The Colorado Uniform Consumer Credit Code (“UCCC”) is a state law that regulates the terms and conditions of consumer credit in the state of Colorado. This includes nonbank lenders, such as supervised lenders, retail sellers, finance companies, installment lenders, second mortgage companies, and rent-to-own companies.
UCCC Renewal Information
UCCC renewals are now available. Renewals must be completed via the Licensing portal by the Licensing/Renewals contact or another designated contact. Please use the Renewal Checklist documents in conjunction with completing the renewal. Renewal fee information is available within the Checklist documents and in the portal under “Payment Information.” Forms and templates are available in the Portal under “Resources”.
Once the renewal is submitted, it will be sent for electronic signature to the person or persons listed to sign. Please ensure the renewal information provided is accurate before electronically signing. The document for electronic signature serves as your copy of the renewal and can be downloaded. The renewal is not considered submitted and will not be processed until electronically signed.
Supervised Lender Renewals
Renewals are now available for supervised lenders with a current license. Please review the Renewal Information and Checklist before beginning the renewal. Renewals must be submitted by July 1 and there is no grace period.
Supervised Lender Annual Report
In addition to the renewal, those companies that maintained a Supervised Lender license in 2023 are required to submit their 2023 Annual Report by June 1. The Annual Report forms are available for download within the Licensing portal and must completed and submitted via the portal. Please use the Instructions in completing the Annual Reports.
Notification Filer Renewals
Renewals are now available for retail sales, sales finance, and rent-to-own companies with a current notification. Please review the Renewal Information and Checklist before beginning the renewal. Renewals must be submitted by July 1 and there is no grace period.
- Retail Sales Renewal Information & Checklist (PDF)
- Sales Finance Renewal Information & Checklist (PDF)
- Rent-to-Own Renewal Information & Checklist (PDF)
Supervised Lender License Information
Pursuant to section 5-2-302(4) and (5), C.R.S, if a supervised lender has more than one place of business, they must obtain a master license. A separate application, license fee and proof of financial responsibility is required for each branch location.
License Applications
- Master License Application (PDF)
- Branch License Application (PDF)
Financial Responsibility Forms
You may refer to this Guidance regarding surety bonds containing an electronic seal and electronic signatures. Please note this is not intended as an official interpretation or opinion letter.
- Surety Bond (PDF)
- Cash Surety (PDF)
Other Forms for Applicants and Licensees
- Personal Affidavit (PDF)
- License Verification (PDF)
For more information about fees, annual renewal dates, and other important legal information, use the arrows below to expand each section.
Retail Sales, Sales Finance, and Rent-to-Own Notification Information
Pursuant to the UCCC, notification filers are required to provide and pay the notification fee(s) within 30 days after commencing business in Colorado, and thereafter, by July 1 each year.
The application for Retail Sales, Sales Finance, and Rent-to-Own notification filers is available online via the Licensing portal. Please use the Application Information and Checklist document in conjunction with completing the online application.
- Retail Sales Application Checklist (PDF)
- Sales Finance Application Checklist (PDF)
- Rent-to-Own Application Checklist (PDF)
Visit the Licensing portal to login or register an account. If you already have an account, you may reset your password on the login webpage by clicking Forgot Password? Click Here. If you are a new user, you may register an account by clicking New User? Register Here! Please note, if you are a new user requesting access to an existing company, it may take several days to approve your request.
Once logged in, go to “Apply” and select the application type for which you wish to apply. Once submitted, the application will be emailed to the signatory for an electronic signature. The application is not considered submitted until electronically signed and sent back. A notification number will not be issued until the application is deemed complete.
For more information about fees and annual renewal dates, use the arrows below to expand each section.
The above license and notification filings (once issued) are valid through each July 1 regardless of the date issued and must be renewed annually. See the above information for important dates for supervised lenders and notification filers.
Although a license or notification expiration date may reflect the prior 7/1, the existing license shall not expire (so long as a renewal is submitted) until the renewal application has been finally acted upon by the agency, pursuant to section 24-4-104(7), C.R.S.