Oregon DIDMCA Opt-Out Veto Letter
AFSA’s State Government Affairs team has sent a letter urging Oregon’s governor to veto HB 4116, warning that the bill would strip state‑chartered banks of essential DIDMCA protections while leaving national banks untouched.
The proposal would create legal uncertainty, operational risk, and a direct competitive disadvantage for Oregon‑based institutions. AFSA believes a veto is necessary to preserve a fair marketplace and protect the state’s own financial system.
March 26th, 2026
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