Debt consolidating agencies are affected by a new law introduced in the state of Oregon. The new law, which is referred to as HB 2191, redefined debt consolidating agencies as “debt management service providers’ and modified the present $10,000 surety bond requirement so that this quantity now is the minimum requirement. HB 2191 also terminated the required fidelity bond for consolidating agency’s who are incorporated under the federal Internal Revenue Code. The Director of the Department of Consumer and Business Services may establish the surety bond quantity. The new law authorizes direct actions on the surety bond. HB 2191 became active upon enactment.