Office address: 350 Winter St NE 2nd floor, Salem, OR 97301
Website: www.oregon.gov/dcbs
Year established: 1993
Employees: 1,000+
Key people: Sean O'Day (interim director); Alana Cox (admin); Michael Campbell (internal auditor); Mark Peterson, Theresa Van Winkle, Samantha Powell, Mary Jaeger, and Bryant Campbell (directors)
Operating budget: $724 million (2023–25 biennium)
The Oregon Department of Consumer and Business Services (DCBS) is the largest agency in the state for consumer protection and business regulation. It oversees insurance, financial services, workplace safety, building codes, and workers' compensation.
The Oregon DCBS was officially established in 1993 through a merger of multiple state agencies. Its roots, however, reach back more than a century to when Oregon began regulating insurance, workplace safety, and banking.
Since then, the state formed several offices that later became the building blocks of DCBS. Some of its key moments include:
In 2024, DCBS's Division of Financial Regulation handled 5,445 complaints and recovered nearly $9 million for consumers. These actions helped DCBS become Oregon’s largest business and consumer protection agency.
DCBS operates under legal authority granted by the Oregon Revised Statutes (ORS). Its core mission is to protect Oregon consumers and workers while supporting a fair and safe business environment.
The agency enforces its responsibilities through specialized divisions and programs:
Through these divisions and programs, DCBS protects the financial well-being, safety, and rights of Oregon residents and businesses.
It is led by a director, who is appointed by the governor and confirmed by the Oregon Senate. As of 2025, the interim director is Sean O'Day, who oversees policy decisions and coordination across all agency divisions.
The Oregon Department of Consumer and Business Services carries out core responsibilities, which include:
DCBS helps Oregon’s systems run safely and fairly for families, workers, and employers. Its work touches daily life in every corner of the state.
The Oregon Department of Consumer and Business Services recently backed a new Oregon law that requires insurers to explain premium increases in plain, written language. The agency said the rule helps consumers understand pricing and supports fairness in rate filings.
DCBS supported Senate Bill 831, which added new monitoring rules for insurers and corporate groups. The law gives DCBS more tools to monitor financial risks and enforce stronger reporting standards.
The Oregon Department of Consumer and Business Services helps people solve problems with insurance, finance, and workplace benefits. It reviews thousands of complaints each year and recovers money for consumers through its advocacy and resolution work.
DCBS also offers free tools like the Health Insurance Rate Review guide and complaint comparison search. These services help Oregonians make informed choices and protect their rights.
It and one other insurer fell foul of emergency orders
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Agent allegedly sold forged international driving permits
A state regulator says the insurer never got a required boost to capital levels – and that its health plan is insolvent
Reforms through employers and unions, sanctioned by the governor, have cut average insurance premiums from $6 per $100 of payroll to $2.86 since 2003
Insurance regulators in both states have retracted the actions they had taken against the health insurer, having come to an agreement
