Starting in 2026, Oregonians won’t have to worry about unpaid medical bills ruining their credit or car dealers changing loan terms after they’ve driven off the lot. A third measure that also takes effect in 2026 will require online sellers to proactively disclose fees before customers check out. “No one who’s trying to just do the basics should be dealing with these types of barriers,” Kotek said. Those changes at the federal level put more pressure and responsibility on states, Kotek told the Capital Chronicle. “For a lot of Oregon households, buying cars is one of their biggest, if not their biggest, purchase,” Kotek said.