HB 4098 Oregon House · 2026 Regular Session

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

Summary

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 services" 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.

Bill status failed 2 of 4 stages cleared

Introduction

Feb 2026

Committee Review

Feb 2026

House Failed

Feb 2026

Governor

Introduced Feb 2, 2026 Last action Mar 7, 2026

Maddy AI version diff · 1 comparison

What changed between versions

Introduced → A-Engrossed · 5 edits

MODERATE

This bill expands consumer protections by adding insurance-related bad acts to the Unlawful Trade Practices Act, allowing victims to seek equitable relief like injunctions in addition to monetary damages. It also clarifies that insurance companies are not exempt from the Act's definitions regarding real estate, goods, or services, and updates the list of bill sponsors to reflect new co-sponsors.

Scope change

The bill's scope expanded to explicitly include insurance practices under the Unlawful Trade Practices Act, whereas previously insurance was partially exempt from certain definitions.

ENFORCEMENT

Added the ability for courts to award equitable relief (such as injunctions) alongside monetary damages for violations of insurance-related prohibitions.

DEFINITION

Removed exemptions for insurance companies from the definition of 'real estate, goods, or services' under the Unlawful Trade Practices Act.

Revised the definition of 'Examination' to remove bracketed alternative phrasing, clarifying the scope of documentary material review.

Revised the definition of 'Person' to remove bracketed alternative phrasing, standardizing the list of eligible entities.

ELIGIBILITY

Updated the list of bill sponsors to include Representatives SOSA, EVANS, GOMBERG, and JAVADI, while removing Representatives GAMBA and WISE from the original list.

Floor votes · House Feb 18, 2026

How they voted

28–29

Failed · 2 other

Total votes 59

Feb 18, 2026

D Democratic37

28 Yea 8 Nay 1

75% Yea

R Republican22

21 Nay 1

95% Nay

Vote distribution

All Yea All Nay Mixed No data

Full legislative history

Actions timeline

Total actions

Key actions

Committee

Feb 18, 2026

Vote failed

House Vote: fail (28-29-2)

house

Feb 17, 2026

Lower · Passed

Minority Recommendation: Do pass with different amendments and be printed A-Engrossed.

lower

Feb 17, 2026

Lower · Passed

Recommendation: Do pass with amendments and be printed A-Engrossed.

lower

Feb 2, 2026

Committee

Referred to Commerce and Consumer Protection.

lower

Feb 2, 2026

Introduced

First reading. Referred to Speaker's desk.

lower

3 primary · 19 co-sponsors