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Oregon · 2025 Regular Session · Bill

HB 3178: Relating to conditions for financing a transaction involving a motor vehicle.

Enacted Official data

  1. Introduced
  2. In committee
  3. Passed one chamber
  4. Passed both chambers
  5. Enacted

Last official action: ·Record last updated:

Plain-language summary

HB 3178 is a bill introduced in the Oregon House on January 13, 2025. According to its official title, it concerns: Relating to conditions for financing a transaction involving a motor vehicle. Primary sponsor: Nathan Sosa (Democratic), Kathleen Taylor (Democratic). It lists 6 additional sponsors. Most recent recorded action (June 6, 2025): Chapter 81, (2025 Laws): Effective date January 1, 2026.

Generated automatically from the official title, sponsor list, and status record only. It does not characterize the bill’s purpose or effects. How summaries are written

Official summary

Abstract published by the legislature (via Open States). Text as published by the legislature; reproduced verbatim.

Requires a seller in a motor vehicle transaction that involves a retail installment contract or lease agreement to make a good faith effort to sell the retail installment contract or lease agreement to a lender on the exact terms that the seller and buyer negotiated. Requires the seller to undertake certain actions if the lender does not agree to buy the retail installment contract or lease agreement within 10 calendar days after the buyer takes possession of the motor vehicle. Prohibits the seller from selling or paying off a loan balance for any trade-in vehicle that is part of the transaction before receiving a lender's final approval of funding. Specifies the liabilities a seller has for failing to comply with the prohibitions. Requires the seller to provide the buyer with certain disclosures before concluding the transaction. Punishes a violation of the Act as an unlawful practice under the Unlawful Trade Practices Act.

Sponsors

Sponsors by party (alphabetical): Democratic 8

NameRolePartyChamberDistrict
Nathan SosaPrimary sponsorDemocraticHouse30
Kathleen TaylorPrimary sponsorDemocraticSenate21
Wlnsvey CamposCo-sponsorDemocraticSenate18
Willy ChotzenCo-sponsorDemocraticHouse46
Lew FrederickCo-sponsorDemocraticSenate22
Dacia GrayberCo-sponsorDemocraticHouse28
John LivelyCo-sponsorDemocraticHouse7
Deb PattersonCo-sponsorDemocraticSenate10

“Support” is shown only as formal sponsorship recorded by the legislature. Roll-call votes are available on the official bill page.

Recent official actions

  1. Chapter 81, (2025 Laws): Effective date January 1, 2026.
  2. Governor signed.
  3. President signed.
  4. Speaker signed.
  5. House concurred in Senate amendments and repassed bill.
  6. Third reading. Carried by Taylor. Passed.
  7. Second reading.
  8. Recommendation: Do pass with amendments to the A-Eng. bill. (Printed B-Eng.)
  9. Work Session held.
  10. Work Session held.
  11. Public Hearing held.
  12. Referred to Labor and Business.

Showing 12 most recent of 22 actions. Full history

Sources

  1. Open States / Plural (data from the official legislature website)
  2. Official legislature source