# Online Sources — Oregon Consumer-Debt Research

Canonical URLs for Oregon and federal consumer-debt research.
WebFetch only; per the plugin's safety policy.

## Oregon statutes

- **ORS 12** (Limitations):
  https://www.oregonlegislature.gov/bills_laws/ors/ors012.html
- **ORS 18** (Judgments / garnishment):
  https://www.oregonlegislature.gov/bills_laws/ors/ors018.html
- **ORS 20** (Fees / costs):
  https://www.oregonlegislature.gov/bills_laws/ors/ors020.html
- **ORS 36** (Mandatory arbitration):
  https://www.oregonlegislature.gov/bills_laws/ors/ors036.html
- **ORS 40** (Evidence Code):
  https://www.oregonlegislature.gov/bills_laws/ors/ors040.html
- **ORS 71-79** (Oregon UCC):
  https://www.oregonlegislature.gov/bills_laws/ors/ors071.html
  through ors079.html
- **ORS 82** (Interest / usury):
  https://www.oregonlegislature.gov/bills_laws/ors/ors082.html
- **ORS 187** (Holidays):
  https://www.oregonlegislature.gov/bills_laws/ors/ors187.html
- **ORS 646** (UTPA):
  https://www.oregonlegislature.gov/bills_laws/ors/ors646.html
- **ORS 697** (Collection Agency Registration Act):
  https://www.oregonlegislature.gov/bills_laws/ors/ors697.html

## Oregon court rules

- **ORCP** (Council on Court Procedures):
  https://counciloncourtprocedures.org/
- **ORCP** (OJD mirror):
  https://www.courts.oregon.gov/rules/Pages/orcp.aspx
- **UTCR**:
  https://www.courts.oregon.gov/rules/UTCR/Pages/default.aspx
- **ORAP**:
  https://www.courts.oregon.gov/rules/Pages/orap.aspx
- **Multnomah SLR**:
  https://www.courts.oregon.gov/courts/multnomah/rules
- **Washington Co (Oregon) SLR**:
  https://www.courts.oregon.gov/courts/washington/rules

## Oregon administrative rules

- **OAR** (general):
  https://secure.sos.state.or.us/oard/displayDivisionRules.action
- **OAR 441** (DCBS — collection agencies):
  https://secure.sos.state.or.us/oard/

## Oregon DCBS — collection-agency registration

- **Registration database (searchable)**:
  https://orcfr.dcbs.oregon.gov/
- **DCBS Division of Financial Regulation**:
  https://dfr.oregon.gov/

## Oregon case law

- **OJD Publications**:
  https://www.publications.ojd.state.or.us/
- **CourtListener — Oregon Supreme Court**:
  https://www.courtlistener.com/?type=o&court=or
- **CourtListener — Oregon Court of Appeals**:
  https://www.courtlistener.com/?type=o&court=orctapp
- **Google Scholar — Oregon courts**:
  https://scholar.google.com/

## Federal law

- **U.S. Code**:
  https://uscode.house.gov/
- **FDCPA (15 USC § 1692 et seq.)**:
  https://uscode.house.gov/view.xhtml?req=granuleid%3AUSC-prelim-title15-chapter41-subchapter5&edition=prelim
- **FCRA (15 USC § 1681 et seq.)**:
  https://uscode.house.gov/view.xhtml?req=granuleid%3AUSC-prelim-title15-chapter41-subchapter3&edition=prelim
- **TILA (15 USC § 1601 et seq.)**:
  https://uscode.house.gov/view.xhtml?req=granuleid%3AUSC-prelim-title15-chapter41-subchapter1&edition=prelim
- **eCFR (12 CFR — banking regs)**:
  https://www.ecfr.gov/current/title-12
- **Reg F (12 CFR pt 1006)**:
  https://www.ecfr.gov/current/title-12/chapter-X/part-1006

## Federal case law

- **CourtListener — 9th Circuit**:
  https://www.courtlistener.com/?type=o&court=ca9
- **CourtListener — District of Oregon**:
  https://www.courtlistener.com/?type=o&court=ord

## CFPB

- **CFPB main**:
  https://www.consumerfinance.gov/
- **CFPB Reg F implementing rules**:
  https://www.consumerfinance.gov/policy-compliance/rulemaking/
  final-rules/debt-collection-practices-regulation-f/
- **CFPB enforcement actions**:
  https://www.consumerfinance.gov/enforcement/actions/
- **CFPB amicus briefs**:
  https://www.consumerfinance.gov/about-us/blog/
  the-cfpb-files-amicus-briefs/

## Oregon legal aid

- **Legal Aid Services of Oregon**:
  https://lasoregon.org/
- **Oregon Law Center**:
  https://oregonlawcenter.org/
- **CLEAR Legal Hotline**: (800) 520-5292
- **OSB Lawyer Referral**:
  https://www.osbar.org/public/ris/
- **OSB Modest Means**:
  https://www.osbar.org/public/ris/modestmeans.html

## Federal Trade Commission

- **FTC consumer protection**:
  https://www.ftc.gov/business-guidance/privacy-security/
  consumer-financial-services

## Authoritative scholarship and treatises

- **National Consumer Law Center** (NCLC) publishes practice
  manuals on FDCPA, UTPA-parallel state laws, and chain of
  title:
  https://www.consumerlaw.org/
- **CFPB Manual** (compliance manual; not binding but
  persuasive):
  https://www.consumerfinance.gov/policy-compliance/
  compliance/compliance-resources/

## State-specific debt-collection resources

- **National Association of Consumer Advocates** (NACA):
  https://www.consumeradvocates.org/
- **Oregon Consumer Justice** (formerly Oregon Consumer
  League):
  https://oregonconsumerjustice.org/

## Court database access for chain-of-title research

If researching a specific debt buyer's chain of title:

- **Oregon Secretary of State business search**:
  https://sos.oregon.gov/business/Pages/find.aspx
- **Delaware Secretary of State** (for Delaware LLCs):
  https://icis.corp.delaware.gov/Ecorp/EntitySearch/NameSearch.aspx
- **SEC EDGAR** (for publicly traded debt buyers):
  https://www.sec.gov/cgi-bin/browse-edgar

## Cross-references

- `or-consumer-debt` SKILL — main bundle
- `or-law-references/references/online-sources.md` —
  general civil practice URLs
- `or-law-references/references/legal-data-apis.md` —
  programmatic access
- `or-fact-check` — citation verification using these URLs