Division of Finance and Corporate Securities - Oregon Division of - dfcs oregon 2025

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The FCA is now responsible for the regulation of mortgage products and services. This means that every lender and mortgage intermediary must be authorised and regulated by the FCA to ensure they provide professional services.
The Federal Housing Finance Agency (FHFA) is an independent agency established by the Housing and Economic Recovery Act of 2008 (HERA) and is responsible for the effective supervision, regulation, and housing mission oversight of the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage
ORS Chapter 86A Mortgage Lending.
Regulating to ensure the safety and soundness of banks, trusts, and credit unions, and examining other financial institutions for compliance. Regulating the sale of investment securities in Oregon, reviewing securities offerings, and licensing those who sell them and those who advise about or manage securities.
The Division of Financial Regulation protects consumers and regulates insurance, depository institutions, trust companies, securities, and consumer financial products and services. It is part of the Department of Consumer and Business Services, Oregons largest consumer protection agency.
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Exemptions. As noted, the Oregon securities law exempts certain securities and securities transactions from the securities registration requirements. This can include private offerings to a limited number of people, private offerings to high net-worth individuals, or highly sophisticated purchasers.
The Division of Financial Regulation has regulatory authority over mortgage brokers, lenders, independent processor contractors, and mortgage loan originators conducting business in Oregon. Mortgage brokers and lenders are required to obtain a license as a mortgage lender in Oregon.

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