Under Senate Bill 1552, Oregon law relating to a lender’s right to bring a deficiency claim against the borrower changed effective July 11, 2012. Under the new law, whether a trust deed is a ” residential trust deed” is not based upon whether the property was occupied as the primary residence at the time of the start of the foreclosure process, but whether the property was occupied as the primary residence at the time of the default under the loan leading to the foreclosure sale