reglab/housing_qa huggingface dataset:
OR Rev Stat § 646A.610 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.610 - Fees not permitted.

A consumer reporting agency may not charge a consumer a fee or collect from a consumer any money or item of value for: (1) Placing, temporarily lifting or removing a security freeze on the consumer’s consumer report. (2) Creating or deleting a protective record. (3) Placing or removing a security freeze on a protective record for a protected consumer. (4) Replacing a lost personal identification number, password or similar device the consumer reporting agency previously provided to the consumer. [2007 c.759 §6; 2013 c.415 §4; 2018 c.10 §5]
OR Rev Stat § 646A.612 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.612 - Conditions for lifting or removing security freeze.

(1)(a) A consumer reporting agency shall temporarily lift or remove a security freeze placed on a consumer report only if a consumer requests that the consumer reporting agency lift or remove the security freeze for the consumer report in accordance with ORS 646A.608. (b) A consumer reporting agency shall remove a security freeze from a protected consumer’s consumer report or protective record or delete a protective record only if the protected consumer or a representative requests that the consumer reporting agency remove the security freeze from the consumer report or protective record or delete the protective record in accordance with ORS 646A.608. (2)(a) A consumer reporting agency may temporarily lift or remove a security freeze placed on a consumer report if the security freeze was placed because of a consumer’s, a protected consumer’s or a representative’s material misrepresentation of fact. (b) A consumer reporting agency may remove a security freeze from or delete a protective record if the consumer reporting agency placed the security freeze or created the protective record as a result of the protected consumer’s or the representative’s material misrepresentation of fact. (c) If a consumer reporting agency intends to remove a security freeze or delete a protective record under this subsection, the consumer reporting agency shall notify the consumer, protected consumer or representative, as appropriate, in writing at least five business days before removing the security freeze or deleting the protective record. [2007 c.759 §7; 2013 c.415 §5]
OR Rev Stat § 646A.616 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.616 - Effect of request for consumer report subject to security freeze.

If a third party requests access to a consumer report on which a security freeze is in effect, the request is in connection with an application for credit or any other use, the consumer does not allow the consumer’s consumer report to be accessed for that period of time, and the third party cannot obtain the consumer report through ORS 646A.614, the third party may treat the application as incomplete. [2007 c.759 §9]
OR Rev Stat § 646A.618 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.618 - Prohibition on changes to consumer report subject to security freeze; entities subject to requirement to place security freeze.

(1) If a security freeze is in place, a consumer reporting agency shall not change any of the following official information in a consumer credit report without sending a written confirmation of the change to the consumer within 30 days of the change being posted to the consumer’s report: name, date of birth, Social Security number and address. Written confirmation is not required for technical modifications of a consumer’s official information, including name and street abbreviations, complete spellings or transposition of numbers or letters. In the case of an address change, the written confirmation shall be sent to both the new address and to the former address. (2) The following entities are not required to place a security freeze on a credit report: (a) A consumer reporting agency that acts only as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or multiple consumer reporting agencies, and does not maintain a database of credit information from which new consumer credit reports are produced. However, a consumer reporting agency acting as a reseller shall honor any security freeze placed on a consumer report by another consumer reporting agency. (b) A check services or fraud prevention services company that issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers or similar methods of payments. (c) A deposit account information service company that issues reports regarding account closures due to fraud, substantial overdrafts, ATM abuse or similar negative information regarding a consumer, to inquiring banks or other financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution. [2007 c.759 §10]
OR Rev Stat § 646A.620 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.620 - Prohibition on printing, displaying or posting Social Security numbers; exemptions.

(1) Except as otherwise specifically provided by law, a person may not: (a) Print a consumer’s Social Security number on mail to the consumer that is: (A) Material the consumer did not request; or (B) Part of any documentation the consumer requested for a transaction or service, unless the Social Security number is redacted. (b) Print a consumer’s Social Security number on any card required for the consumer to access products or services provided by the person. (c) Publicly post or publicly display a consumer’s Social Security number unless the Social Security number is redacted. As used in this paragraph, "publicly post or publicly display" means to communicate or otherwise make available to the public. (d) Dispose of, or transfer to another person for disposal, material or media that display a consumer’s Social Security number unless the person makes the Social Security number unreadable or unrecoverable or ensures that any person that ultimately disposes of the material or media makes the Social Security number unreadable or unrecoverable. (2) This section does not prevent the collection, use or release of a Social Security number as required by state or federal law or rule adopted by the Chief Justice of the Supreme Court, the Chief Judge of the Court of Appeals or the judge of the Oregon Tax Court and does not prevent the use or printing of a Social Security number for internal verification or administrative purposes or to enforce a judgment or court order. (3) This section does not apply to records that must be made available to the public under state or federal law or rule adopted by the Chief Justice of the Supreme Court, the Chief Judge of the Court of Appeals or the judge of the Oregon Tax Court. (4) This section does not apply to a Social Security number in any of the following records or copies of records in any form or storage medium maintained or otherwise possessed by a court, the State Court Administrator or the Secretary of State: (a) A record received on or before October 1, 2007; (b) A record received after October 1, 2007, if, by state or federal statute or rule, the person that submitted the record could have caused the record to be filed or maintained in a manner that protected the Social Security number from public disclosure; or (c) A record, regardless of the date created or received, that is: (A) An accusatory instrument charging a violation or crime; (B) A record of oral proceedings in a court; (C) An exhibit offered as evidence in a proceeding; or (D) A judgment or court order. [2007 c.759 §11; 2017 c.254 §1]
OR Rev Stat § 646A.624 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.624 - Powers of director; penalties.

(1) The Director of the Department of Consumer and Business Services may: (a) Make such public or private investigations within or outside this state as the director deems necessary to determine whether a person has violated any provision of ORS 646A.600 to 646A.628, or to aid in the enforcement of ORS 646A.600 to 646A.628. (b) Require or permit a person to file a statement in writing, under oath or otherwise as the director determines, as to all the facts and circumstances concerning the matter to be investigated. (c) Administer oaths and affirmations, subpoena witnesses, compel attendance, take evidence and require the production of books, papers, correspondence, memoranda, agreements or other documents or records that the director deems relevant or material to the inquiry. Each witness who appears before the director under a subpoena shall receive the fees and mileage provided for witnesses in ORS 44.415 (2). (2) If a person fails to comply with a subpoena so issued or a party or witness refuses to testify on any matters, the judge of the circuit court or of any county, on the application of the director, shall compel obedience by proceedings for contempt as in the case of disobedience of the requirements of a subpoena issued from such court or a refusal to testify therein. (3) If the director has reason to believe that any person has engaged or is engaging in any violation of ORS 646A.600 to 646A.628, the director may issue an order, subject to ORS chapter 183, directed to the person to cease and desist from the violation, or require the person to pay compensation to consumers injured by the violation. The director may order compensation to consumers only upon a finding that enforcement of the rights of the consumers by private civil action would be so burdensome or expensive as to be impractical. (4)(a) In addition to all other penalties and enforcement provisions provided by law, any person who violates or who procures, aids or abets in the violation of ORS 646A.600 to 646A.628 shall be subject to a penalty of not more than $1,000 for every violation, which shall be paid to the General Fund of the State Treasury. (b) Every violation is a separate offense and, in the case of a continuing violation, each day’s continuance is a separate violation, but the maximum penalty for any occurrence shall not exceed $500,000. (c) Civil penalties under this section shall be imposed as provided in ORS 183.745. [2007 c.759 §13]
OR Rev Stat § 646A.626 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.626 - Rules.

In accordance with ORS chapter 183, the Director of the Department of Consumer and Business Services may adopt rules for the purpose of carrying out the provisions of ORS 646A.600 to 646A.628. [2007 c.759 §14]
OR Rev Stat § 646A.640 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.640 - Definitions.

As used in ORS 646A.640 to 646A.673: (1) "Applicant" means a person that applies for a license to engage in business as a debt buyer in this state. (2) "Controller" means: (a) A director, officer or general partner of a business entity; (b) A managing member of a limited liability company; (c) A person that has a direct or indirect right to vote 10 percent or more of the securities of a business entity that have voting rights or the power to sell or cause the sale of 10 percent or more of any class of a business entity’s securities; (d) A person that has contributed 10 percent or more to a partnership’s capital or has the right to receive a distribution of 10 percent or more of a partnership’s capital or assets upon dissolution; or (e) A person that, under the terms of a contract or because the person has an ownership interest in another person, has the power to manage or set policies for the other person, or otherwise direct the other person’s operations or affairs. (3) "Debt buyer" has the meaning given that term in ORS 646.639. (4) "Debt buying" means conducting business as a debt buyer or conducting business activities that are subject to regulation under ORS 646.639 (4), 646A.640 to 646A.673 and 646A.670. (5) "Debtor" has the meaning given that term in ORS 646.639. (6) "Legal action" has the meaning given that term in ORS 646.639. (7) "Licensee" means a person that has applied for and obtained a license from the Department of Consumer and Business Services to engage in business as a debt buyer in this state. (8) "Nationwide Multistate Licensing System" has the meaning given that term in ORS 697.500. [2017 c.625 §3]
OR Rev Stat § 646A.643 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.643 - License requirement to engage in debt buying; exemptions.

(1) Except as provided in subsection (2) of this section, a person may not engage in debt buying in this state unless the person obtains or renews a license under ORS 646A.646. (2)(a) A person need not obtain or renew a license under subsection (1) of this section if the person is: (A) A financial institution, as defined in ORS 706.008; (B) A mortgage banker or a mortgage broker, both terms as defined in ORS 86A.100; (C) A person that has a license the Director of the Department of Consumer and Business Services issued under ORS 725.140; (D) A company that the director has authorized to transact trust business in this state under ORS 709.005; (E) A debt management service provider, as defined in ORS 697.602; (F) An attorney who is authorized to practice law in this state, if the attorney engages in debt buying only incidentally in the practice of law; or (G) A person that the director exempts from the requirement by rule or order after determining that the public interest does not require the person to obtain a license. (b) This subsection does not exempt a person from the requirement set forth in subsection (1) of this section if the person engages in business or conducts an activity outside the scope of the person’s license, registration or authorization to transact business in this state. [2017 c.625 §4]
OR Rev Stat § 646A.649 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.649 - Licensee’s principal place of business and registered agent; assumed business name; display of license; rules.

(1) A licensee shall designate and maintain a principal place of business at or from which the licensee engages in debt buying in this state and a registered agent in this state. (2)(a) If a licensee does not maintain a principal place of business in this state, the licensee shall nevertheless designate a registered agent in this state. The registered agent must be available to receive on the licensee’s behalf any notice, demand or service of process permitted by law to be given, made or delivered to, or served upon, the licensee. (b) If the licensee does not designate a registered agent in this state, or if the licensee’s registered agent cannot with reasonable diligence be located, the Director of the Department of Consumer and Business Services is the licensee’s registered agent. (3) A licensee may not use or operate under an assumed business name unless the licensee first registers the assumed business name under ORS chapter 648 and lists the name on an application under ORS 646A.646 or in a notice to the director under ORS 646A.652. (4)(a) A licensee shall clearly display the unique identifying number or designation described in ORS 646A.646 (5) in each business location the licensee maintains in accordance with subsection (1) of this section and in any solicitation, advertisement, promotional material, website or other communication the licensee uses in the licensee’s business. (b) The director by rule may specify for the display required under paragraph (a) of this subsection: (A) A text size or range of text sizes; (B) A location; (C) Materials on which the display must appear; or (D) Other characteristics of the display. [2017 c.625 §6]
OR Rev Stat § 646A.652 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.652 - Required notices.

(1)(a) A licensee shall notify the Director of the Department of Consumer and Business Services in writing at least 30 days before the licensee relocates or closes the licensee’s principal place of business in this state. (b) In a notice under paragraph (a) of this subsection the licensee shall list the new address to which the licensee relocates the licensee’s principal place of business. (2)(a) A licensee shall notify the director in writing not later than 30 days after: (A) Any appointment, resignation or other change occurs in the licensee’s directors, members, officers, managers, partners or controllers; or (B) Any material change occurs in the information that the licensee submitted in an application under ORS 646A.646. (b) The licensee shall provide in a notice under paragraph (a)(A) of this subsection the name, address and title of any new director, member, officer, manager, partner or controller the licensee appoints. (3)(a) A licensee shall notify the director in writing not later than 10 days after: (A) Filing for bankruptcy or reorganization; (B) A director, member, officer, manager, partner, controller or registered agent of the licensee becomes subject to an indictment that is related in any manner to the licensee’s activities; (C) The licensee receives notice of a final order issued in this or another state that: (i) Demands that the licensee cease and desist from any act; (ii) Suspends or revokes a license or registration; or (iii) Constitutes any other formal or informal regulatory action against the licensee in this or another state in which the governing body found that the licensee or a director, member, officer, manager, partner or controller of the licensee violated an applicable law, regulation, rule or order; (D) The licensee registers or changes and uses or operates under an assumed business name; or (E) Another change in the licensee’s operations or governance occurs in a manner or with an effect that the director determines by rule is significant enough to warrant the licensee notifying the director. (b) A licensee shall specify in a notice under paragraph (a)(C) of this subsection the reasons for taking a regulatory action against the licensee that are set forth in any final order. (4) A licensee shall notify the director immediately if the licensee changes registered agents or if the name or address for the licensee’s registered agent in this state changes. In the notice, the licensee shall update the name and address for the registered agent. [2017 c.625 §7]
OR Rev Stat § 646A.655 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.655 - Compliance with director’s standards; rules.

A licensee or a person that engages in debt buying shall comply with standards that the Director of the Department of Consumer and Business Services adopts by rule. The standards, at a minimum, must require the licensee or the person to: (1) Establish appropriate training programs that instruct employees or agents of the licensee or the person in fair debt collection practices and compliance with ORS 646.639 and 646A.670 and applicable provisions of ORS 646A.640 to 646A.673. (2) Establish and maintain adequate processes to receive and respond to complaints from debtors and other persons and resolve disputes. (3) Store personal information, as defined in ORS 646A.602, securely and in compliance with the requirements of ORS 646A.600 to 646A.628 and promptly provide notice of all breaches of security as provided in ORS 646A.604. (4) Ensure the accuracy, fairness and privacy of information the debt buyer or person possesses in accordance with the requirements of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., and Regulation V, 12 C.F.R. part 1022, both as in effect on January 1, 2018. (5) Establish and maintain procedures for withdrawing or dismissing any legal action the debt buyer or person brings to collect a debt if ORS 12.080 or another applicable statute of limitations bars the legal action. (6) Maintain adequate policies and procedures for producing and filing accurate and truthful affidavits. (7) Maintain adequate policies and procedures for acquiring sufficient information about a debt or debtor to enable the debt buyer or person to establish a continuous chain of title for a debt from the original creditor to the current owner and to otherwise comply with ORS 646.639 (4), 646A.640 to 646A.673 and 646A.670. [2017 c.625 §8]
OR Rev Stat § 646A.658 (2021)
2021 Oregon Revised Statutes|Volume : 16 - Trade Practices, Labor and Employment|Chapter 646A - Trade Regulation|Section 646A.658 - Prohibited practices.

A licensee or a person that engages in debt buying may not: (1) Perform any act, undertake any practice or employ any device, scheme or artifice in the course of the licensee’s or the person’s business that the Director of the Department of Consumer and Business Services defines by rule as dishonest, unethical or illegal or that would operate as a deceit or fraud upon any person. (2) Allow an errors and omissions insurance policy required under ORS 646A.646 (3) to lapse or otherwise fail to maintain the insurance policy. (3) Fail to comply with standards the director adopts under ORS 646A.655. (4) Knowingly make, in an application to obtain or renew a license under ORS 646A.646 or otherwise, an untrue statement of a material fact or omit to state a material fact that is necessary in order to make a statement true or not misleading in light of the circumstances under which the licensee or person makes the statement. (5) Engage in debt buying if: (a) A court has enjoined the licensee or person, temporarily or permanently, from engaging in debt buying or performing an act or undertaking a practice in the course of debt buying; or (b) The licensee or person is subject to a United States Postal Service fraud order that was issued within the previous five years and that remains in effect. (6) Violate any of the following laws or regulations as the laws or regulations apply to the licensee’s or person’s debt buying activities: (a) The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq.; (b) Federal regulations promulgated as 16 C.F.R. part 310 under 15 U.S.C. 6101 et seq.; (c) Federal regulations promulgated as 16 C.F.R. part 681 under sections 114 and 315 of the Fair and Accurate Credit Transactions Act of 2003, P.L. 108-159; and (d) ORS 646A.600 to 646A.628. [2017 c.625 §9]