
A major focus in the 21st Century has been digital privacy and financial reform. New policies have sought to address online privacy, identity theft, and scams related to the COVID-19 pandemic. In 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act created America's first dedicated consumer financial oversight body in response to the 2008 financial crisis, which devastated millions of families. Presently, rapid shifts at the federal level are leaving consumers in the lurch, as law-breaking and unscrupulous companies are left with little to no oversight, posing a significant risk to their rights.
In this case, the court clarified that a consumer bringing a lawsuit could establish a product design defect by proving that the product failed to meet ordinary consumer expectations regarding safety. This case underscores the importance of consumer expectations in determining product liability in Oregon.
This act cracks down on overwhelming spam emails. It equips consumers with control over their email inboxes by requiring honest subject lines, valid return addresses, and clear working unsubscribe options. Previously, marketers could flood inboxes with misleading emails, fake return addresses, and no way to unsubscribe.

In this case, the Oregon Court of Appeals said arbitration agreements waiving class actions and other litigation writ large were unconscionable.
This Act prevents credit card companies from charging hidden fees and engaging in deceptive practices. The Act addresses unfair practices that some card issuers previously engaged in by banning retroactive rate increases, requiring clear payment term disclosures, limiting excessive fees, and protecting young consumers from predatory marketing.
This Act created America's first dedicated consumer financial oversight body in response to the 2008 financial crisis, which devastated millions of families. The Consumer Financial Protection Bureau (CFPB) enforces consumer protection laws, handles consumer complaints, and ensures fairness and transparency in financial products.

The ruling in this case requires consumers to demonstrate concrete harm to pursue legal action. This makes it harder to challenge questionable business practices through class action lawsuits and raises the bar for consumers seeking collective legal remedies against corporate wrongdoing.
This case highlights the importance of class actions in enforcing consumer protection laws, emphasizing the need for financial incentives for attorneys to pursue such cases. It was also the first use of Oregon’s Cy Pres legislation (HB 2700) and led to the formation of Oregon Consumer Justice.
The Washington D.C. Circuit Court upheld the CFPB's constitutionality, preserving this vital watchdog agency's ability to protect consumers from predatory financial practices. This ruling maintained strong federal oversight of financial products and services, protecting millions of consumers against unfair financial practices.
This Act strengthens consumers' ability to protect themselves from identity theft and gives special protections to veterans. The law makes credit freezes free (previously up to $60), provides special protections for veterans' credit reports, and simplifies the process of repairing credit damage caused by delayed VA medical bills.
This legislation (HB 4155) states that public entities in Oregon can only contract with Internet Service Providers (ISPs) that operate under net neutrality, which requires ISPs to enable equal access for all web traffic, regardless of the source.

This Act is a landmark victory for consumer data privacy, paving the way for other states to strengthen protections. The law gives consumers the right to know what data about them is collected, request data deletion, opt out of data sales, and access their information. Companies face penalties up to $7,500 per intentional violation of the Act.
This Act provides vital protections for consumers against fraud during the pandemic by targeting scammers promoting fake cures and price gouging on essential supplies. It strengthens the FTC's ability to penalize bad actors, recover money for defrauded consumers, and mandate clear disclosures for COVID-19-related claims.
The Oregon Supreme Court clarifies that the Unlawful Trade Practices Act (UTPA) does not require proof that a defendant's misrepresentation was relevant to a consumer's purchasing decisions. This broadens the scope of what counts as an unlawful trade practice under the Act.
Before this law, Oregon lacked comprehensive privacy regulations, raising concerns about businesses mishandling personal data. The Act grants consumers control over their data, including rights to access, delete, and opt out of its sale, while holding businesses accountable for transparency in data handling.
In Consumer Financial Protection Bureau v. Community Financial Services Association of America, Ltd, the court held in a 7-2 decision that the Dodd-Frank Act's funding structure for CFPB would be constitutional under the appropriation clause.

This Act requires manufacturers to provide replacement parts, software, tools, and repair documentation for consumer devices with computer chips. It saves Oregonians money, ensures access to repair resources, prevents manufacturers from disabling repaired devices, and mandates disclosure if non-authorized parts are used.
This Act updates debt collection and wage garnishment laws to align with federal standards, enhancing protections for Oregonians who face rising debt and unfair practices. The Act raises wage garnishment exemptions and home and car seizure protections, safeguards bank accounts, and prevents debt collectors from pursuing unowed debts.

The current Federal Administration is taking concentrated steps to undermine consumer protections, most notably by dismantling the Consumer Financial Protection Bureau (CFPB) and diminishing its ability to protect consumers against law-breaking companies, fraudulent practices, predatory lending, and other financially devastating behaviors.
Explore key eras in consumer protection history! Know your consumer rights so you can claim them. Together, we can engage in the necessary and hard work ahead to win greater protections for our communities and ensure every one of us can live a joyful, healthy life.
