United States of America: Bill on online transaction fee disclosure requirements (SB 430) was signed by Governor of Oregon

On 11 June 2025, the Governor of Oregon signed Senate Bill 430, as adopted in its B-engrossed version by the Legislative Assembly, into law. The Act prohibits any person offering or selling goods or services online from advertising, displaying, or offering a price for goods or services that excludes mandatory fees or charges required to complete a transaction, other than taxes imposed by governmental bodies, reasonable shipping charges actually incurred, or a service fee calculated according to distance or a purchaser’s selections, provided such service fee is prominently disclosed before payment. A violation is classified as an unlawful practice under the Unlawful Trade Practices Act, codified in Oregon Revised Statutes (ORS) 646.608, which is amended to reflect this requirement. Exemptions apply to financial institutions, mortgage bankers, mortgage brokers, and licensees already subject to disclosure obligations under specified federal statutes, including the Truth in Savings Act, the Electronic Fund Transfer Act, the Truth in Lending Act, the Real Estate Settlement Procedures Act, and the Home Ownership and Equity Protection Act, as well as broadband internet access providers compliant with federal broadband consumer label and disclosure rules. The Act applies to transactions concluded on or after its effective date of 1 January 2026.