OAR 441-755-0210: Unfair or Deceptive Practices

It is an unfair or deceptive practice for a licensee to: (1) Impose fees contrary to posted information at the location where the payment instrument is cashed. (2) Refuse to accept valid and current government-issued photo identification presented by the customer, resulting in greater fees being charged to the customer. (3) Charge fees other than the rate most favorable to the consumer when a payment instrument could fit into more than one category described in ORS 697.520. (4) Limit the amount of cash provided to a customer or require a customer to receive a payment, in whole or in part, by a method that causes the customer to pay additional or further fees to the licensee or other persons. This section does not apply to a transaction initiated by a customer request for a money order or other alternative forms of payment. (5) Require a customer to cash separate payment instruments in a manner to avoid the limitations on the fees that may be charged. (6) Alter or delete any information on a cashed payment instrument. (7) Charge check-cashing fees on a postdated payment instrument accepted from a customer in a payday loan transaction with a licensee that also holds a short-term lending license.