Oregon payments and fintech bills
Every payments and fintech bill in the Oregon Legislature, what each would do, and where it stands. 42 states enacted payments and fintech laws in the 2025 and 2026 sessions. Oregon has bills in progress and none enacted yet.
5 new Oregon laws take effect in 2027
- Bills in scope
- 3bills in scope
- Past committee
- 0past committee
- Most recent action
- 28 June 2025most recent action
Payments and fintech in Oregon, by topic
Money transmission and licensing
2 bills. Enacted in 24 states.
Virtual currency and crypto kiosks
1 bill. Enacted in 34 states.
Card surcharges and payment fees
1 bill. Enacted in 14 states.
Prepaid, gift cards and P2P
1 bill. Enacted in 14 states.
Payments and fintech bills in Oregon
The bills not yet law, furthest along first, with what each would do.
3Introduced or inactive
3 bills in scope
Introduced or inactive
3
What it would do: Prohibits state and local governments from restricting blockchain and digital asset activities including peer-to-peer transactions, self-hosted wallets, node operation, and software development. Exempts these activities from money transmitter regulations and prohibits taxes solely based on digital asset payment use.
What it would do: Amends ORS 717.210 to add a new exemption from money transmission licensing requirements for persons who facilitate payments through a licensee or regulated financial institution without engaging in money transmission themselves, if payment satisfies the payor's obligation to the payee.
What it would do: Prohibits merchants from charging fees for credit or debit card use unless they also accept cash payment. Clarifies that merchants may request identity verification and keep shipping/warranty information, and that prohibitions on identity verification are void.
Bill titles link to the Oregon Legislature's own page.
What counts as payments and fintech legislation
In scope: Money transmission and licensing; virtual currency and crypto kiosks; card surcharges and payment fees; interchange and card networks; earned wage access; bNPL and bank partnerships; prepaid, gift cards and P2P; and payment fraud and scams.
Questions
Does Oregon have a payments and fintech law?
None of the 3 payments and fintech bills in the Oregon Legislature has been enacted in the 2025 and 2026 sessions.
What does Oregon legislate on most in payments and fintech?
Money transmission and licensing (2 bills), Virtual currency and crypto kiosks (1 bill) and Card surcharges and payment fees (1 bill).
Are these summaries reviewed by a lawyer?
No. Which bills count as Payments and fintech bills, and the line on what each law requires or each bill would do, are drafted by software from the bill's own text and not reviewed by an attorney. Every bill links to the legislature's own record: read the text before relying on it. The list covers bills from the 2025 and 2026 sessions.
Other practice areas in Oregon
- AI in Oregon11
- Alcohol in Oregon10
- Cannabis in Oregon30
- Children's Online Safety in Oregon6
- Cybersecurity in Oregon4
- Data center and energy in Oregon3
- Data Privacy in Oregon10
- Employment in Oregon145
- Healthcare in Oregon160
- Insurance in Oregon74
- Intellectual Property in Oregon5
- Packaging and PFAS in Oregon19
- Rental housing in Oregon32
- Tobacco and nicotine in Oregon8
- Transportation in Oregon11
- All jurisdictions
Payments and fintech legislation in other jurisdictions
51 more currently hold bills in this tracker
- New Jersey66
- Congress61
- New York38
- Texas32
- Michigan28
- Massachusetts27
- Oklahoma24
- Mississippi21
- Florida20
- Illinois18
- Missouri18
- Connecticut17
- Minnesota17
- Maryland16
- California15
- Hawaii13
- West Virginia13
- Arizona12
- Iowa12
- Louisiana12
- Montana12
- Pennsylvania12
- Rhode Island12
- Virginia12
- Indiana11
- Maine11
- Washington11
- Nebraska10
- Tennessee10
- Delaware9
- Kentucky9
- Utah9
- Arkansas8
- Georgia8
- South Carolina8
- Vermont8
- Wisconsin8
- Idaho7
- North Carolina7
- Ohio7
- Alaska6
- Colorado6
- Kansas6
- New Hampshire6
- South Dakota6
- Alabama5
- Puerto Rico5
- Nevada4
- Wyoming4
- North Dakota3
- New Mexico3
Know when Oregon's payments and fintech law changes
An alert when a bill moves, and one report a month on what changed in every state and Congress.