Car Dealer Contract Disclosure Form (HB 3178)

Overview:

House Bill (HB) 3178 » , enacted during the 2025 Oregon Legislative Session (effective January 1, 2026), enhances consumer protections in motor vehicle financing transactions. The law requires auto dealers to provide buyers with a plain-language disclosure about their rights when a retail installment contract or lease agreement depends on a lender’s approval. The purpose of this requirement is to ensure transparency and empower car buyers in Oregon by:

Explaining your rights if financing terms cannot be finalized;
Guaranteeing a right to void the transaction under specified conditions;
Shortening the time a dealer has to secure financing;
Providing contact information for the Oregon Department of Justice and other resources if the dealer fails to comply; and
Making the disclosure available in multiple languages.

Download the HB 3178 Model Disclosure Form:

Questions or Comments:

If you have questions or believe a dealer has not complied with the disclosure requirements under HB 3178, contact:

Consumer Hotline