Or. Rev. Stat. § 646.648 (2026)

      646.648 Unlawful practice by manufactured dwelling dealer. (1) As used in this section:

      (a) “Buyer” means a person who buys or agrees to buy a manufactured dwelling from a manufactured dwelling dealer.

      (b) “Cash sale price” means the price for which a manufactured dwelling dealer would sell to a buyer, and the buyer would buy from a dealer, a manufactured dwelling that is covered by a purchase agreement, if the sale were a sale for cash instead of a retail installment sale.

      (c) “Manufactured dwelling” has the meaning given that term in ORS 446.003.

      (d) “Manufactured dwelling dealer” means a person licensed under ORS 446.691 or 446.696 or a temporary manufactured structure dealer licensee under ORS 446.701.

      (e) “Retail installment sale” has the meaning given that term in ORS 83.510.

      (2) A manufactured dwelling dealer engages in an unlawful practice when, in a sale of a manufactured dwelling, the dealer does any of the following:

      (a) Misrepresents to a buyer that, as a condition of financing, the buyer must purchase:

      (A) Credit life insurance;

      (B) Credit disability insurance;

      (C) Credit unemployment insurance;

      (D) Credit property insurance;

      (E) Health insurance;

      (F) Life insurance; or

      (G) An extended warranty.

      (b) In close connection with the sale, misrepresents to a lender:

      (A) The cash sale price;

      (B) The amount of the buyer’s down payment; or

      (C) The buyer’s credit or employment history. [2001 c.917 §1; 2003 c.655 §82]

      646.649 [1999 c.400 §§2,3; renumbered 646A.800 in 2013]

      646.650 [Repealed by 1953 c.391 §2]

      646.651 [1999 c.875 §2; renumbered 646A.803 in 2013]