UCCC Licensing & Notification

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.

2023 Renewals now Available for Existing licensees and notification filers!

Renewals are to be completed online, via the Licensing Community portal, by the Licensing/Renewals Compliance contact or another designated user. If you already have a portal account, your username is your email address. You may use the Forgot you Password? link on the login page to reset your password. If you are a new user requesting access to an existing company, you may use the New User? Register Here! link.

Upon logging in, go to Renew and select the license number to be renewed. Use the Renewal Instructions and Checklist document in completing the renewal.  Do not submit the renewal until all information has been provided. You may save the renewal in progress and come back later to submit. Renewals are due by January 31. If you wish to pay the renewal fee(s) online, you will be redirected to the payment portal after submitting your renewal. Fee and payment information is also available within the Licensing Community portal under Payment Information.

Initial License – Supervised Lenders

Supervised Lender License Application and Forms

Pursuant to § 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

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.

Other Forms

Supervised Lender License Fees
Master License $ 740
Branch License $ 740

This includes a $100 surcharge added to all new and renewed supervised lender licenses to be deposited in the Identity Theft and Financial Fraud Cash Fund in the Colorado Department of Public Safety, as required by § 24-33.5-1707(2)(b), C.R.S.

Supervised Lender Important Renewal Dates!
Renewal becomes available Around mid-December each year
Renewal due date January 31 each year
Late fees March 2 each year (if not submitted by March 1)
Renewal Deadline! March 15 each year

If a licensee fails to pay the appropriate renewal and penalty fees by March 15, its license shall automatically expire!

Supervised Lender Important Annual Report Dates!
Annual Report becomes available Around mid-March each year
Annual Report due date June 1 each year
Annual Report Deadline! July 15 each year

If a licensee fails to submit the Annual Report and Proof of Financial Responsibility by July 15, their license will automatically expire!

Initial Notification – Retail Sales, Sales Finance, and Rent-to-Own

Retail Sales Initial Notification Forms

Credit sellers and retail merchants that regularly extend consumer credit as a "creditor" must file  notification and pay the notification fee within 30 days after commencing business in Colorado and thereafter, on or before January 31 of each year.

The initial notification form is now available online! Please go the the Licensing Community portal to login (if already a user) or register (if not a user). If you are a new user requesting access to an existing company, it may take 2-3 days to approve your access request.

Once setup via the Licensing Community portal, follow these steps to submit your initial notification:

  • Login to the Licensing Community portal and go to "Apply"
  • Download the Retail Sales Initial Notification (on the right-hand side) and any other required documents.
  • Complete the documents in the same format provided
  • Once complete, log back into the portal and upload via the portal by going to "Apply" and select the company you are applying for.
  • Then click "Next" and upload all required files.

Those who have failed to file notification for previous years must complete and upload each applicable notification form (available below) along with the required notification and late fees.

All applicable notification forms and fee(s) must be submitted before a notification filing is considered Active.

Sales Finance Initial Notification Forms

Sales finance companies that regularly collect consumer credit contracts must file notification and pay the notification and volume fees within 30 days after commencing business in Colorado and thereafter, on or before January 31 of each year.

Those who have failed to file notification for previous years must complete and submit each applicable notification form (available below) and submit along with the required notification and late fees.

All applicable notification forms and fee(s) must be submitted before a notification filing is considered Active.

Rent-to-Own Initial Notification Forms

Rent-to-own companies who make rental purchase agreements must file notification and pay the notification fee within 30 days of soliciting or entering into rental purchase agreements and thereafter, on or before January 31 each year.

Those who have failed to file notification for previous years must complete and submit each applicable notification form (available below) and submit along with the required notification and late fees.

All applicable notification forms and fee(s) must be submitted before a notification filing is considered Active.

Retail Sales, Sales Finance, and Rent-to-Own Notification Fees
Retail Sales Notification $ 150
Sales Finance Notification $ 150
Sales Finance Notification ONLY Volume Fee $ 15 (per $100,000)
Rent-to-Own Initial Notification Fee $ 50
Rent-to-Own Notification Renewal Fee $ 25
Retail Sales, Sales Finance, and Rent-to-Own Important Renewal Dates!
Renewal becomes available Around mid-December each year
Renewal due date January 31 each year
Late fees March 2 each year (if not submitted by March 1)

Renewals must be submitted annually to avoid being canceled!

IMPORTANT NOTE: The above license and notification filings (once issued) are valid through each December 31 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 12/31, 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 § 24-4-104(7), C.R.S.