Colorado Code
Title 5 - Consumer Credit Code

§ 5-1-302. Definitions - Federal "Truth in Lending Act" and Federal "Consumer Leasing Act" - In this code, federal "Truth in Lending Act", 15 U.S.C....

§ 5-1-303. Index of Definitions in Code - Definitions in this code and the sections in which they...

Article 2 - Finance Charges and Related Provisions

Part 1 - General Provisions

§ 5-2-101. Short Title - This article shall be known and may be cited as...

§ 5-2-102. Scope - For purposes of this article, "consumer credit transaction" applies to...

Part 2 - Maximum Finance Charges and Other Fees and Charges

§ 5-2-201. Finance Charge for Consumer Credit Transactions - Source: L. 2000: Entire article R&RE, p. 1196, § 1,...

§ 5-2-202. Additional Charges - Source: L. 2000: Entire article R&RE, p. 1197, § 1,...

§ 5-2-203. Delinquency Charges - Source: L. 2000: Entire article R&RE, p. 1198, § 1,...

§ 5-2-204. Deferral Charges - Source: L. 2000: Entire article R&RE, p. 1200, § 1,...

§ 5-2-205. Finance Charge on Refinancing - Source: L. 2000: Entire article R&RE, p. 1200, § 1,...

§ 5-2-206. Finance Charge on Consolidation - If a consumer owes an unpaid balance to a creditor...

§ 5-2-207. Prepaid Finance Charge - Source: L. 2000: Entire article R&RE, p. 1201, § 1,...

§ 5-2-208. Conversion to Revolving Account - The parties may agree to add to a revolving account...

§ 5-2-209. Advances to Perform Covenants of Consumer - Source: L. 2000: Entire article R&RE, p. 1202, § 1,...

§ 5-2-210. Right to Prepay - Subject to the provisions on rebate upon prepayment contained in...

§ 5-2-211. Rebate Upon Prepayment - Definitions - Source: L. 2000: Entire article R&RE, p. 1203, § 1,...

§ 5-2-212. Surcharges on Credit Transactions - Enforcement - Definitions - (1) [ Editor's note: This version of subsection (1) is...

§ 5-2-213. Lender and Seller Credit Cards - Source: L. 2000: Entire article R&RE, p. 1206, § 1,...

§ 5-2-214. Alternative Charges for Loans Not Exceeding One Thousand Dollars - Amount financed Per month charge $100.00 - $ 300 $12.50...

Part 3 - Supervised Loans and Supervised Lenders

§ 5-2-301. Authority to Make Supervised Loans - Source: L. 2000: Entire article R&RE, p. 1206, § 1,...

§ 5-2-302. License to Make Supervised Loans - Source: L. 2000: Entire article R&RE, p. 1207, § 1,...

§ 5-2-303. Denial and Discipline of License - Source: L. 2000: Entire article R&RE, p. 1209, § 1,...

§ 5-2-304. Records - Annual Reports - Proof of Financial Responsibility - Source: L. 2000: Entire article R&RE, p. 1211, § 1,...

§ 5-2-305. Examinations and Investigations - Source: L. 2000: Entire article R&RE, p. 1211, § 1,...

§ 5-2-306. Administrative Procedures - Applicability - Except as otherwise provided, the provisions of sections 24-4-102 to...

§ 5-2-307. Judicial Review - Any person aggrieved by any final action or order of...

§ 5-2-308. Regular Schedule of Payments - Maximum Loan Term - Source: L. 2000: Entire article R&RE, p. 1213, § 1,...

§ 5-2-309. Conduct of Business Other Than Making Loans - A supervised lender may not carry on any other business...

§ 5-2-310. Application of Other Provisions - Except as otherwise provided, all provisions of this code applying...

Part 5 - Other Credit Transactions

§ 5-2-501. Transactions Subject to Code by Agreement of Parties - The parties to a transaction other than a consumer credit...

§ 5-2-502. Finance Charge for Other Transactions - With respect to a transaction that is specifically exempt from...

Article 3 - Regulation of Agreements and Practices

Part 1 - Disclosures, Notices, Records, and Advertising

§ 5-3-101. Applicability - Information Required - Source: L. 2000: Entire article R&RE, p. 1214, § 1,...

§ 5-3-102. Notice of Assignment - The consumer is authorized to pay the original creditor until...

§ 5-3-103. Change in Terms of Revolving Credit Accounts - Source: L. 2000: Entire article R&RE, p. 1214, § 1,...

§ 5-3-104. Receipts - Statements of Account - Evidence of Payment - Source: L. 2000: Entire R&RE, p. 1216, § 1, effective...

§ 5-3-105. Notice to Cosigners and Similar Parties - Source: L. 2000: Entire article R&RE, p. 1216, § 1,...

§ 5-3-106. Disclosures for Real Estate Secured Consumer Credit Transactions - "The dollar amount of the finance charge disclosed to you...

§ 5-3-107. Disclosures for Consumer Credit Sale Secured by a Motor Vehicle - If the property that secures a consumer credit sale includes...

§ 5-3-108. Written Agreement Required - No consumer credit transaction shall be valid or enforceable in...

§ 5-3-109. Records - Every creditor shall maintain records in conformity with this code,...

§ 5-3-110. Advertising - Source: L. 2000: Entire article R&RE, p. 1217, § 1,...

§ 5-3-111. Use of Credit Scores - Any provision in a contract that prohibits the disclosure of...

Part 2 - Limitations on Agreements and Practices

§ 5-3-201. Security in Sales or Leases - Source: L. 2000: Entire article R&RE, p. 1218, § 1,...

§ 5-3-202. Cross-Collateral - Source: L. 2000: Entire article R&RE, p. 1218, § 1,...

§ 5-3-203. Debt Secured by Cross-Collateral - Source: L. 2000: Entire article R&RE, p. 1219, § 1,...

§ 5-3-204. Restrictions on Interest in Land as Security - Source: L. 2000: Entire article R&RE, p. 1219, § 1,...

§ 5-3-205. Use of Multiple Agreements - A creditor may not use multiple agreements with respect to...

§ 5-3-206. No Assignment of Earnings - Source: L. 2000: Entire article R&RE, p. 1220, § 1,...

§ 5-3-207. Authorization to Confess Judgment Prohibited - A consumer may not authorize any person to confess judgment...

§ 5-3-208. Balloon Payments - With respect to a consumer credit transaction other than one...

§ 5-3-209. Referral Sales - With respect to a consumer credit sale or consumer lease,...

§ 5-3-210. Discrimination Prohibited - Exemption - A consumer credit transaction regulated by this code shall not...

Part 3 - Limitations on Consumers' Liabilities

§ 5-3-301. Restriction on Liability in Consumer Lease - The obligation of a lessee upon expiration of a consumer...

§ 5-3-302. Limitation on Default Charges - Except for reasonable expenses incurred in realizing on a security...

§ 5-3-303. Assignee Subject to Claims and Defenses - Source: L. 2000: Entire article R&RE, p. 1221, § 1,...

§ 5-3-304. Use of Account - Constructive Assent to Terms - The use of a revolving credit account by a consumer,...

§ 5-3-305. Advance Payment to Reserve Lodging and Motor Vehicle Rental Services - Notice to Consumer Required - If a deposit, reservation fee, or other advance payment is...

Part 4 - Home Solicitation Sales

§ 5-3-401. Definitions - "Home Solicitation Sale" - "Home solicitation sale" means a consumer credit sale of goods...

§ 5-3-402. Buyer's Right to Cancel - Source: L. 2000: Entire article R&RE, p. 1222, § 1,...

§ 5-3-403. Form of Agreement or Offer - Statement of Buyer's Rights - Source: L. 2000: Entire article R&RE, p. 1223, § 1,...

§ 5-3-404. Restoration of Down Payment - Source: L. 2000: Entire article R&RE, p. 1223, § 1,...

§ 5-3-405. Duty of Buyer - No Compensation for Services Prior to Cancellation - Source: L. 2000: Entire article R&RE, p. 1224, § 1,...

Part 5 - Consumer Insurance Premium Financing

§ 5-3-501. Scope - The provisions of this part 5 apply to consumer insurance...

§ 5-3-502. Form of Insurance Premium Loan Agreement - An agreement pursuant to which a consumer insurance premium loan...

§ 5-3-503. Notice of Cancellation - If a default exists on a consumer insurance premium loan...

Article 3.1 - Deferred Deposit Loan Act

§ 5-3.1-101. Short Title - This article shall be known and may be cited as...

§ 5-3.1-101.5. Legislative Declaration - The people of this state find and declare that payday...

§ 5-3.1-102. Definitions - As used in this article, unless the context otherwise requires:...

§ 5-3.1-103. Written Agreement Requirements - Each deferred deposit loan transaction and renewal shall be documented...

§ 5-3.1-104. Notice to Consumers - A lender shall provide the following notice in a prominent...

§ 5-3.1-105. Authorized Charges - A lender may charge a finance charge for each deferred...

§ 5-3.1-106. Maximum Loan Amount - Right to Rescind - Source: L. 2000: Entire article added, p. 441, § 1,...

§ 5-3.1-107. Multiple Outstanding Transactions Notice - A lender shall provide the following notice in a prominent...

§ 5-3.1-108. Renewal - New Loan - Consecutive Loans - Payment Plan - Definitions - Source: L. 2000: Entire article added, p. 441, § 1,...

§ 5-3.1-109. Form of Loan Proceeds - A lender may pay the proceeds from a deferred deposit...

§ 5-3.1-110. Endorsement of Instrument - A lender shall not negotiate or present an instrument for...

§ 5-3.1-111. Redemption of Instrument - Prior to the lender negotiating or presenting the instrument, the...

§ 5-3.1-112. Authorized Dishonored Instrument Charge - If an instrument held by a lender as a result...

§ 5-3.1-113. Posting of Charges - Any lender offering a deferred deposit loan shall post at...

§ 5-3.1-114. Notice on Assignment or Sale of Instruments - Prior to sale or assignment of instruments held by the...

§ 5-3.1-115. Records and Annual Reports - A lender shall maintain records and file an annual report...

§ 5-3.1-116. License Requirement - In accordance with section 5-2-301, no person shall engage in...

§ 5-3.1-117. Examination and Investigation - A lender may be examined and investigated in accordance with...

§ 5-3.1-118. Denial of License - Discipline - Source: L. 2000: Entire article added, p. 443, § 1,...

§ 5-3.1-119. Applicability of Other Provisions of This Title - The provisions of the code, articles 1 to 9 of...

§ 5-3.1-120. Criminal Culpability - A consumer shall not be subject to any criminal penalty...

§ 5-3.1-121. Unfair or Deceptive Practices - Source: L. 2000: Entire article added, p. 443, § 1,...

§ 5-3.1-122. Unconscionability - Source: L. 2004: Entire section added, p. 320, § 8,...

§ 5-3.1-123. Use of Multiple Agreements for Deferred Deposit Loans - If a consumer obtains a deferred deposit loan voluntarily and...

Article 3.5 - Consumer Equity Protection

Part 1 - Obligor Protection

§ 5-3.5-101. Definitions - As used in this article, unless the context otherwise requires:...

§ 5-3.5-102. Protection of Obligors - (II) No prepayment fees for certain refinancing. No prepayment fee...

§ 5-3.5-103. Restricted Acts and Practices - (II) It shall be a rebuttable presumption that a lender...

§ 5-3.5-104. Reporting to Credit Bureaus - A lender or its servicer shall report at least quarterly...

Part 2 - Enforcement and Liability

§ 5-3.5-201. Enforcement - Liability - The attorney general and any obligor of a covered loan...

Part 3 - Miscellaneous Provisions

§ 5-3.5-301. Effective Date - Applicability - Section 5-3.5-303 is intended to restate and confirm the existing...

§ 5-3.5-302. Severability - The provisions of this article are severable and if any...

§ 5-3.5-303. Relationship to Other Laws - Source: L. 2002: Entire article added, p. 1601, § 1,...

Article 3.7 - Consumer Credit Solicitation Protection

§ 5-3.7-101. Consumer Credit Solicitation Protection - Definitions - Source: L. 2004: Entire article added, p. 657, § 1,...

Article 4 - Insurance

Part 1 - Insurance in General

§ 5-4-101. Short Title - This article shall be known and may be cited as...

§ 5-4-102. Scope - Relation to Credit Insurance Act - Applicability to Parties - Source: L. 2000: Entire article R&RE, p. 1225, § 1,...

§ 5-4-103. Definitions - "Consumer Credit Insurance" - "Credit Insurance Act" - As used in this code, unless the context otherwise requires:...

§ 5-4-104. Creditor's Provision of and Charge for Insurance - Excess Amount of Charge - Source: L. 2000: Entire article R&RE, p. 1225, § 1,...

§ 5-4-105. Conditions Applying to Insurance to Be Provided by Creditor - Source: L. 2000: Entire article R&RE, p. 1226, § 1,...

§ 5-4-106. Unconscionability - Source: L. 2000: Entire article R&RE, p. 1226, § 1,...

§ 5-4-107. Maximum Charge by Creditor for Insurance - Source: L. 2000: Entire article R&RE, p. 1227, § 1,...

§ 5-4-108. Refund or Credit Required - Amount - Source: L. 2000: Entire article R&RE, p. 1227, § 1,...

§ 5-4-109. Existing Insurance - Choice of Insurer - If a creditor requires insurance, upon notice to the creditor...

§ 5-4-110. Charge for Insurance in Connection With a Deferral, Refinancing, or Consolidation - Duplicate Charges - Source: L. 2000: Entire article R&RE, p. 1229, § 1,...

§ 5-4-111. Cooperation Between Administrator and Commissioner of Insurance - The administrator and the commissioner of insurance are authorized and...

§ 5-4-112. Administrative Action of Commissioner of Insurance - Source: L. 2000: Entire article R&RE, p. 1230, § 1,...

Part 2 - Consumer Credit Insurance

§ 5-4-201. Term of Insurance - Source: L. 2000: Entire article R&RE, p. 1230, § 1,...

§ 5-4-202. Amount of Insurance - Source: L. 2000: Entire article R&RE, p. 1231, § 1,...

§ 5-4-203. Filing and Approval of Rates and Forms - Source: L. 2000: Entire article R&RE, p. 1231, § 1,...

Part 3 - Property and Liability Insurance

§ 5-4-301. Property Insurance - Source: L. 2000: Entire article R&RE, p. 1232, § 1,...

§ 5-4-302. Insurance on Creditor's Interest Only - If a creditor contracts for or receives a separate charge...

§ 5-4-303. Liability Insurance - A creditor may not contract for or receive a separate...

§ 5-4-304. Cancellation by Creditor - This section does not apply to an insurance premium loan....

Article 5 - Remedies and Penalties

Part 1 - Limitations on Creditors' Remedies

§ 5-5-101. Short Title - This article shall be known and may be cited as...

§ 5-5-102. Scope - This part 1 applies to actions or other proceedings to...

§ 5-5-103. Restrictions on Deficiency Judgments in Consumer Credit Sales - Source: L. 2000: Entire article R&RE, p. 1233, § 1,...

§ 5-5-104. Insecurity and Impaired Collateral - Source: L. 2000: Entire article R&RE, p. 1234, § 1,...

§ 5-5-105. No Garnishment Before Judgment - Prior to entry of judgment in an action against the...

§ 5-5-106. Limitation on Garnishment - Definitions - Source: L. 2000: Entire article R&RE, p. 1234, § 1,...

§ 5-5-107. No Discharge From Employment for Garnishment - No employer shall discharge an employee for the reason that...

§ 5-5-108. Extortionate Extensions of Credit - Source: L. 2000: Entire article R&RE, p. 1235, § 1,...

§ 5-5-109. Unconscionability - Inducement by Unconscionable Conduct - Unconscionable Debt Collection - Source: L. 2000: Entire article R&RE, p. 1236, § 1,...

§ 5-5-110. Notice of Right to Cure - (Name, address, and telephone number of creditor) (Account number, if...

§ 5-5-111. Cure of Default - Source: L. 2000: Entire article R&RE, p. 1239, § 1,...

§ 5-5-112. Attorney Fees - Source: L. 2000: Entire article R&RE, p. 1240, § 1,...

Part 2 - Consumers' Remedies

§ 5-5-201. Effect of Violations on Rights of Parties - Source: L. 2000: Entire article R&RE, p. 1240, § 1,...

§ 5-5-202. Civil Liability for Violation of Disclosure Provisions - Source: L. 2000: Entire article R&RE, p. 1241, § 1,...

§ 5-5-203. Consumer's Right to Rescind Certain Transactions - In the case of a consumer credit transaction with respect...

§ 5-5-204. Interests in Land - For purposes of the provisions on civil liability for violation...

§ 5-5-205. Refunds and Penalties as Set-Off to Obligation - Refunds or penalties to which the consumer is entitled pursuant...

§ 5-5-206. Civil Liability for Discrimination - If a person has failed to comply with section 5-3-210,...

Part 3 - Criminal Penalties

§ 5-5-301. Willful Violations - (1) [ Editor's note: This version of subsection (1) is...

§ 5-5-302. Disclosure Violations - (1) [ Editor's note: This version of the introductory portion...

Article 6 - Administration

Part 1 - Powers and Functions of Administrator

§ 5-6-101. Short Title - This article shall be known and may be cited as...

§ 5-6-102. Applicability - Source: L. 2000: Entire article R&RE, p. 1244, § 1,...

§ 5-6-103. Definitions - "Administrator" - "Administrator" means the assistant attorney general to be designated by...

§ 5-6-104. Powers of Administrator - Harmony With Federal Regulations - Reliance on Rules - Source: L. 2000: Entire article R&RE, p. 1245, § 1,...

§ 5-6-105. Administrative Powers With Respect to Supervised Financial Organizations - Source: L. 2000: Entire article R&RE, p. 1246, § 1,...

§ 5-6-106. Investigatory Powers - Source: L. 2000: Entire article R&RE, p. 1247, § 1,...

§ 5-6-107. Application of Administrative Procedures - Provisions - Except as otherwise provided, the provisions of sections 24-4-102 to...

§ 5-6-108. Judicial Review - Any person aggrieved by any final action or order of...

§ 5-6-109. Administrative Enforcement Orders - Source: L. 2000: Entire article R&RE, p. 1248, § 1,...

§ 5-6-110. Assurance of Discontinuance - If it is claimed that a person has engaged in...

§ 5-6-111. Injunctions Against Violations of Code - The administrator may bring a civil action to restrain a...

§ 5-6-112. Injunctions Against Unconscionable Agreements and Fraudulent or Unconscionable Conduct - Source: L. 2000: Entire article R&RE, p. 1248, § 1,...

§ 5-6-113. Temporary Relief - With respect to an action brought to enjoin violations of...

§ 5-6-114. Civil Actions by Administrator - Source: L. 2000: Entire article R&RE, p. 1250, § 1,...

§ 5-6-115. Jury Trial - In an action brought by the administrator under this code,...

§ 5-6-116. Consumers' Remedies Not Affected - The grant of powers to the administrator in this article...

Part 2 - Notification and Fees

§ 5-6-201. Applicability - Source: L. 2000: Entire article R&RE, p. 1252, § 1,...

§ 5-6-202. Notification - Source: L. 2000: Entire article R&RE, p. 1252, § 1,...

§ 5-6-203. Fees - Source: L. 2000: Entire article R&RE, p. 1253, § 1,...

§ 5-6-204. Cash Fund Created - Source: L. 2000: Entire article R&RE, p. 1254, § 1,...

Part 3 - Council of Advisors on Consumer Credit

§ 5-6-301. Council of Advisors on Consumer Credit - Source: L. 2000: Entire article R&RE, p. 1254, § 1,...

§ 5-6-302. Function of Council - Conflict of Interest - Source: L. 2000: Entire article R&RE, p. 1254, § 1,...

Article 9 - Effective Date

§ 5-9-101. Time of Taking Effect Prior to June 30, 2000 - Provisions for Transition - Source: L. 71: R&RE, p. 851, § 1. C.R.S. 1963:...

§ 5-9-101.5. Time of Taking Effect - Provisions for Transition - Source: L. 2000: Entire section added, p. 1256, § 4,...

§ 5-9-102. Continuation of Licensing Prior to July 1, 2000 - Notwithstanding the repeal and reenactment of articles 2 and 3...

§ 5-9-102.5. Continuation of Licensing After July 1, 2000 - Notwithstanding the repeal and reenactment of part 5 of article...

Article 10 - Rental Purchase Agreements

Part 1 - General Provisions

§ 5-10-101. Short Title - This article shall be known and may be cited as...

§ 5-10-102. Legislative Declaration - Source: L. 90: Entire article added, p. 366, § 1,...

§ 5-10-103. Waiver - Agreement to Forego Rights - Prohibited - Except as otherwise provided in this article, a lessor or...

§ 5-10-104. Effective Date - Notwithstanding the provisions of section 5-9-101, this article shall take...

§ 5-10-105. Supplementary General Principles of Law Applicable - Unless displaced by the particular provisions of this article, the...

Part 2 - Scope of Article

§ 5-10-201. Application - Source: L. 90: Entire article added, p. 367, § 1,...

§ 5-10-202. Exclusions - Source: L. 90: Entire article added, p. 367, § 1,...

Part 3 - Definitions

§ 5-10-301. Definitions - Source: L. 90: Entire article added, p. 368, § 1,...

Part 4 - Disclosures and Form of Writing

§ 5-10-401. Disclosures - NOTICE TO LESSEE -- READ BEFORE SIGNING (1) DO NOT...

§ 5-10-402. Form Requirements - Source: L. 90: Entire article added, p. 370, § 1,...

§ 5-10-403. Receipts - The lessor shall furnish the lessee a written receipt for...

Part 5 - Limitation on Agreements and Practices

§ 5-10-501. Acquiring Ownership - At any time after the first lease payment is made,...

§ 5-10-502. Prohibited Provisions - Source: L. 90: Entire article added, p. 370, § 1,...

§ 5-10-503. Balloon Payments - A lessee shall not be required to make a payment...

§ 5-10-504. Prohibited Charges - Source: L. 90: Entire article added, p. 371, § 1,...

Part 6 - Limitations on Charges

§ 5-10-601. Additional Charges - Source: L. 90: Entire article added, p. 371, § 1,...

§ 5-10-602. Reinstatement Fees - A reinstatement fee as provided for in section 5-10-701 shall...

§ 5-10-603. Liability Damage Waivers - Fees - NOTICE: THIS CONTRACT OFFERS, FOR AN ADDITIONAL CHARGE, A LIABILITY...

§ 5-10-604. Taxes - In addition to those charges allowable by this part 6,...

Part 7 - Remedies

§ 5-10-701. Lessee's Remedies - Reinstatement - Source: L. 90: Entire article added, p. 373, § 1,...

§ 5-10-702. Limitations on Lessor's Remedies - With respect to a debt arising from a rental purchase...

§ 5-10-703. Assignee Liability - Source: L. 90: Entire article added, p. 374, § 1,...

§ 5-10-704. Notice of Assignment - The lessee is authorized to pay the original lessor until...

Part 8 - Enforcement

§ 5-10-801. Administrator Responsibility - Source: L. 90: Entire article added, p. 374, § 1,...

§ 5-10-802. Lessor's Records and Investigations - Source: L. 90: Entire article added, p. 375, § 1,...

§ 5-10-803. Assurance of Discontinuance - If it is claimed that a person has engaged in...

§ 5-10-804. Notification by Lessors - Contents - Source: L. 90: Entire article added, p. 376, § 1,...

§ 5-10-805. Fees - Source: L. 90: Entire article added, p. 376, § 1,...

Part 9 - Violations and Penalties

§ 5-10-901. Unlawful Acts - Fines - Deceptive Trade Practice - Source: L. 90: Entire article added, p. 376, § 1,...

§ 5-10-902. Remedies of Lessee - Source: L. 90: Entire article added, p. 377, § 1,...

§ 5-10-903. Unconscionability - Source: L. 90: Entire article added, p. 377, § 1,...

§ 5-10-904. Effect of Correction - Notwithstanding sections 5-10-801 and 5-10-902, any failure to comply with...

§ 5-10-905. Statute of Limitations - No action shall be brought by a lessee under this...

Part 10 - Advertising

§ 5-10-1001. Advertising - Source: L. 90: Entire article added, p. 378, § 1,...

Article 12 - Interest - General Provisions

§ 5-12-101. Legal Rate of Interest - If there is no agreement or provision of law for...

§ 5-12-102. Statutory Interest - Source: L. 71: R&RE, p. 852, § 1. C.R.S. 1963:...

§ 5-12-103. Greater Rate May Be Stipulated - Source: L. 71: R&RE, p. 852, § 1. C.R.S. 1963:...

§ 5-12-104. Warrants to Bear Six Percent - County orders and warrants, town and city and school orders...

§ 5-12-105. Interest Upon Foreclosure - In all cases where real estate shall be sold under...

§ 5-12-106. Rate of Interest on Judgments Which Are Appealed - Source: L. 82: Entire section added, p. 226, § 1,...

§ 5-12-107. Commercial Credit Plans - Definitions - Source: L. 96: Entire section added, p. 407, § 13,...

Article 13 - Federal Preemption of Usury Laws - State Override

§ 5-13-101. Mortgages - In accordance with section 501 (b)(2) of Public Law 96-221,...

§ 5-13-102. Business and Agricultural Loans - In accordance with section 512 of Public Law 96-221, it...

§ 5-13-103. Small Business Loans - In accordance with section 524 of Public Law 96-221, it...

Article 16 - Colorado Fair Debt Collection Practices Act

§ 5-16-101. Short Title - The short title of this article 16 is the "Colorado...

§ 5-16-102. Scope of Article - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-103. Definitions - As used in this article 16, unless the context otherwise...

§ 5-16-104. Location Information - Acquisition - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-105. Communication in Connection With Debt Collection - Definition - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-106. Harassment or Abuse - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-107. False or Misleading Representations - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-108. Unfair Practices - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-109. Validation of Debts - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-110. Multiple Debts - If any consumer owes multiple debts and makes any single...

§ 5-16-111. Legal Actions by Collection Agencies - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-111.5. Fees, Costs, and Costs of Collection - Limitation - Source: L. 2018: Entire section added, (HB 18-1057), ch. 314,...

§ 5-16-112. Deceptive Forms - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-113. Civil Liability - Source: L. 2017: (4) and (5) amended, (SB 17-216), ch....

§ 5-16-114. Administrative Enforcement - Rules - Compliance with this article 16 shall be enforced by the...

§ 5-16-115. License - Registration - Unlawful Acts - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-117. Powers and Duties of the Administrator - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-118. Collection Agency License - Required - Any person acting as a collection agency must possess a...

§ 5-16-119. Collection Agency License - Requirements - Application - Fee - Expiration - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-120. License - Issuance - Grounds for Denial - Appeal - Contents - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-121. Collection Agency License - Renewals - Each licensee shall make an application to renew its license...

§ 5-16-122. Collection Agency License - Notification of Change and Reapplication Requirements - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-123. Duties of Collection Agencies - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-124. Bond - Definition - Source: L. 2017: (12) added, (SB 17-216), ch. 285, p....

§ 5-16-125. Unlawful Acts - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-125.5. Statute of Limitations - Actions by Administrator - An action or proceeding brought by the administrator pursuant to...

§ 5-16-126. Criminal Penalties - Any person who violates any provision of section 5-16-125 (1),...

§ 5-16-127. Complaint - Investigations - Powers of Administrator - Sanctions - Source: L. 2017: (12) amended, (SB 17-216), ch. 285, p....

§ 5-16-128. Debt Collectors for the Department of Personnel - Complaint - Disciplinary Procedures - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-129. Records - The administrator shall keep a suitable record of all license...

§ 5-16-130. Jurisdiction of Courts - County courts shall have concurrent jurisdiction with the district courts...

§ 5-16-131. Duty of District Attorney - It is the duty of the district attorney to prosecute...

§ 5-16-132. Remedies - The remedies provided in this article 16 are in addition...

§ 5-16-133. Injunction - Receiver - The district court in and for the city and county...

§ 5-16-134. Disposition of Fees and Fines - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-16-134.5. Debts Sold or Resold After January 1, 2018 - This article 16 applies to debt buyers with respect to...

§ 5-16-135. Repeal of Article - This article 16 is repealed, effective September 1, 2028. Before...

Article 17 - Colorado Child Support Collection - Consumer Protection Act

§ 5-17-101. Legislative Declaration - The general assembly finds and determines that, to ensure that...

§ 5-17-102. Definitions - As used in this article 17, unless the context otherwise...

§ 5-17-103. Application of the "Colorado Fair Debt Collection Practices Act" - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-17-104. Prohibited Practices - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-17-105. Fees - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-17-106. Requirements Relating to Private Child Support Enforcement Service Contracts - You may cancel this contract at any time within thirty...

§ 5-17-107. Accounting for Collections - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-17-108. Verification of Account Information - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-17-109. Cancellation or Termination of Private Child Support Enforcement Service Contract - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-17-110. Civil Liability - The provisions of section 5-16-113, with the exception of the...

§ 5-17-111. Administrative Enforcement - This article 17 shall be enforced by the administrator, as...

§ 5-17-112. Statute of Limitations - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-17-113. Notice - Rules - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

Article 18 - Colorado Consumer Credit Reporting Act

§ 5-18-101. Short Title - The short title of this article 18 is the "Colorado...

§ 5-18-102. Legislative Declaration - The general assembly finds and declares that the use of...

§ 5-18-103. Definitions - As used in this article 18, unless the context otherwise...

§ 5-18-104. Permissible Purposes - Prohibition - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-18-105. Consumer Reports - Accuracy of Information - Whenever a consumer reporting agency prepares a consumer report, the...

§ 5-18-106. Disclosures to Consumers - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-18-107. Credit Scoring Related to the Extension of Credit Secured by a Dwelling - Definition - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-18-108. Charges for Certain Disclosures - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-18-109. Reporting of Information Prohibited - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-18-110. Procedure for Disputed Information - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-18-111. Consumer Report Information Block - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-18-112. Security Freeze - Timing - Covered Entities - Cost - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-18-112.5. Security Freeze for Protected Consumers - Source: L. 2018: Entire section added, (HB 18-1233), ch. 75,...

§ 5-18-113. Notice of Rights - State Consumers Have the Right to Obtain a Security Freeze...

§ 5-18-113.5. Notice of Rights Regarding Protected Consumers - Whenever a consumer reporting agency is required to provide a...

§ 5-18-114. Security Freeze - Prohibition of Changing Official Information in Credit Report or Record - If a security freeze is in place, a consumer reporting...

§ 5-18-115. Security Freeze - Exemptions - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-18-116. Consumer's Right to File Action in Court or Arbitrate Disputes - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-18-117. Violations - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-18-118. Provisions of Article Cumulative - The provisions of this article 18 are cumulative, and any...

Article 19 - Debt-Management Services

Part 1 - Colorado Credit Services Organization Act

§ 5-19-101. Short Title - The short title of this part 1 is the "Colorado...

§ 5-19-102. Legislative Declaration - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-103. Definitions - As used in this part 1, unless the context otherwise...

§ 5-19-104. Prohibited Acts - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-105. Written Disclosure Required - Before the execution of a contract or agreement between the...

§ 5-19-106. Content of Written Disclosure - RIGHTS UNDER COLORADO AND FEDERAL LAW You have a right...

§ 5-19-107. Written Contracts Required - Notice of Cancellation You may cancel this contract, without any...

§ 5-19-108. Waivers and Exemptions - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-109. Criminal Penalties and Injunctive Relief - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-110. Powers of Administrator of the Uniform Consumer Credit Code and District Attorney - Subpoenas - Hearings - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-111. Damages - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-112. Aiding or Assisting Violation - Any individual who, as a director, officer, partner, member, salesperson,...

§ 5-19-113. Remedies Cumulative - The remedies provided for in this part 1 are cumulative...

§ 5-19-114. Relation Between Parts of Article - In the event of a conflict between part 2 of...

Part 2 - Uniform Debt-Management Services Act

§ 5-19-201. Short Title - The short title of this part 2 is the "Uniform...

§ 5-19-202. Definitions - As used in this part 2, unless the context otherwise...

§ 5-19-203. Exempt Agreements and Persons - (1) A judicial officer, a person acting under an order...

§ 5-19-204. Registration Required - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-205. Application for Registration - Form, Fee, and Accompanying Documents - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-206. Application for Registration - Required Information - An application for registration shall be signed under penalty of...

§ 5-19-206.5. Name-Based Criminal History Record Check - When the results of a fingerprint-based criminal history record check...

§ 5-19-207. Application for Registration - Obligation to Update Information - An applicant or registered provider shall notify the administrator within...

§ 5-19-208. Application for Registration - Public Information - Except for the information required by section 5-19-206 (7), (9),...

§ 5-19-209. Certificate of Registration - Issuance or Denial - (1) The application is not accompanied by the fee established...

§ 5-19-210. Certificate of Registration - Timing - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-211. Renewal of Registration - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-212. Registration in Another State - If a provider holds a license or certificate of registration...

§ 5-19-213. Bond Required - (1) Be in the amount of fifty thousand dollars or...

§ 5-19-214. Bond Required - Substitute - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-215. Good Faith Requirement - A provider shall act in good faith in all matters...

§ 5-19-216. Customer Service - A provider required to be registered under this part 2...

§ 5-19-217. Prerequisites for Providing Debt-Management Services - (1) Provides the individual with reasonable education about the management...

§ 5-19-218. Communication by Electronic or Other Means - Definitions - (1) Contain no other information; and (2) The individual must...

§ 5-19-219. Form and Contents of Agreement - (E) If a plan provides for regular periodic payments to...

§ 5-19-220. Cancellation of Agreement - Waiver - Notice of Right to Cancel You may cancel this agreement,...

§ 5-19-221. Required Language - Unless the administrator, by rule, provides otherwise, the disclosures and...

§ 5-19-222. Trust Account - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-223. Fees and Other Charges - (A) A provider may not request or receive payment of...

§ 5-19-224. Voluntary Contributions - A provider may not solicit a voluntary contribution from an...

§ 5-19-225. Voidable Agreements - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-226. Termination of Agreements - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-227. Periodic Reports - Retention of Records - (A) The total amount and terms of the settlement; (B)...

§ 5-19-228. Prohibited Acts and Practices - (1) Purchase a debt or obligation of the individual; (2)...

§ 5-19-229. Notice of Litigation - No later than thirty days after a provider has been...

§ 5-19-230. Advertising - A provider that advertises debt-management services shall disclose, in an...

§ 5-19-231. Liability for the Conduct of Other Persons - If a provider delegates any of its duties or obligations...

§ 5-19-232. Powers of Administrator - Rules - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-233. Administrative and Legal Remedies - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-234. Suspension, Revocation, or Nonrenewal of Registration - Definitions - (1) A fact or condition exists that, if it had...

§ 5-19-235. Private Enforcement - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-236. Violation of Unfair or Deceptive Practices Statute - If an act or practice of a provider violates both...

§ 5-19-237. Statute of Limitations - Source: L. 2017: Entire article added with relocations, (HB 17-1238),...

§ 5-19-238. Uniformity of Application and Construction - In applying and construing this part 2, consideration shall be...

§ 5-19-239. Relation to Federal "Electronic Signatures in Global and National Commerce Act" - This part 2 modifies, limits, and supersedes the federal "Electronic...

§ 5-19-240. Transitional Provisions - Application to Existing Transactions - Transactions entered into before January 1, 2008, and the rights,...

§ 5-19-241. Severability - If any provision of this part 2 or its application...

§ 5-19-242. Repeal of Part - This part 2 is repealed, effective September 1, 2024. Prior...

Article 20 - Colorado Student Loan Equity

Part 1 - Colorado Student Loans

§ 5-20-101. Short Title - The short title of this article 20 is the "Colorado...

§ 5-20-102. Scope of Article - Residence of Debtor - Source: L. 2019: Entire article added, (SB 19-002), ch. 157,...

§ 5-20-103. Definitions - As used in this article 20, unless the context otherwise...

§ 5-20-104. Student Loan Ombudsperson - Report - Fund - Rules - Repeal - Source: L. 2019: Entire article added, (SB 19-002), ch. 157,...

§ 5-20-105. License Required - On or after January 31, 2020, a person shall not...

§ 5-20-106. Licensure of Student Loan Servicers - Source: L. 2019: Entire article added, (SB 19-002), ch. 157,...

§ 5-20-107. License and Investigation Fees - Source: L. 2019: Entire article added, (SB 19-002), ch. 157,...

§ 5-20-108. Affirmative Acts Required of Student Loan Servicers - Definitions - Source: L. 2019: Entire article added, (SB 19-002), ch. 157,...

§ 5-20-109. Prohibited Acts of Student Loan Servicers - Source: L. 2019: Entire article added, (SB 19-002), ch. 157,...

§ 5-20-110. Powers and Duties of the Administrator - Rules - Source: L. 2019: Entire article added, (SB 19-002), ch. 157,...

§ 5-20-111. Compliance With Federal Law - A student loan servicer shall comply with all applicable federal...

§ 5-20-112. Civil Action - Source: L. 2019: Entire article added, (SB 19-002), ch. 157,...

§ 5-20-113. Application of Administrative Procedures - Provisions - Except as otherwise provided, sections 24-4-102 to 24-4-106 apply to...

§ 5-20-114. Administrative Enforcement Orders - Source: L. 2019: Entire article added, (SB 19-002), ch. 157,...

§ 5-20-115. Assurance of Discontinuance - If it is claimed that a person has violated this...

§ 5-20-116. Injunctions - The administrator may bring a civil action to restrain a...

§ 5-20-117. Civil Actions by the Administrator - The administrator may bring a civil action against a student...

§ 5-20-118. Limitations - Notwithstanding article 80 of title 13, all actions brought under...

§ 5-20-119. Confidential Information - Source: L. 2019: Entire article added, (SB 19-002), ch. 157,...

Part 2 - Private Student Education Lenders

§ 5-20-201. Scope of Part - Construction With Other Laws - Legislative Declaration - The general assembly finds, determines, and declares that this part...

§ 5-20-202. Definitions - As used in this part 2, unless the context otherwise...

§ 5-20-203. Registration of Private Education Lenders - Penalties - Rules - Source: L. 2021: Entire part added, (SB 21-057), ch. 378,...

§ 5-20-204. Cosigner Disclosures - Source: L. 2021: Entire part added, (SB 21-057), ch. 378,...

§ 5-20-205. Cosigner Release - Source: L. 2021: Entire part added, (SB 21-057), ch. 378,...

§ 5-20-206. Cosigner Rights - Source: L. 2021: Entire part added, (SB 21-057), ch. 378,...

§ 5-20-207. Bankruptcy or Death of Cosigner - Source: L. 2021: Entire part added, (SB 21-057), ch. 378,...

§ 5-20-208. Total and Permanent Disability of the Private Education Loan Borrower or Cosigner - Source: L. 2021: Entire part added, (SB 21-057), ch. 378,...

§ 5-20-209. Refinancing - Additional Disclosures - Limitations on Default Pending Approval - Source: L. 2021: Entire part added, (SB 21-057), ch. 378,...

§ 5-20-210. Prohibited Conduct - Source: L. 2021: Entire part added, (SB 21-057), ch. 378,...

§ 5-20-211. Record Retention - Confidentiality - Source: L. 2021: Entire part added, (SB 21-057), ch. 378,...

§ 5-20-212. Collection on Debt - Prerequisites - Documentation - Source: L. 2021: Entire part added, (SB 21-057), ch. 378,...

§ 5-20-213. Actions - Counterclaims - Source: L. 2021: Entire part added, (SB 21-057), ch. 378,...

§ 5-20-214. Remedies - Civil Actions - Limitations - Deceptive Trade Practice - (2.5) A court shall not award monetary damages under both...

Article 21 - Colorado Nonbank Mortgage Servicers Act

§ 5-21-101. Short Title - [ Editor's note: This section is effective January 1, 2022....

§ 5-21-102. Scope of Article - [ Editor's note: This section is effective January 1, 2022....

§ 5-21-103. Definitions - [ Editor's note: This section is effective January 1, 2022....

§ 5-21-104. Notification Required - [ Editor's note: This section is effective January 1, 2022....

§ 5-21-105. Notification by Mortgage Servicers - Rules - [ Editor's note: This section is effective January 1, 2022.]...

§ 5-21-106. Fees - [ Editor's note: This section is effective January 1, 2022.]...

§ 5-21-107. Federal Laws - [ Editor's note: This section is effective January 1, 2022.]...

§ 5-21-108. Powers and Duties of the Administrator - Rules - [ Editor's note: This section is effective January 1, 2022.]...

§ 5-21-109. Application of Administrative Procedures - [ Editor's note: This section is effective January 1, 2022....

§ 5-21-110. Administrative Enforcement Orders - [ Editor's note: This section is effective January 1, 2022.]...

§ 5-21-111. Assurance of Discontinuance - [ Editor's note: This section is effective January 1, 2022....

§ 5-21-112. Injunctions - [ Editor's note: This section is effective January 1, 2022....

§ 5-21-113. Civil Actions by the Administrator - [ Editor's note: This section is effective January 1, 2022.]...

§ 5-21-114. Limitations - [ Editor's note: This section is effective January 1, 2022....

§ 5-21-115. Confidential Information - [ Editor's note: This section is effective January 1, 2022.]...

§ 5-21-116. Reporting - [ Editor's note: This section is effective January 1, 2022.]...

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Colorado Code Title 5 - Consumer Credit Code

Colorado Code
Title 5 - Consumer Credit Code