Credit and Debt

The Colorado Consumer Credit Code (UCCC) is a state law that regulates the terms and conditions of consumer credit in the State of Colorado. It sets maximum rates and charges, requires disclosure of the cost of credit so consumers may shop for the best rates, and provides remedies for consumers on default.

The UCCC does not apply to first mortgage residential acquisition and refinance loans except for its sections on disclosures of the cost of credit, certain consumer remedies, and administrative powers. Most other consumer credit transactions such as payday loans, automobile loans, second mortgages, state-issued credit cards, and signature loans are subject to the UCCC.  The Lending Program oversees licensure and notification of lenders and creditors, investigates complaints about lenders and creditors, and takes disciplinary or legal action when a lender or creditor violates the law.

For more information, please visit:

• Uniform Consumer Credit Code (UCCC)

The Colorado Fair Debt Collection Practices Act (CFDCPA) is a state law that governs the actions of debt collectors and collection agencies. It provides consumers with certain rights and restricts the practices collection agencies may use to attempt to collect debts. For example, the law prohibits collection agencies from using harassment, misleading, and unfair practices. The law prohibits unnecessary disclosure of the debt to parties not obligated to pay the debt. The law does not apply to creditors collecting their own debts.  The Debt Collection Program oversees the licensure of collection agencies, investigates complaints, and takes disciplinary or legal action when a collection agency violates the law.

For more information, please visit:

• Collection Agency Regulation (CAR)

The Colorado Uniform Debt Management Services Act (DMSA) is a state law that regulates companies that offer and provide debt management services to Colorado residents.  The Debt-Management Program oversees the registration of non-profit and for-profit credit counseling and debt settlement companies, investigates complaints about providers, and takes disciplinary or legal action when a debt management services provider violates the law.

For more information, please visit:

• Debt Management (DM)

The Student Loan Servicers Act (SLSA) is a state law that regulates companies that service student loans owed by Colorado residents.  The Student Loan Servicing Program oversees the licensure of federal and non-federal student loan servicers, investigates complaints about student loan servicers, and takes disciplinary or legal action when a servicer violates the law.

For more information, please visit:

• Student Loan Servicers (SLS)

Be clear and concise. Briefly describe your issue and what steps you have taken to resolve it. Be sure to include relevant dates and other details about your report, including the amount of money lost (if any) and communications you have had with the company and/or individual(s).

If available, please be prepared to provide information on the business or individual you are reporting on, such as entity name, address, phone number, website, email address, and any other identifying information.

Please be prepared to provide your contact information, such as your name, address, phone number, and your email address.