Oregon (OR)
Money transmission and virtual currency licensing planning data for Oregon.
Population weight (planning): 1.24% · Back to matrix · Launch map
How to read this page: confirmed cells are checked against a primary regulatory source and dated. Under review marks a cell where primary sources conflict or a figure awaits confirmation.
MTL required
Yes. Oregon's money transmitter licence (ORS chapter 717) has applied to virtual currency businesses since the 'money' definition was broadened to include value that substitutes for currency; the Division of Financial Regulation states plainly that virtual currency exchanges need a licence.
Verified 2026-07-16. Source
Fiat treatment
Fiat money transmission (wiring, bill payment, payment instruments) is licensed under ORS 717.205, administered by the Division of Financial Regulation within the Department of Consumer and Business Services.
Verified 2026-07-16. Source
Virtual currency treatment
Virtual currency sits inside the 'money' definition itself (ORS 717.200(10)(b): value that substitutes for currency without government-backed legal-tender status), so exchanging or issuing virtual currency is money transmission requiring a licence, confirmed directly in DFR's consumer guidance.
Verified 2026-07-16. Source
Regulator
Division of Financial Regulation (DFR), Oregon Department of Consumer and Business Services.
Verified 2026-07-16. Source
NMLS / portal
Money Transmitter licence via NMLS; Oregon's checklist sits on the NMLS State Licensing Resource Center (StateID OR).
Verified 2026-07-16. Source
Launch posture
green: Low fixed capital thresholds for a single office ($25,000 bond, $100,000 net worth) and an explicit, regulator-confirmed statutory inclusion of virtual currency leave little interpretive risk.
Verified 2026-07-16. Source
Net worth / capital (locked)
Net worth / capital is included with access.Permissible investments (locked)
Permissible investments is included with access.Exam / audit timeline (locked)
Exam / audit timeline is included with access.Practitioner notes (locked)
Practitioner notes is included with access.Under the planning scenario
LicenceMap's bond and net worth figures use one scenario throughout: a virtual currency exchange with a fiat on and off ramp, $50m in annual US transmission volume, $2m in average daily outstanding liability, and a single principal office.
Surety bond: Surety bond is included with access.
Net worth / capital: Net worth / capital is included with access.