HB 3178 — Requires a seller in a motor vehicle transaction that involves a retail installment contract or lease agreement to make a good faith effort to sell the retail installment contract or lease agreement to a lender on the exact terms that the seller and buyer negotiated.
Congress · introduced 2024-12-31
Digest: Sets out rules a seller must follow when making a sale or lease of a motor vehicle that involves installment payments. (Flesch Readability Score: 60.6). Requires a seller in a motor vehicle transaction that involves a retail installment contract or lease agreement to make a good faith effort to sell the retail installment contract or lease agreement to a lender on the exact terms that the seller and buyer negotiated. Requires the seller to undertake certain actions if the lender does not agree to buy the retail installment contract or lease agreement within 10 calendar days after the buyer takes possession of the motor vehicle. Prohibits the seller from selling or paying off a loan balance for any trade-in vehicle that is part of the transaction before receiving a lender's final approval of funding. Specifies the liabilities a seller has for failing to comply with the prohibitions. Requires the seller to provide the buyer with certain disclosures before concluding the transaction. Punishes a violation of the Act as an unlawful practice under the Unlawful Trade Practices Act.
Latest action: — Chapter Number Assigned
Sponsors
- Sosa, Nathan (D, OR-30) — sponsor
- Taylor, Kathleen (D, OR-21) — sponsor
- Lively, John (D, OR-7) — cosponsor
- Campos, Wlnsvey (D, OR-18) — cosponsor
- Frederick, Lew (D, OR-22) — cosponsor
- Patterson, Deb (D, OR-10) — cosponsor
- Chotzen, Willy (D, OR-46) — cosponsor
- Grayber, Dacia (D, OR-28) — cosponsor
Action timeline
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Text versions
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Connected on the graph
Inbound (8)
| date | from | type | amount | role | source |
|---|---|---|---|---|---|
| 2024-12-31 | Chotzen, Willy | cosponsor_of_bill | — | cosponsor | sponsorship |
| 2024-12-31 | Grayber, Dacia | cosponsor_of_bill | — | cosponsor | sponsorship |
| 2024-12-31 | Lively, John | cosponsor_of_bill | — | cosponsor | sponsorship |
| 2024-12-31 | Sosa, Nathan | sponsor_of_bill | — | sponsor | sponsorship |
| 2024-12-31 | Campos, Wlnsvey | cosponsor_of_bill | — | cosponsor | sponsorship |
| 2024-12-31 | Frederick, Lew | cosponsor_of_bill | — | cosponsor | sponsorship |
| 2024-12-31 | Patterson, Deb | cosponsor_of_bill | — | cosponsor | sponsorship |
| 2024-12-31 | Taylor, Kathleen | sponsor_of_bill | — | sponsor | sponsorship |
Who matters
Members ranked by combined influence on this bill: role (sponsor 5 / cosponsor 1), capped speech count from the Congressional Record, and recorded-vote engagement.
| # | Member | Role | Speeches | Voted | Score |
|---|---|---|---|---|---|
| 1 | Sosa, Nathan (D, state_lower OR-30) | sponsor | 0 | — | 5 |
| 2 | Taylor, Kathleen (D, state_upper OR-21) | sponsor | 0 | — | 5 |
| 3 | Campos, Wlnsvey (D, state_upper OR-18) | cosponsor | 0 | — | 1 |
| 4 | Chotzen, Willy (D, state_lower OR-46) | cosponsor | 0 | — | 1 |
| 5 | Frederick, Lew (D, state_upper OR-22) | cosponsor | 0 | — | 1 |
| 6 | Grayber, Dacia (D, state_lower OR-28) | cosponsor | 0 | — | 1 |
| 7 | Lively, John (D, state_lower OR-7) | cosponsor | 0 | — | 1 |
| 8 | Patterson, Deb (D, state_upper OR-10) | cosponsor | 0 | — | 1 |
Predicted vote
Aggregated from: actual roll-call votes (when present) → sponsor → cosponsor → party median (predicts YES when ≥25% of the caucus sponsored/cosponsored). Each row labels its confidence tier so you can see why a position was predicted.
0 predicted yes (0%) · 543 predicted no (100%) · 0 unknown (0%)
By party: · R: 0 yes / 277 no · D: 0 yes / 263 no · I: 0 yes / 3 no
Activity
Every typed-graph event involving this entity, newest first. Each row is one edge in the influence graph; click the date to jump to its provenance.
- 2024-12-31 · cosponsored by Frederick, Lew (cosponsor) · sponsorship
- 2024-12-31 · cosponsored by Grayber, Dacia (cosponsor) · sponsorship
- 2024-12-31 · cosponsored by Lively, John (cosponsor) · sponsorship
- 2024-12-31 · cosponsored by Campos, Wlnsvey (cosponsor) · sponsorship
- 2024-12-31 · sponsored by Sosa, Nathan (sponsor) · sponsorship
- 2024-12-31 · sponsored by Taylor, Kathleen (sponsor) · sponsorship
- 2024-12-31 · cosponsored by Patterson, Deb (cosponsor) · sponsorship
- 2024-12-31 · cosponsored by Chotzen, Willy (cosponsor) · sponsorship