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Collection Agency Regulation: Advisory Opinions

Please note: Advisories may not be applicable due to changes in the law or renumbering of statutes.

Senate Bill 17-216 was recently enacted and contains some substantive changes to the Colorado Fair Debt Collection Practices Act (CFDCPA).  Please click here to review a memo from the Administrator of the CFDCPA.
Additionally, the CFDCPA and the Colorado Child Support Collection Consumer Protection Act were relocated from Title 12 of the Colorado Revised Statutes to Title 5, effective August 9, 2017.
Please see the right sidebar for the revised Acts as well as Title 12 to Title 5 Cross-References.

For information and requests for Interpretations and Opinion Letters, please email

Advisory Opinions

12/27/2006Payment "Convenience Fees"
07/14/2004Insurance Subrogation Claims
01/03/2000Repossession Companies Acting as Collection Agencies
10/12/1995Service of Summons and Complaint with a Validation Notice
03/31/1995Inapplicability of C.R.S. §13-21-109 to Consumer Credit Transactions Including Post-Dated Checks/Payday Loans
08/30/1994Pursuit of Civil Penalties Arising from Shoplifting Violations
08/12/1994Persons Required to be Licensed as a Colorado Collection Agency
08/12/1994Addition of Collection Costs to Principal Debt
07/27/1994Collection Efforts During 30-Day Validation Period
11/15/1993Attorney Collection Agencies
11/12/1993Billing Services and "In-House" Contract Debt Collectors
07/09/1993Licensing for Support Collections
03/01/1993Dishonored Checks
07/22/1992Insufficient Funds Law, ­­§13-21-109, C.R.S.
12/11/1991Collection of Interest on Dishonored Checks
10/16/1991Loan Servicing
09/20/1991Applicability of Collection Agency Board Licensing Requirements to a Check Guarantee Company
05/01/1991Attorneys Subject to Colorado Fair Debt Collection Practices Act
04/10/1991In-State Office Requirements and Validation Notice
03/26/1991Communication by Faxes (Board Policy Statement)
01/08/1991Rule 2.03
12/19/1990Creditor's Use of a Registered Trade Name in the Collection of its Own Debts
12/19/1990Governmental Agency's Use of a Third-Party Name to Collect its Debts
12/03/1990Attorney Collection Agencies
07/10/1990Branch Office Licenses
06/15/1990Collection Agencies as Supervised Lenders
10/18/1989Mechanic's Liens
08/25/1989"Bad Check"/Treble Damages Law - Assert Liability (Board Policy Statement)
04/14/1989Costs of Collection (Board Policy Statement)
02/24/1989Third-Party Contact - Business Cards (Board Policy Statement)
05/11/1988Tax Liabilities as Debts



Licensed Collection Agencies & Disciplinary History

Laws & Rules

Contact Us

Colorado Department of Law
Consumer Protection Section, CAR
Ralph L. Carr Colorado Judicial Center
1300 Broadway, 6th Floor
Denver, CO  80203

Consumer Complaints: (720) 508-6022
Licensing: (720) 508-6020
Fax: (720) 508-6033