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Division of Financial Regulation (DFR)

Insurance and financial services

DFR encourages a wide range of financial services, products, and information for Oregonians, provided in a safe, sound, equitable, and fraud-free manner. The division provides professional, fair, and objective program supervision while valuing excellent customer service and serves as a resource for consumer stakeholders, including legislators and licensees.

DFR protects consumers from businesses that do not operate within statues and rules by:

  • Supervising state-chartered or state-licensed financial institutions and financial-service providers
  • Regulating to ensure the safety and soundness of banks, trusts, and credit unions, and examining other financial institutions for compliance
  • Regulating the sale of investment securities in Oregon, reviewing securities offerings, and licensing those who sell them and those who advise about or manage securities
  • Ensure sound mortgage lending practices
  • Investigating complaints, alleged violations, and investment fraud; and issuing penalties as appropriate
  • Providing education and other resources to help consumers recognize and avoid foreclosure, fraud, and inappropriate products and services

DFR also empowers and protects consumers while encouraging a financially stable, innovative, and competitive insurance marketplace.

Insurance regulators make sure that:

  • Insurance companies are financially sound so they can pay claims.
  • Policyholders are treated fairly. This means making sure claims are handled promptly and accurately and companies honor their promises.
  • Rates are reasonable in relation to the benefits received.

This is done by:

  • Analyzing and monitoring insurance company finances.
  • Reviewing all insurance policies before they are sold in Oregon.
  • Investigating consumer complaints.
  • Licensing insurance companies and agents.
  • Conducting in-depth and public reviews of proposed health insurance rates. We also review rates companies submit for other types of insurance.

Positions in this division include:

  • Actuary positions
  • Administrative/clerical support positions
  • Compliance specialist positions
  • Consumer advocate and outreach coordinator positions
  • Financial enforcement officer positions
  • Financial examiner positions
  • Insurance examiner positions
  • Operations and policy analyst positions
  • Securities analyst positions