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The Oregon Department of Consumer and Business Services Division of Financial Regulation published a Bulletin reminding insurers they are required to file underwriting guidelines with the division, per the Oregon Insurance Code.

ORS 737.205(1) requires that every insurer file with the Director of the Department of Consumer and Business Services copies of rates, rating plans, and rating systems. Specific to personal lines, insurers should file a tier rating system summary if tiers are part of their rating system, a histogram, and a full copy of their underwriting guidelines. If an insurer is filing to indicate revisions or changes, they should still file copies of rates, rating plans, and rating systems. Changes or revisions should be filed prior to implementation. 

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