Who is exempt from Oregon's online all-in price law?
Quick answer
ORS 646A.087 covers anyone who offers or sells goods or services online. It does not apply to listed financial institutions, mortgage bankers, mortgage brokers and certain licensed lenders to the extent federal disclosure laws such as Truth in Lending govern the transaction, or to broadband providers that follow the FCC broadband label or related federal disclosure rules.
What does the law say? Key facts and official sources
| Item | What the law says | Source |
|---|---|---|
| Who is covered | A person that offers or sells goods or services online (646A.087(1)) | ORS 646A.087 |
| Main rule | No advertised, displayed or offered price that leaves out fees or charges the purchaser must pay to complete the transaction (646A.087(1)) | ORS 646A.087 |
| Can stay out of the price | Government taxes or fees on the transaction; reasonable charges actually incurred to ship the goods or provide the services; a service fee based on distance or the purchaser's selections, if disclosed prominently before the purchaser agrees to pay (646A.087(1)(a)-(c)) | ORS 646A.087 |
| Exempt: finance | Financial institutions (ORS 706.008), mortgage bankers and brokers (ORS 86A.100) and licensees (ORS 725.010), to the extent they must give disclosures under the Truth in Savings, Electronic Fund Transfer, Federal Reserve, Truth in Lending, RESPA or HOEPA laws as in effect January 1, 2026 (646A.087(3)(a)) | ORS 646A.087 |
| Exempt: broadband | Broadband providers (and affiliates) that comply with the FCC broadband label at 47 C.F.R. 8.2(a), or the disclosure rules at 47 C.F.R. 64.2401 or 76.310 (646A.087(3)(b)) | ORS 646A.087 |
| Violation | An unlawful practice under ORS 646.608 (646A.087(2)) | ORS 646A.087 |
| Origin | 2025 c.311, section 1 | ORS 646A.087 |
| Last verified | October 27, 2026 | Astor Ventures |
Are restaurants or hotels exempt in Oregon?
Not under this section. Unlike Colorado or Virginia, ORS 646A.087 has no separate restaurant, hotel or gratuity route. Its exemptions are limited to the listed financial businesses and broadband providers in subsection (3); everyone else selling online follows the general rule and the three listed exclusions from the price.
Does the law cover prices shown only in a physical store?
The section is written for "a person that offers or sells goods or services online", and the rule is about the price that person advertises, displays or offers. It does not separately address a business that has no online offer at all. If you sell online, apply the rule to every price you show online.
Is a bank exempt for everything?
No. The finance exemption applies only "to the extent" the business must give disclosures for a transaction under the listed federal laws (646A.087(3)(a)). A product or fee outside those federal disclosure regimes is not covered by that wording.
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What else do people ask?
Is shipping exempt?
Reasonable charges you actually incur to ship the goods may stay out of the advertised price (646A.087(1)(b)). See our shipping guide for the wording question we flagged.
Can a customer sue?
A violation is an unlawful practice under ORS 646.608 (646A.087(2)). See our Oregon junk fee lawsuit guide.
Are internet providers exempt?
Only if they follow the FCC broadband label or the listed federal disclosure rules (646A.087(3)(b)).
Is this legal advice?
No. General information only.