]

Source: Section 87.376 — Duration of liens , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 86.275 — OR Code / Title 9 / Chapter 86 / Section 86.275
86.275 Severability
Status: in_force

If any section of ORS 86.205 (Definitions for ORS 86.205 to 86.275) to 86.275 (Severability) , or the application of any section to any real estate loan agreement shall be held invalid, the remainder of ORS 86.205 (Definitions for ORS 86.205 to 86.275) to 86.275 (Severability) , and the application of ORS 86.205 (Definitions for ORS 86.205 to 86.275) to 86.275 (Severability) to any real estate loan agreement other than the one or those to which it is held invalid, shall not be affected thereby. [1975 c.337 §12]

Source: Section 86.275 — Severability , https://www.­oregonlegislature.­gov/bills_laws/ors/ors086.­html (accessed May 26, 2025).
ORS § 87.465 — OR Code / Title 9 / Chapter 87 / Section 87.465
87.465 Effect of failure to file notice of claim of lien
Status: in_force

If the notice of claim of lien is not filed within the time required by ORS 87.450 (Filing notice of claim of lien on judgment for sum of money) , 87.455 (Filing notice of claim of lien on judgment for possession of personal property) or 87.460 (Filing of notice of claim of lien on judgment for possession of real property) or if the lien is not foreclosed within the time required by ORS 87.455 (Filing notice of claim of lien on judgment for possession of personal property) or 87.460 (Filing of notice of claim of lien on judgment for possession of real property) , the lien created by ORS 87.445 (Lien upon actions and judgments) shall cease to exist. [1975 c.648 §63 (enacted in lieu of 87.495)]

Source: Section 87.465 — Effect of failure to file notice of claim of lien; effect of failure to foreclose , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 87.445 — OR Code / Title 9 / Chapter 87 / Section 87.445
87.445 Lien upon actions and judgments
Status: in_force

An attorney or other member of the Oregon State Bar licensed to practice law has a lien upon actions, suits and proceedings after the commencement thereof, and judgments, orders and awards entered therein in the client’s favor and the proceeds thereof to the extent of fees and compensation specially agreed upon with the client, or if there is no agreement, for the reasonable value of the services of the attorney or member. [1975 c.648 §59 (enacted in lieu of 87.495); 2003 c.576 §338; 2023 c.72 §40]

Source: Section 87.445 — Lien upon actions and judgments , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 86a.139 — OR Code / Title 9 / Chapter 86a / Section 86a.139
86A.139 Notice of orders
Status: in_force

(1) Except as provided in ORS 183.745 (Civil penalty procedures) , upon the entry of an order under ORS 86A.095 (Short title) to 86A.198 (Materials in languages other than English) , the Director of the Department of Consumer and Business Services shall promptly give appropriate notice of the order as provided in this subsection. The notice shall state that a hearing will be held on the order if a written demand for hearing is filed with the director within 20 days after the date of service of the order. The notice shall be given to:

(a) The applicant or licensee, with respect to orders entered pursuant to ORS 86A.115 (Grounds for denying, suspending, conditioning or revoking license) ; or

(b) An interested person, with respect to orders entered pursuant to any other provision of ORS 86A.095 (Short title) to 86A.198 (Materials in languages other than English) .

(2) If a person entitled to notice of the order files a timely demand for a hearing, the director shall hold a hearing on the order as provided by ORS chapter 183. In the absence of a timely demand for a hearing, a person is not entitled to judicial review of the order.

(3) After the hearing, the director shall enter a final order vacating, modifying or affirming the order.

(4) The director may enter a final order revoking a license notwithstanding the fact that the license has expired, if the initial order of revocation was issued before the license or registration expired. [Formerly 59.905]

Source: Section 86A.139 — Notice of orders; hearings on orders , https://www.­oregonlegislature.­gov/bills_laws/ors/ors86A.­html (accessed May 26, 2025).
ORS § 87.517 — OR Code / Title 9 / Chapter 87 / Section 87.517
87.517 Recording notice of lien
Status: in_force

The recording officer of the county shall record the notices filed under ORS 87.507 (Perfecting lien) in the statutory lien record. [1995 c.749 §5; 1997 c.744 §7; 2009 c.628 §4]

Note: See note under 87.501 (Definitions for ORS 87.501 to 87.542) .

Source: Section 87.517 — Recording notice of lien , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 88.090 — OR Code / Title 9 / Chapter 88 / Section 88.090
88.090 Judgment when debt payable in installments
Status: in_force

When a suit is commenced to foreclose a lien securing a debt payable in installments, either of interest or principal, and any of such installments is not then due, the court shall enter a judgment for the foreclosure of the lien, and may also include in the judgment a requirement that the property be sold for the satisfaction of the whole debt, or so much thereof as may be necessary to satisfy the installment then due, with costs of suit. In the latter case, the judgment of foreclosure as to the remainder of the property may be enforced by an order of sale, in whole or in part, whenever default occurs in the payment of the installments not then due. [Amended by 2003 c.576 §351]

Source: Section 88.090 — Judgment when debt payable in installments , https://www.­oregonlegislature.­gov/bills_laws/ors/ors088.­html (accessed May 26, 2025).
ORS § 87.755 — OR Code / Title 9 / Chapter 87 / Section 87.755
87.755 Grain producer’s lien
Status: in_force

(1) An agricultural producer that delivers or transfers grain for consideration has a lien on the inventory of the purchaser and proceeds received by the purchaser from the selling of the inventory.

(2) The lien created by subsection (1) of this section attaches to the inventory and proceeds on the date physical possession of the grain is delivered or transferred by the agricultural producer to the purchaser or an agent of the purchaser. If grain is delivered or transferred by an agricultural producer to a person other than the purchaser for cleaning or storage, the lien attaches when the grain is physically delivered or transferred to the purchaser or an agent of the purchaser for agreed consideration.

(3) Except as provided under ORS 87.146 (Priorities of liens) (1)(c) and 87.762 (Filing notice of lien) (4), the class of lien created by subsection (1) of this section is prior and superior to all other classes of lien or any classes of security interest in the inventory or proceeds, regardless of whether the creditor’s lien or security interest attached to the inventory or proceeds before or after the agricultural producer’s lien attached under subsection (2) of this section. Except as provided in ORS 87.762 (Filing notice of lien) (4), all liens of the class created under subsection (1) of this section, regardless of the date of attachment or the date of notice of lien, are of equal priority and payable pro rata in proportion to the size of each lien.

(4) An agricultural producer who claims a lien under subsection (1) of this section need not file any notice in order to perfect the lien. The agricultural producer must file a notice of lien as provided under ORS 87.762 (Filing notice of lien) or a notice of claim of lien under ORS 87.242 (Filing notice of claim of lien) to extend the lien beyond the normal expiration date.

(5) The lien created by subsection (1) of this section is subject to the provisions of ORS 79.0320 (UCC 9-320. Buyer of goods) (1).

(6) The lien created by subsection (1) of this section is discharged with regard to inventory that is sold by the purchaser or an agent of the purchaser to a third party. Notwithstanding a discharge with regard to inventory sold to a third party, an agricultural producer continues to hold a lien on the proceeds from the sale to a third party and on all remaining inventory of the purchaser.

(7) An agreement by an agricultural producer purporting to waive the right to file notice under ORS 87.242 (Filing notice of claim of lien) or 87.762 (Filing notice of lien) of a lien created by subsection (1) of this section is void as contrary to public policy. An agricultural producer may waive the right to file notice under ORS 87.242 (Filing notice of claim of lien) or 87.762 (Filing notice of lien) if the purchaser is an association of which the agricultural producer is a member. [1981 c.446 §3; 2001 c.301 §18; 2001 c.445 §163; 2011 c.359 §4]

Source: Section 87.755 — Grain producer’s lien; date lien attaches; priority , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 87.372 — OR Code / Title 9 / Chapter 87 / Section 87.372
87.372 Recording
Status: in_force

The recording officer of the county shall record the notices filed under ORS 87.366 (Filing notice of claim of lien) in a book kept for that purpose. The record shall be indexed in the same manner as the record of deeds and mortgages. [1975 c.648 §47]

Source: Section 87.372 — Recording , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 87.522 — OR Code / Title 9 / Chapter 87 / Section 87.522
87.522 Foreclosure of lien
Status: in_force

A lien created by ORS 87.503 (Lien for long term care) may be foreclosed by an action in the circuit court in accordance with ORS chapter 88. In a suit to foreclose a lien created by ORS 87.503 (Lien for long term care) , the court, upon entering judgment for the lien claimant, shall allow as part of the lien the moneys paid for the recording of the notice of lien under ORS 87.517 (Recording notice of lien) . The court shall also allow reasonable attorney fees at trial and on appeal to the prevailing party. [1995 c.749 §6]

Note: See note under 87.501 (Definitions for ORS 87.501 to 87.542) .

Source: Section 87.522 — Foreclosure of lien; attorney fees , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 88.100 — OR Code / Title 9 / Chapter 88 / Section 88.100
88.100 Payment of amount due before foreclosure sale
Status: in_force

If, before a judgment is given, the amount then due with the costs of suit is brought into court and paid to the clerk, the suit shall be dismissed. If the same is done after judgment and before sale, the effect of the judgment as to the amount then due and paid shall be terminated, and the execution, if any has issued, shall be recalled by the clerk. When an installment not due is adjudged to be paid, the court shall determine and specify in the judgment what sum shall be received in satisfaction thereof, which sum may be equal to such installment, or otherwise, according to the present value thereof. [Amended by 2003 c.576 §352]

Source: Section 88.100 — Payment of amount due before foreclosure sale; judgment for payment of installment not due , https://www.­oregonlegislature.­gov/bills_laws/ors/ors088.­html (accessed May 26, 2025).
ORS § 87.512 — OR Code / Title 9 / Chapter 87 / Section 87.512
87.512 Contents of notice of lien
Status: in_force

The notice of lien required under ORS 87.507 (Perfecting lien) shall be a written statement verified by the oath of an officer of the long term care facility that asserts a claim for the lien and that contains:

(1) A true statement of demand, including an itemized statement of services provided and setting forth the amount due and owing to the long term care facility as of the date of the notice, after deducting all credits and offsets;

(2) The name of the individual who received care;

(3) The name, address and telephone number of the long term care facility;

(4) A statement that the amount claimed is a true and bona fide existing debt as of the date of filing the notice of lien;

(5) A statement that the lien may cover contracted services provided by the long term care facility subsequent to the services itemized under subsection (1) of this section and that interested persons may obtain information on the current amount due under the lien by contacting the long term care facility;

(6) A statement that the long term care facility has given the individual or an authorized representative a written summary of the requirements and procedures for establishing eligibility for Medicaid, including the right to an assessment that determines the extent of spouses’ nonexempt resources at the time of institutionalization and attributes to the community spouse an equitable share of the resources that can not be considered available for payment of costs for the medical care of the institutionalized spouse in the process of spending down to Medicaid eligibility levels. The written statement shall be given no fewer than 30 days and no more than 60 days before the notice of lien is filed. The long term care facility may meet the requirement of this subsection by providing written materials relating to Medicaid eligibility for long term care services for persons with disabilities and elderly persons used by the Department of Human Services; and

(7) A description of the real property to be charged with the lien that complies with ORS 93.600 (Description of real property for purposes of recordation) . [1995 c.749 §4; 1997 c.744 §6; 2001 c.900 §12; 2007 c.70 §17]

Note: See note under 87.501 (Definitions for ORS 87.501 to 87.542) .

Source: Section 87.512 — Contents of notice of lien , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 86a.198 — OR Code / Title 9 / Chapter 86a / Section 86a.198
86A.198 Materials in languages other than English
Status: in_force

(1) A mortgage banker, a mortgage broker or a mortgage loan originator shall provide in writing the materials identified in subsection (2) of this section to a borrower if the mortgage banker, mortgage broker or mortgage loan originator:

(a) Communicates or causes to be communicated an advertisement in a language other than English or otherwise solicits business in a language other than English; and

(b) Offers to negotiate or make, or negotiates or makes, a residential mortgage transaction in the course of which a substantial portion of the communication with the borrower that is related to the transaction takes place in the language other than English that was used to communicate the advertisement or make the solicitation.

(2) A mortgage banker, mortgage broker or mortgage loan originator that takes an action described in subsection (1) of this section shall provide the following materials to the borrower in English and in the language other than English in which a substantial portion of the communication that is related to the transaction takes place:

(a) A good faith estimate required under the Real Estate Settlement Procedures Act, 12 U.S.C. 2601 et seq., and under Regulation X, 24 C.F.R. part 3500, as enacted or promulgated on January 1, 2010;

(b) The disclosures related to the transaction that are required under the Truth in Lending Act, 15 U.S.C. 1601 et seq., and under Regulation Z, 12 C.F.R. part 226, as enacted or promulgated on January 1, 2010; and

(c) A statement notifying the borrower that loan documents associated with the transaction will be in English and advising the borrower to obtain appropriate assistance with any necessary translations.

(3) The Director of the Department of Consumer and Business Services shall develop and distribute translated versions of the materials identified in subsection (2) of this section in the three languages other than English that are most commonly spoken in this state. [2009 c.603 §3; 2009 c.863 §39]

Source: Section 86A.198 — Materials in languages other than English; requirements , https://www.­oregonlegislature.­gov/bills_laws/ors/ors86A.­html (accessed May 26, 2025).
ORS § 86a.160 — OR Code / Title 9 / Chapter 86a / Section 86a.160
86A.160 Notice to bank regarding Clients’ Trust Account
Status: in_force

(1) Each mortgage banker or mortgage broker, at the time a Clients’ Trust Account is opened under ORS 86A.157 (Clients’ Trust Account) , shall provide the bank in which the account is opened with a notice in substantially the following form:

NOTICE OF CLIENTS’ TRUST ACCOUNT

To: (name of bank) ________

I, ____________, am the (owner, president, managing general partner or other position description) ____________ of (name of mortgage banker or mortgage broker) ____________ and am authorized to act on behalf of (name of mortgage banker or mortgage broker) ____________.

Under the provisions of ORS 86A.157 (Clients’ Trust Account) , I am required to maintain in Oregon a Clients’ Trust Account for the purpose of holding funds belonging to others.

With regard to the account(s) numbered _________ which is/are designated as a Clients’ Trust Account, the account(s) is/are maintained with you as a depository for money belonging to persons other than myself and in my fiduciary capacity as a mortgage banker or mortgage broker established by client agreements in separate documents.

Dated: (insert date)

__________________

(signature of person authorized to act

on behalf of mortgage banker

or mortgage broker)

I, _______________, a duly authorized representative of (bank) ______, do hereby acknowledge receipt of the above NOTICE OF CLIENTS’ TRUST ACCOUNT on (date) ______. &$CONT

__________________

__________________

(2) The acknowledged copy of the notice described in subsection (1) of this section shall be retained by the mortgage banker or mortgage broker as provided in ORS 86A.157 (Clients’ Trust Account) for the retention of trust account records, subject to inspection by the Director of the Department of Consumer and Business Services or the director’s authorized representative. [Formerly 59.940]

Source: Section 86A.160 — Notice to bank regarding Clients’ Trust Account , https://www.­oregonlegislature.­gov/bills_laws/ors/ors86A.­html (accessed May 26, 2025).
ORS § 86a.242 — OR Code / Title 9 / Chapter 86a / Section 86a.242
86A.242 Rules
Status: in_force

The Director of the Department of Consumer and Business Services may adopt, amend and repeal rules that are necessary to carry out the provisions of ORS 86A.200 (Definitions) to 86A.239 (Display of license and unique identifier) . [2009 c.863 §13a]

Source: Section 86A.242 — Rules , https://www.­oregonlegislature.­gov/bills_laws/ors/ors86A.­html (accessed May 26, 2025).
ORS § 87.027 — OR Code / Title 9 / Chapter 87 / Section 87.027
87.027 Right of owner to demand list of services, materials, equipment and labor
Status: in_force

An owner who receives a notice of right to a lien in accordance with the provisions of ORS 87.021 (Notice to owners) may demand, in writing, from the person providing materials, equipment, services or labor a list of materials or equipment or description of labor or services supplied or a statement of the contractual basis for supplying the materials, equipment, services or labor, including the percentage of the contract completed, and the charge therefor to the date of the demand. The supplier’s statement shall be delivered to the owner within 15 days, not including Saturdays, Sundays and other holidays as defined in ORS 187.010 (Legal holidays) , of receipt of the owner’s written demand, as evidenced by a receipt or a receipt of delivery of a certified or registered letter containing the demand. Failure of the supplier to furnish the information requested constitutes a loss of attorney fees and costs otherwise allowable in a suit to foreclose a lien. [1981 c.757 §8; 1985 c.513 §2; 1987 c.662 §4]

Source: Section 87.027 — Right of owner to demand list of services, materials, equipment and labor; penalty for failure to provide list , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 87.182 — OR Code / Title 9 / Chapter 87 / Section 87.182
87.182 Effect of prior security interest on method of foreclosure
Status: in_force

(1) When a lien created by ORS 87.162 (Landlord’s lien) is subordinate to a prior duly perfected security interest in a chattel as provided in ORS 87.146 (Priorities of liens) , the lien created by ORS 87.162 (Landlord’s lien) shall be foreclosed by suit as provided in ORS chapter 88.

(2) Except as provided in subsection (1) of this section, liens created by ORS 87.152 (Possessory lien for labor or material expended on chattel) to 87.162 (Landlord’s lien) may be foreclosed by suit as provided in ORS chapter 88, or by sale of the chattel subject to the lien at public auction to the highest bidder for cash. [1975 c.648 §9]

Source: Section 87.182 — Effect of prior security interest on method of foreclosure , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 88.720 — OR Code / Title 9 / Chapter 88 / Section 88.720
88.720 Acquisition, administration and disposal by state of property subject to lien held by state
Status: in_force

Whenever in the discretion of the Department of Veterans’ Affairs such a procedure would appear beneficial to the state, and on advice of the state agency charged with collection of a tax, duty, debt or any sum owing the state for which a lien securing such debt, tax or duty is being foreclosed by the state agency or by third parties, the department may bid in or redeem real or personal property ordered sold under foreclosure where such property is subject to any lien held by the state at a price limited to the sum of the amount of the state lien and all other prior liens plus costs but in no event to exceed the appraised value; acquire title to real property for and in behalf of the state as a result of such foreclosure; accept deeds from debtors, taxpayers or other persons owing a debt, tax or duty to the state in lieu of foreclosure; make repairs, improvements or alterations; insure against loss or damage; pay taxes, liens and charges of every kind superior to the lien of the state; and sell, transfer, lease or assign such property for and in behalf of the state, or otherwise administer such property in such manner as the department deems for the best interest of the state in the same manner the department manages and conveys property pursuant to ORS 407.135 (Authority of department) ; the department shall undertake to sell property after acquiring marketable title thereto, and while holding such property may not engage in any enterprise competitive with private enterprise other than the renting or leasing of such property or interests therein. The control of such property while title remains vested in the state shall be exercised by the department. [1959 c.499 §2; 1963 c.578 §3; 1967 c.211 §6; 2005 c.625 §68]

Source: Section 88.720 — Acquisition, administration and disposal by state of property subject to lien held by state , https://www.­oregonlegislature.­gov/bills_laws/ors/ors088.­html (accessed May 26, 2025).
ORS § 87.455 — OR Code / Title 9 / Chapter 87 / Section 87.455
87.455 Filing notice of claim of lien on judgment for possession of personal property
Status: in_force

(1) When an attorney or other member of the Oregon State Bar licensed to practice law claims a lien under ORS 87.445 (Lien upon actions and judgments) , if the judgment is for the possession, award or transfer of personal property, the attorney or member must file a notice of claim of lien not later than one year after entry of the judgment and disposition of any appeal of the judgment. The notice shall be filed with the recording officer of the county in which the judgment is rendered, with the recording officer of the county, if known, in which the personal property is located and with the recording officer of the county, if known, in which the attorney’s or member’s client resides. The recording officer of a county shall record the notices filed under this section in a book called “index of liens upon chattels.”

(2) Except as provided in subsection (3) of this section, a lien under ORS 87.445 (Lien upon actions and judgments) on a judgment for the possession, award or transfer of personal property must be foreclosed in the manner provided in ORS chapter 88, not later than one year after the notice of claim of lien is filed under subsection (1) of this section.

(3) An attorney or member and the client of the attorney or member may, by an agreement in writing, extend the period of time within which a lien created by ORS 87.445 (Lien upon actions and judgments) must be foreclosed to two years after the notice of claim of lien is filed. An agreement to extend a foreclosure period under this subsection shall contain the time and place of the filing of the notice of claim of lien by the attorney or member and shall be filed with the recording officer with whom the notice of claim of lien was filed. [1975 c.648 §61 (enacted in lieu of 87.495); 2003 c.576 §339; 2023 c.72 §42]

Source: Section 87.455 — Filing notice of claim of lien on judgment for possession of personal property; recording; foreclosure , https://www.­oregonlegislature.­gov/bills_laws/ors/ors087.­html (accessed May 26, 2025).
ORS § 86a.154 — OR Code / Title 9 / Chapter 86a / Section 86a.154
86A.154 Fraud and deceit with respect to mortgage banker or mortgage broker business
Status: in_force

It is unlawful for any person, directly or indirectly, in connection with the conduct of a mortgage banker or mortgage broker business:

(1) To employ any device, scheme or artifice to defraud;

(2) Knowingly to make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they are made, not misleading;

(3) To engage in any act, practice or course of business which operates or would operate as a fraud or deceit upon any person; or

(4) To make or file, or cause to be made or filed, to or with the Director of the Department of Consumer and Business Services any statement, report or document which is known to be false in any material respect or matter. [Formerly 59.930]

Source: Section 86A.154 — Fraud and deceit with respect to mortgage banker or mortgage broker business , https://www.­oregonlegislature.­gov/bills_laws/ors/ors86A.­html (accessed May 26, 2025).
ORS § 86a.124 — OR Code / Title 9 / Chapter 86a / Section 86a.124
86A.124 Supervisory authority of director over mortgage bankers, mortgage brokers and mortgage loan originators
Status: in_force

(1) The Director of the Department of Consumer and Business Services has general supervision and control over mortgage loan originators, mortgage bankers and mortgage brokers that reside or do business in this state and that engage in an activity that is subject to the provisions of ORS 86A.095 (Short title) to 86A.198 (Materials in languages other than English) . The director may examine at any time mortgage bankers and mortgage brokers and the records and activities connected with mortgage bankers, mortgage brokers and mortgage loan originators. The provisions of this section and of any other section of ORS 86A.095 (Short title) to 86A.198 (Materials in languages other than English) relating to examinations extend to a person that is or should have been licensed as a mortgage loan originator under ORS 86A.200 (Definitions) to 86A.239 (Display of license and unique identifier) or licensed as a mortgage banker or mortgage broker, a person exempted by rule from the definitions of mortgage banker, mortgage broker or mortgage loan originator or a person whose license has expired or has been withdrawn, canceled, suspended, conditioned or revoked. The director may collect from the person the actual expenses incurred in the examination.

(2) Intentionally left blank —Ed.

(a) A mortgage loan document the director obtains as part of an examination under this section is exempt from disclosure and is confidential for the purposes of ORS 705.137 (Information that is confidential or not subject to disclosure) .

(b) This subsection does not prohibit an individual from inspecting and requesting the director to disclose any of the individual’s mortgage loan documents that the director obtained during the course of an examination. The director shall authenticate the individual’s identity before disclosing the mortgage loan documents to the individual. [Formerly 59.880; 2011 c.350 §1]

Source: Section 86A.124 — Supervisory authority of director over mortgage bankers, mortgage brokers and mortgage loan originators; documents exempt from disclosure , https://www.­oregonlegislature.­gov/bills_laws/ors/ors86A.­html (accessed May 26, 2025).