{"data":{"id":"us-or/ors-165.074","jurisdiction":"us-or","citation":"ORS 165.074","heading":"Unlawful factoring of payment card transaction.","body":"(1) A person commits the crime of unlawful factoring of a payment card transaction if the person intentionally or knowingly:\n      (a) Presents to or deposits with, or causes another to present to or deposit with, a financial institution for payment a payment card transaction record that is not the result of a payment card transaction between the cardholder and the person;\n      (b) Employs, solicits or otherwise causes a merchant to present to or deposit with a financial institution for payment a payment card transaction record that is not the result of a payment card transaction between the cardholder and the merchant;\n      (c) Employs, solicits or otherwise causes another to become a merchant for purposes of engaging in conduct made unlawful by this section;\n      (d) Uses a scanning device to access, read, scan, obtain, memorize or store information encoded on a payment card:\n      (A) Without the permission of the cardholder; or\n      (B) With the intent to defraud another person; or\n      (e) Uses a reencoder to place encoded information from one payment card onto another payment card:\n      (A) Without the permission of the cardholder of the payment card from which encoded information is being taken; or\n      (B) With the intention to defraud another person.\n      (2) Unlawful factoring of a payment card transaction is a Class C felony.\n      (3) Notwithstanding subsection (2) of this section, unlawful factoring of a payment card transaction is a Class B felony if the person has one or more previous convictions under this section. [1991 c.398 §2; 2003 c.383 §2]\nBUSINESS AND COMMERCIAL OFFENSES","path":["04 - Criminal Procedure, Crimes","16. Crimes and Punishments","Chapter 165 — Offenses Involving Fraud or Deception"],"source_url":"https://www.oregonlegislature.gov/bills_laws/ors/ors165.html","current_through":"2025 Edition","vintage":"","retrieved_at":"2026-09-03T23:50:11Z","sha256":"1684ab37c85567f763e4bc94275babfb266ab25fbeee70a1d98379ce11bf892b","source_id":"us-or","stale":false,"prev":"us-or/ors-165.072","next":"us-or/ors-165.075"},"notice":"GroundRules: Original legal text. Not legal advice."}