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ORLast updated: 2026-01
Oregon Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Oregon.
Maximum Interest Rate
12%
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
12%
Penalty Type
Forfeiture of interest
Notes
General limit is 12% or 5% + Federal Reserve discount rate.
Business Exemption
Business loans over $50,000 are exempt.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Seller's Property Disclosure Statement
- Lead-based paint disclosure (pre-1978)
Licensing Required
No license required
No license required for seller financing own property.
Consumer Protection
Applicable laws protecting buyers
- Oregon Unlawful Trade Practices Act
Real Estate Specifics
Foreclosure process and property laws
- Deed of Trust state
- Non-judicial foreclosure (180-day minimum)
- No statutory redemption after sale
Legal Disclaimer
This information about Oregon regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Oregon attorney before entering into any seller financing arrangement.