Oregon Law
Law as of Jan 1, 2026
Chapter contents
697.005Definitions for ORS 697.005 to 697.095 697.010[Amended by 1959 c.525 §1; 1963 c.580 §58; 1975 c.364 §1; 1977 c.185 §4; repealed by 1981 c.85 §17] 697.015Registration requirement 697.020[Amended by 1953 c.519 §2; 1959 c.525 §2; 1963 c.558 §1; 1969 c.373 §5; 1973 c.547 §1; 1975 c.364 §2; repealed by 1977 c.185 §5 (697.021 enacted in lieu of 697.020)] 697.021[1977 c.185 §6 (enacted in lieu of 697.020); repealed by 1981 c.85 §17] 697.025[1977 c.185 §3; 1981 c.85 §4; 1991 c.86 §1; 1993 c.205 §1; 1993 c.508 §42; repealed by 1995 c.622 §15] 697.030[Amended by 1959 c.525 §3; 1975 c.364 §3; 1977 c.185 §7; repealed by 1981 c.85 §17] 697.031Registration procedure; bond or letter of credit; fees; procedures for out-of-state collection agencies; rules 697.035[1959 c.525 §10; 1963 c.558 §2; 1971 c.119 §2; 1974 c.25 §2; 1975 c.364 §4; 1977 c.873 §20; repealed by 1981 c.85 §17] 697.038[1971 c.119 §1; 1973 c.547 §2; 1974 c.25 §3; 1975 c.364 §5; repealed by 1981 c.85 §17] 697.039Revocation, suspension or refusal to issue or renew registration 697.040[Repealed by 1959 c.525 §36] 697.041[1959 c.525 §11; 1963 c.558 §3; 1969 c.373 §6; 1973 c.547 §3; 1973 c.827 §79; 1974 c.36 §22; 1975 c.364 §6; repealed by 1981 c.85 §17] 697.045Status of accounts and claims assigned to agency; rights of assignor; appearance in small claims or justice court; registration as condition of access to courts 697.050[Repealed by 1959 c.525 §36] 697.051[1963 c.558 §17; 1977 c.185 §8; repealed by 1981 c.85 §17] 697.053Registration exclusive regulation; local fees authorized 697.055[1975 c.364 §37; 1977 c.185 §9; repealed by 1981 c.85 §17] 697.058Agency records; business office; trust accounts; reporting requirements; audit of trust accounts; cost of audit; exemptions 697.060[Repealed by 1959 c.525 §36] 697.061[1959 c.525 §5; 1963 c.558 §4; 1963 c.580 §59; 1973 c.547 §4; 1975 c.364 §7; repealed by 1981 c.85 §17] 697.063Status of business records and bank accounts following revocation of registration; liquidation; expenses and attorney fees 697.070[Amended by 1959 c.525 §6; 1961 c.686 §1; 1969 c.373 §7; 1971 c.119 §3; 1973 c.547 §5; 1974 c.25 §4; 1975 c.364 §8; 1977 c.873 §21; repealed by 1981 c.85 §17] 697.075[1981 c.85 §16; 1991 c.249 §63; repealed by 1995 c.622 §15] 697.080[Amended by 1959 c.525 §7; 1963 c.558 §5; 1969 c.373 §8; 1975 c.364 §9; repealed by 1981 c.85 §17] 697.085Rules 697.086Rules for collection of child support payments 697.087Injunction; damages; attorney fees; limitation on actions 697.090[Repealed by 1959 c.525 §36] 697.091Fees or compensation received in violation of law; disposition 697.093Enforcement 697.094Orders issued under ORS 697.093 697.095Civil penalties 697.098[1981 c.267 §2; repealed by 1987 c.373 §85] 697.100[Amended by 1959 c.525 §8; 1969 c.373 §9; 1975 c.364 §10; repealed by 1981 c.85 §17] 697.105Fee for collection of debt owed public body; notice to debtor; amount 697.107Prohibition on use of public agency or public official seal or letterhead 697.110[Repealed by 1959 c.525 §36] 697.111[1959 c.525 §12; 1961 c.686 §2; 1963 c.558 §15; 1974 c.25 §5; 1975 c.364 §11; repealed by 1981 c.85 §17] 697.115Fee for collection of commercial debt; amount; limit 697.120[Amended by 1953 c.520 §5; 1961 c.686 §3; 1974 c.25 §6; 1975 c.364 §12; repealed by 1981 c.85 §17] 697.130[Amended by 1953 c.520 §5; repealed by 1959 c.525 §36] 697.140[Repealed by 1959 c.525 §36] 697.145[Amended by 1953 c.520 §5; repealed by 1959 c.525 §36] 697.146[1959 c.525 §13; 1961 c.686 §4; 1963 c.558 §6; 1971 c.119 §4; 1974 c.25 §7; 1975 c.364 §13; repealed by 1981 c.85 §17] 697.150[Amended by 1953 c.520 §5; repealed by 1959 c.525 §36] 697.160[Amended by 1953 c.520 §5; repealed by 1959 c.525 §36] 697.165[Amended by 1959 c.525 §16; 1963 c.558 §16; 1963 c.580 §60; 1969 c.591 §300; 1975 c.364 §14; repealed by 1981 c.85 §17] 697.170[Amended by 1957 §469 §1; repealed by 1959 c.525 §36] 697.180[Repealed by 1959 c.525 §36] 697.181[1959 c.525 §14; 1963 c.580 §61; 1969 c.373 §10; 1975 c.364 §15; repealed by 1981 c.85 §17] 697.190[Amended by 1959 c.525 §17; 1963 c.558 §7; 1975 c.364 §16; repealed by 1981 c.85 §17] 697.200[Amended by 1975 c.364 §17; repealed by 1981 c.85 §17] 697.210[Amended by 1959 c.525 §18; 1963 c.580 §62; 1975 c.364 §18; repealed by 1981 c.85 §17] 697.220[Amended by 1959 c.525 §19; repealed by 1973 c.794 §34] 697.230[Amended by 1959 c.525 §20; 1963 c.558 §8; 1963 c.580 §63; 1975 c.364 §19; repealed by 1981 c.85 §17] 697.235[1959 c.525 §22; 1975 c.364 §20; 1977 c.185 §10; repealed by 1981 c.85 §17] 697.240[Amended by 1957 c.429 §2; 1959 c.525 §23; 1963 c.558 §9; 1975 c.364 §21; repealed by 1981 c.85 §17] 697.245[1974 c.25 §9; 1975 c.364 §22; repealed by 1981 c.85 §17] 697.250[Amended by 1959 c.525 §24; 1975 c.364 §23; 1977 c.185 §11; repealed by 1981 c.85 §17] 697.260[Repealed by 1959 c.525 §36] 697.261[1959 c.525 §15; 1963 c.558 §10; 1963 c.580 §64; 1969 c.373 §11; 1973 c.547 §6; 1975 c.364 §24; repealed by 1981 c.85 §17] 697.270[Amended by 1959 c.525 §25; repealed by 1971 c.734 §21] 697.271[1975 c.364 §33; repealed by 1981 c.85 §17] 697.273[1975 c.364 §34; repealed by 1981 c.85 §17] 697.275[1963 c.580 §57; 1975 c.364 §25; repealed by 1981 c.85 §17] 697.280[Repealed by 1959 c.525 §36] 697.281[1975 c.364 §36; repealed by 1981 c.85 §17] 697.285[1963 c.580 §56; repealed by 1975 c.364 §38] 697.290[Amended by 1959 c.525 §26; 1963 c.558 §11; 1971 c.119 §5; 1975 c.364 §26; repealed by 1981 c.85 §17] 697.295[1977 c.185 §2; repealed by 1981 c.85 §17] 697.300[1969 c.373 §2; 1975 c.364 §27; repealed by 1981 c.85 §17] 697.305[1969 c.373 §3; 1975 c.364 §28; repealed by 1981 c.85 §17] 697.310[1969 c.373 §4; 1975 c.364 §29; repealed by 1981 c.85 §17] 697.330[1975 c.364 §35; repealed by 1981 c.85 §17] 697.400[Repealed by 1959 c.525 §36] 697.401[1959 c.525 §29; 1963 c.558 §12; repealed by 1963 c.580 §103] 697.402[1963 c.580 §52; 1969 c.314 §98; 1971 c.753 §39; 1975 c.364 §30; 1977 c.185 §12; repealed by 1981 c.85 §17] 697.410[Repealed by 1959 c.525 §36] 697.411[1959 c.525 §30; 1963 c.558 §13; repealed by 1963 c.580 §103] 697.412[1963 c.580 §54; repealed by 1971 c.753 §74] 697.420[Repealed by 1959 c.525 §36] 697.421[1959 c.525 §31; repealed by 1963 c.580 §103] 697.422[1963 c.580 §55; 1975 c.364 §31; 1977 c.185 §13; repealed by 1981 c.85 §17] 697.430[Amended by 1953 c.518 §2; 1957 c.469 §3; repealed by 1959 c.525 §36] 697.440[Amended by 1959 c.525 §32; repealed by 1981 c.85 §17] 697.450[Amended by 1959 c.525 §33; repealed by 1971 c.753 §74] 697.460[Amended by 1959 c.525 §34; 1963 c.558 §14; 1967 c.216 §1; repealed by 1971 c.753 §74] 697.470[Repealed by 1981 c.85 §17] 697.480[Renumbered as part of 697.992] 697.500Definitions for ORS 697.500 to 697.555 697.502Exemptions from licensing and record-keeping requirements 697.504Licensing requirement 697.510License application form and contents; waiver; rules 697.512Application fee and investigation fee; rules 697.514Application review and license issuance; expiration and renewal; grounds for denial; rules 697.520Prohibited practices; effect on charges for dishonored payment instruments 697.522Receipt; contents 697.524Endorsement and deposit of payment instruments 697.526Notice of fees and charges; filing with department 697.528Records; retention; examination costs; rules 697.530Prohibited conduct 697.540Suspension or revocation of license; grounds; notice and hearing 697.542Powers of director; cease and desist order 697.550Rules 697.555Civil penalties; restitution 697.602Definitions for ORS 697.602 to 697.842 697.610[1959 c.635 §1; repealed by 1981 c.631 §2] 697.612Registration requirement; exceptions 697.615[1959 c.635 §2; 1969 c.334 §1; 1975 c.761 §1; repealed by 1981 c.631 §2] 697.620[1959 c.635 §3; repealed by 1981 c.631 §2] 697.622[1983 c.17 §4; 1997 c.631 §525; repealed by 2009 c.604 §27] 697.625[1959 c.635 §4; 1973 c.827 §80; repealed by 1981 c.631 §2] 697.630[1959 c.635 §5; repealed by 1981 c.631 §2] 697.632Registration procedure; fees; rules 697.635[1959 c.635 §6; repealed by 1981 c.631 §2] 697.640[1959 c.635 §7; 1963 c.470 §7; 1975 c.761 §2; repealed by 1981 c.631 §2] 697.642Bond requirement 697.645[1959 c.635 §8; 1963 c.470 §8; repealed by 1981 c.631 §2] 697.650[1959 c.635 §9; 1963 c.470 §9; 1975 c.761 §3; repealed by 1981 c.631 §2] 697.652Written agreement and budget analysis requirement; contents and form of agreement; waiver of requirements void 697.655[1959 c.635 §10; 1963 c.470 §10; repealed by 1981 c.631 §2] 697.657[1963 c.470 §11; repealed by 1981 c.631 §2] 697.660[1959 c.635 §11; repealed by 1981 c.631 §2] 697.662Prohibited practices 697.665[1959 c.635 §12; 1963 c.546 §3; 1977 c.873 §22; repealed by 1981 c.631 §2] 697.670[1959 c.635 §13; repealed by 1981 c.631 §2] 697.672Requirement to make, keep and maintain records; rules 697.675[1959 c.635 §14; 1963 c.470 §12; 1971 c.743 §410; repealed by 1981 c.631 §2] 697.680[1959 c.635 §17; repealed by 1981 c.631 §2] 697.682Trust accounts for client funds; statements 697.685[1959 c.635 §15; repealed by 1981 c.631 §2] 697.690[1959 c.635 §16; repealed by 1981 c.631 §2] 697.692Fees; circumstances in which consumer may void contract; prohibition of waiver; rules 697.695[1959 c.635 §18; 1969 c.591 §301; repealed by 1981 c.631 §2] 697.700[1959 c.635 §19; repealed by 1981 c.631 §2] 697.702Interference with records of debt management service provider 697.705[1959 c.635 §20; repealed by 1981 c.631 §2] 697.707Required disclosures 697.710[1959 c.635 §21; repealed by 1981 c.631 §2] 697.712[1983 c.17 §13; repealed by 2009 c.604 §27] 697.715[1959 c.635 §22; repealed by 1981 c.631 §2] 697.718Liability for consumer’s ascertainable loss; limitation on time to commence action 697.720[1959 c.635 §23; repealed by 1981 c.631 §2] 697.722Execution or attachment of trust account funds 697.725[1959 c.635 §24; repealed by 1973 c.794 §34] 697.730[1959 c.635 §25; repealed by 1981 c.631 §2] 697.732Examinations; investigations; costs; access; public disclosure requirements and exemptions 697.733[1963 c.470 §4; repealed by 1981 c.631 §2] 697.737[1963 c.470 §5; repealed by 1981 c.631 §2] 697.740[1959 c.635 §26; 1963 c.470 §13; repealed by 1981 c.631 §2] 697.742[1983 c.17 §17; repealed by 2009 c.604 §27] 697.743[1963 c.470 §§2,3; repealed by 1981 c.631 §2] 697.745[1959 c.635 §27; 1963 c.470 §14; repealed by 1981 c.631 §2] 697.750[1959 c.635 §30; 1963 c.470 §15; repealed by 1981 c.631 §2] 697.752Grounds for denial, revocation or suspension of registration 697.755[1959 c.635 §28; repealed by 1963 c.470 §17] 697.760[1959 c.635 §29; repealed by 1971 c.734 §21] 697.762Enjoining violations; attorney fees; damages 697.765[1959 c.635 §31; 1963 c.470 §16; repealed by 1981 c.631 §2] 697.770[1959 c.635 §32; repealed by 1981 c.631 §2] 697.772[1983 c.17 §19; 1989 c.209 §4; repealed by 2009 c.604 §27] 697.775[1959 c.635 §33; repealed by 1981 c.631 §2] 697.780[1959 c.635 §34; 1961 c.309 §7; 1967 c.216 §2; 1977 c.41 §4; repealed by 1981 c.631 §2] 697.782[1983 c.17 §20; 1989 c.209 §5; repealed by 2009 c.604 §27] 697.783[1963 c.470 §6; repealed by 1981 c.631 §2] 697.785[1959 c.635 §35; repealed by 1981 c.631 §2] 697.790[1965 c.190 §2; repealed by 1981 c.631 §2] 697.792[1983 c.17 §21; 1995 c.696 §47; repealed by 2009 c.604 §27] 697.802[1983 c.17 §22; repealed by 2009 c.604 §27] 697.810[1971 c.734 §163; repealed by 1981 c.631 §2] 697.812[1983 c.17 §23; 1989 c.209 §6; repealed by 2009 c.604 §27] 697.820[1973 c.548 §2; 1977 c.185 §14; 1981 c.85 §12; repealed by 1981 c.631 §2] 697.822Remedy not exclusive 697.825Enforcement; orders 697.830[1977 c.41 §6; 1981 c.85 §13; repealed by 1981 c.631 §2] 697.832Civil penalties 697.840Rules 697.842Disposition of moneys received by director 697.990Penalties 697.992Jurisdiction of courts

Chapter 697 — Collection Agencies; Check-Cashing Businesses; Debt Management Service Providers

ORS 697.115 Fee for collection of commercial debt; amount; limit

(1)

As used in this section, “commercial debt” means any obligation for payment of money or thing of value arising out of an agreement or contract, express or implied, in which the transaction that is the subject of the agreement or contract is not primarily for personal, family or household purposes.

(2)

A person using a private collection agency to collect a commercial debt owed to the person may add a reasonable fee to the amount of the commercial debt, payable by the debtor, to compensate the person, in whole or in part, for the collection agency fee incurred or to be incurred. A person may not add a fee under this section that:

(a)

Exceeds the collection fee of the private collection agency; or

(b)

Was not authorized in the agreement or contract creating the commercial debt.

Official sources · 2Tap to view provenance and version history

Online copy of the published ORS edition

Provenance

Version history

Earlier statutory text is available in an ingested published ORS edition.