Bill

Bill > HB4098


OR HB4098

OR HB4098
Relating to violations of the Insurance Code as unlawful trade practices.


summary

Introduced
02/02/2026
In Committee
02/16/2026
Crossed Over
Passed
Dead

Introduced Session

2026 Legislative Measures

Bill Summary

The statement includes a measure digest written in compliance with applicable readability standards. Digest: Adds bad acts done with respect to insurance to the list of bad acts that are subject to the Unlawful Trade Practices Act. Lets a person get from a court relief in addition to damages un- der the UTPA. Tells a district attorney to get permission from a state agency to take action under the UTPA in relation to insurance. (Flesch Readability Score: 60.6). Provides that a violation of prohibitions against certain practices with respect to insurance is subject to an enforcement action under the Unlawful Trade Practices Act. Specifies exemptions. Removes some exemptions for insurance from the definition of “real estate, goods or ser- vices” under the Unlawful Trade Practices Act. Permits a person to obtain, and a court to award, appropriate equitable relief in addition to monetary damages under the Unlawful Trade Practices Act. Requires the Director of the Department of Consumer and Business Services to request action before a prosecuting attorney may take action under the Unlawful Trade Practices Act against an act or practice related to insurance.

AI Summary

This bill expands the scope of the Unlawful Trade Practices Act (UTPA) to include certain violations related to insurance, making them subject to enforcement actions under the UTPA. It clarifies that individuals can seek equitable relief, such as court orders to stop certain practices, in addition to monetary damages when pursuing claims under the UTPA. Importantly, before a district attorney can take action against an insurance-related practice deemed unlawful under the UTPA, they must first obtain permission from the Director of the Department of Consumer and Business Services, who may also choose to be involved in any resulting legal proceedings. The bill also makes specific changes to exemptions within the UTPA, notably removing "insurance" from the definition of "real estate, goods or services" that are generally covered, but then reintroducing specific insurance-related practices as unlawful under the UTPA, particularly those involving the adjustment of third-party insurance claims and certain actions by insurance producers.

Committee Categories

Business and Industry

Sponsors (23)

Last Action

Bowman served notice of possible reconsideration. (on 02/18/2026)

bill text


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bill summary

Document Type Source Location
State Bill Page https://olis.oregonlegislature.gov/liz/2026R1/Measures/Overview/HB4098
Open Government Impact Statement for HB4098 A https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94849
Open Government Impact Statement for HB4098 AMR https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94848
Staff Measure Summary for HB4098 A (House) for the House Committee On Commerce and Consumer Protection https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94769
Fiscal Impact Statement for HB4098 A https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94766
BillText https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureDocument/HB4098/A-Engrossed
BillText https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureDocument/HB4098/House%20Minority%20Amendments%20to%20Introduced
BillText https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureDocument/HB4098/House%20Amendments%20to%20Introduced
BillText https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureDocument/HB4098/Minority%20Report%20A-Engrossed
Staff Measure Summary for HB4098 A (House) (Minority) for the House Committee On Commerce and Consumer Protection https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94743
Fiscal Impact Statement for HB4098 MRA https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94742
Fiscal Impact Statement for HB4098 A https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94741
Staff Measure Summary for HB4098 A (House) for the House Committee On Commerce and Consumer Protection https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94739
House Committee On Commerce and Consumer Protection (2026-02-12) https://olis.oregonlegislature.gov/liz/2026R1/Downloads/ProposedAmendment/30528
Revenue Impact Statement for HB4098 MRA https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94656
Revenue Impact Statement for HB4098 A https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94630
Fiscal Impact Statement for HB4098 A https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94596
HB 4098 -1, -2 Preliminary SMS https://olis.oregonlegislature.gov/liz/2026R1/Downloads/CommitteeMeetingDocument/313760
IS_Impact HB 4098 1 https://olis.oregonlegislature.gov/liz/2026R1/Downloads/CommitteeMeetingDocument/313746
IS_Impact HB 4098 1 https://olis.oregonlegislature.gov/liz/2026R1/Downloads/CommitteeMeetingDocument/313745
House Committee On Commerce and Consumer Protection (2026-02-12) https://olis.oregonlegislature.gov/liz/2026R1/Downloads/ProposedAmendment/30276
House Committee On Commerce and Consumer Protection (2026-02-12) https://olis.oregonlegislature.gov/liz/2026R1/Downloads/ProposedAmendment/30275
House Committee On Commerce and Consumer Protection (2026-02-10) https://olis.oregonlegislature.gov/liz/2026R1/Downloads/ProposedAmendment/30225
House Committee On Commerce and Consumer Protection (2026-02-10) https://olis.oregonlegislature.gov/liz/2026R1/Downloads/ProposedAmendment/30215
IS_Impact HB 4098 1 https://olis.oregonlegislature.gov/liz/2026R1/Downloads/CommitteeMeetingDocument/313160
HB 4098 -1 Preliminary SMS https://olis.oregonlegislature.gov/liz/2026R1/Downloads/CommitteeMeetingDocument/313126
Fiscal Impact Statement for HB4098 INTRO https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94375
HB 4098 Preliminary SMS https://olis.oregonlegislature.gov/liz/2026R1/Downloads/CommitteeMeetingDocument/312951
IS_Impact HB 4098 INTRO https://olis.oregonlegislature.gov/liz/2026R1/Downloads/CommitteeMeetingDocument/312914
Fiscal Impact Statement for HB4098 INTRO https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94343
HB 4098 (witness registration) https://olis.oregonlegislature.gov/liz/2026R1/Downloads/CommitteeMeetingDocument/312539
Revenue Impact Statement for HB4098 INTRO https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94263
HB 4098 Preliminary SMS https://olis.oregonlegislature.gov/liz/2026R1/Downloads/CommitteeMeetingDocument/312296
Open Government Impact Statement for HB4098 INTRO https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureAnalysisDocument/94036
BillText https://olis.oregonlegislature.gov/liz/2026R1/Downloads/MeasureDocument/HB4098/Introduced
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