Colorado Uniform Consumer Credit Code: 2017 Annual Report Center
2017 Annual Report Forms
There are three separate annual report forms available below. Licensees must complete each form that applies to the type of lending or servicing activity engaged in:
Deferred Deposit/Payday Lenders
For deferred deposit (payday) loans pursuant to § 5-3.1-101, C.R.S.
Alternative Small Installment Lenders
For small installment loans pursuant to § 5-2-214, C.R.S.
For all other consumer credit transactions by finance companies, mortgage lenders, servicers, and insurance premium finance companies as well as purchasers, servicers, and assignees of consumer credit sales and leases
Colorado Attorney General Senior Staff
Chief Deputy Attorney General Melanie J. Snyder
Melanie J. Snyder serves as the Chief Deputy Attorney General for the State of Colorado. Melanie oversees the litigation for the State and the legal counsel to all state executive and judicial agencies. She coordinates legal policy and acts as the intergovernmental liaison on behalf of Attorney General Cynthia H. Coffman and the Colorado Department of Law.
Melanie joined the Attorney General’s Office in 2008 and has provided general counsel advice and representation in civil litigation and on appeal to a number of state clients on a variety of complex issues. She is a Commissioner on the Colorado Supreme Court Chief Justice’s Commission on Professional Development. Prior to being appointed as Chief Deputy, Melanie was Chief of Staff to Attorney General Coffman. She previously served as the Deputy Attorney General of the Revenue & Utilities Section, overseeing the representation of the Department of Revenue, Litigation Staff of the Public Utilities Commission, and the Property Tax Administrator. Before joining the office, Melanie practiced commercial litigation in large and small firms in Denver.
She received her J.D. degree from the University of San Diego School of Law and B.A. degrees in Political Science and Psychology from the University of Arizona. Melanie was born and raised in Arizona but married a Colorado native and together they have two children.
Chief of Staff Leora Joseph
Leora oversees the management of the Colorado Department of Law, including its administration functions as well as its professional development and community engagement initiatives. Leora joined the office in June of 2017.
Prior to serving as Chief of Staff, Leora served as a Senior Chief Deputy District Attorney in the Denver District Attorney’s Office and the Managing Chief Deputy District Attorney in the 18th Judicial District Attorney’s Office. Leora has extensive experience in prosecuting cases involving vulnerable victims, including cases of sexual assault, child abuse, human trafficking, domestic violence, elder abuse and crimes against those with Intellectual and developmental disabilities. In addition to managing units handling sensitive cases, Leora was also appointed by the Governor to serve on the Statewide Child Fatality Review Team.
Leora relocated from Boston to Denver with her family in 2012. In Boston, Leora worked as a prosecutor for the Suffolk County District Attorney for 16 years. There, she served as Chief of the Child Protection Unit and Deputy Chief of the Family Protection and Sexual Assault Unit. Leora has frequently guest lectured at many universities and Law schools, including Harvard. Leora attended McGill University Law School and received her B.A. from Barnard College at Columbia University. She lives in Denver with her husband and three children.
Colorado Solicitor General Frederick R. Yarger
Colorado Attorney General Cynthia H. Coffman appointed Fred Yarger as Solicitor General of Colorado in April 2015.
From 2012 through 2013, Yarger was Assistant Solicitor General for the Office of the Attorney General, working directly with former Solicitor General Daniel D. Domenico to oversee the office’s appellate and constitutional practice. Yarger was previously a lawyer with Gibson, Dunn & Crutcher, an international litigation firm with particular expertise in appellate matters. Earlier in his career, he served as judicial law clerk to the Honorable Mark Filip of the United States District Court for the Northern District of Illinois and to the Honorable Timothy Tymkovich of the United States Court of Appeals for the Tenth Circuit. Yarger earned a Juris Doctorate with honors from the University of Chicago Law School, where he was elected to the order of the coif and won awards for legal writing and appellate advocacy. He received his B.A. magna cum laude and with honors from Dartmouth College. He lives in Denver with his wife and two sons.
The Solicitor General supervises and determines legal strategy for appeals cases, as well as select constitutional litigation, handled by the Colorado Attorney General’s Office and is counsel of record for the State of Colorado before the United States Supreme Court. He is also responsible for coordinating formal Attorney General Opinions, evaluating requests for Colorado’s participation in litigation as amicus curiae, reviewing and approving proposed regulations from client agencies, supervising the office’s deputy and assistant solicitors general, and approving special assistant attorney general appointments.
Director of Legislative Affairs Jennifer M. Anderson
Jennifer M. Anderson joined the Colorado Attorney General’s Office in December of 2014. Jennifer serves as the Colorado General Assembly’s point of contact for the Department of Law. She is responsible for overseeing the Attorney General’s legislative agenda, as well as all other legislation that impacts the Department of Law.
Prior to joining the Attorney General’s office, Ms. Anderson practiced water and utility law at large regional law firms in Denver and Albuquerque. She served as the Director of Alcohol and Gaming at the New Mexico Regulation and Licensing Department from 2012-2014. Prior to law school, Jennifer received a J. William Fulbright Foreign Scholarship to South Korea and worked at the New Mexico State Legislature as a policy analyst.
Jennifer has an undergraduate degree from the University of Denver and graduated magna cum laude from the University of New Mexico School of Law. She is licensed to practice law in both Colorado and New Mexico.
Colorado Attorney General Annual Report
The Colorado Attorney General is one of four independently elected statewide offices in Colorado and was established by the State Constitution upon statehood in 1876.
The Attorney General and the Department of Law, collectively referred to as the Colorado Attorney General’s Office, represents and defends the legal interests of the people of the State of Colorado and its sovereignty. The Attorney General exercises the responsibilities given to the office by the Colorado Constitution, statutes enacted by the Colorado General Assembly, and the common law.
The Attorney General has primary authority for enforcement of consumer protection and antitrust laws, prosecution of criminal appeals and some complex white-collar crimes, the Statewide Grand Jury, training and certification of peace officers, and most natural resource and environmental matters. Additionally, the Attorney General’s Office works concurrently with Colorado’s 22 district attorneys and other local, state and federal law enforcement authorities to carry out the criminal justice responsibilities and activities of the office. The Attorney General is also the chief legal counsel and advisor to the executive branch of state government including the governor, all of the departments of state government, and to the many state agencies, boards, and commissions.
The Department is largely a cash-funded agency that receives funding from state agencies and various programs for the provision of legal services, the investigation and prosecution of fraud, and the protection of citizens of this State through a number of consumer protection efforts. The Department delivers its responsibilities within a nearly $70 million appropriated budget, and utilizes roughly 480 employees to carry out these responsibilities.
The Department’s services are mainly delivered through eight operational sections.
These sections carry out their specific responsibilities in order to provide the highest quality legal representation for state clients, to all state government agencies, and each program and board within. Additionally, investigative and prosecutorial efforts help protect the interests of state citizens by minimizing fraud and ensuring public safety.
Recursos en Español
Información General de Consumidor & Conexiones
- La Procuradora General Coffman Anuncia Iniciativa Para Revertir Una Tendencia Mortal Proporcionando Naloxona a Personas Que Pueden Salvar Vidas
- La Procuradora General de Colorado, Cynthia H. Coffman, la DEA, la Policía de Denver y el Destacamento de Estupefacientes de West Metro Colaboran Para Desmantelar Una Importante Red de Traficantes de Heroína en la Zona Metropolitana de Denver
- La Procuradora General, Cynthia H. Coffman le Recuerda a la Gente de Colorado que Donen con Inteligencia en la Secuela de la Tragedia en Orlando
- La Procuradora General Cynthia H. Coffman Destapa Nuevo Programa de Prevención de Fraude para Ayudar a Negocios de Colorado
- Procuradora General de Colorado Cynthia H. Coffman Sanciona a Subscriber Services, Inc, a Pagar una Compensación a Víctimas de Fraude de Mercadeo por Teléfono
- La Procuradora General de Colorado Cynthia H. Coffman Se Asocia con Méjico y Los Procuradores Generales de los Estados Occidentales para Luchar Contra el Tráfico de Humanos y el Lavado de Dinero en Ambos Lados de la Frontera
- La Procuradora General de Colorado Cynthia H. Coffman Cierra con éxito un Fraude de Caridad “Cancer Fund of America” Que Estafó mas de $75 Millones de Donantes con un Gran Corazón
- La Procuradora General de Colorado Cynthia H. Coffman Recuerda a los Consumidores: “No Hay ninguna Olla de Oro” desde Estafas de Lotería
- Colorado Procurador General Cynthia H. Coffman Comparte Las Diez Quejas Principales de los Consumidores Y Investigaciones para 2015
Business and Licensing
The Medical Unit provides representation and legal advice to the Colorado Board of Medical Examiners, the Pharmacy Board, the Office of Speech-Language Pathology Certification, and the Healthcare Professional Profiling Program within the Division of Professions and Occupations. The Unit also provides legal advice to the Division of Financial Services and the Colorado Civil Rights Commission within DORA, and the State Personnel Board.
Real Estate Unit
The Real Estate Unit provides representation and legal advice to the Division of Real Estate, including the Real Estate Commission, the Board of Real Estate Appraisers, the Conservation Easement Oversight Commission, the State Board of Equalization, the Community Association Manager Program, and the Mortgage Loan Originators Program. The Unit also represents the Independent Ethics Commission and the Broadband Deployment Board.
Agriculture/Professional Boards Unit
The Agriculture/Professional Boards Unit represents and advises diverse programs within the Division of Professions and Occupations including the Accountancy Board; Architects, Engineers and Land Surveyors Board; Landscape Architects Board; Electrical Board; Plumbing Board, Passenger Tramway Safety Board; Boxing Commission; and programs that regulate private investigators, outfitters, barbers and cosmetologists, and funeral homes and crematories. The Unit also represents the Department of Agriculture and numerous programs within, including the Milk Marketing Board, enforcement of the Pet Animals Care and Facilities Act, and the Colorado State Fair.
Financial & Health Services Unit
The Financial and Health Services Unit represents and advises the Division of Securities and the Division of Banking/Banking Board, as well as numerous programs within the Division of Professions and Occupations, including the Optometry Board, Licensed Professional Counselor Board, Certified Addiction Counselor Board, Registered Psychotherapist Board, Marriage and Family Therapist Board, Social Work Board, Psychology Board, Board of Veterinary Medicine, Podiatry Board, Chiropractic Board, and programs that regulate Occupational Therapists and Aides, Acupuncture, and Respiratory Therapists. The Unit also represents the State Claims Board and the office of the Child Protection Ombudsman and Child Protection Ombudsman Board.
The Insurance Unit represents and advises the Division of Insurance in handling of matters related to traditional insurance producers and companies as well as the bail bond business, pre-need funeral contracts and public adjusters.
Nursing and Dental Unit
The Nursing and Dental Unit represents and advises the Board of Nursing, the Dental Board, the Nurse-Physician Advisory Task Force for Colorado Healthcare (NPATCH). the Physical Therapists Board, and programs that regulate Nursing Home Administrators, Surgical Assistants/Surgical Technologists, Naturopathic Doctors, Direct Entry Midwives, Audiologists, Hearing Aid Providers, and Athletic Trainers.
Colorado Department of Regulatory Agencies
The Colorado Department of Regulatory Agencies (DORA) includes nine separate divisions and the Executive Director’s Office. DORA’s divisions include over 140 boards, commissions, and advisory committees. The Division of Registrations alone regulates over 50 professions, occupations and businesses in the state totaling over 345,000 people. Click here for a listing of regulated industries and professions by DORA's Divisions
While DORA regulates most professions within Colorado, other state and local agencies have certain regulatory authority and licensing and registration requirements. Other industries and services that are not regulated by DORA can be found here.
The department has also provided some resources for businesses and those interested in starting a business which can be found here.
Colorado Secretary of State
The Colorado Secretary of State heads the Colorado Department of State, which is comprised of five divisions: Business Division, Licensing Division, Elections Division, Administration Division, and Information Technology Division. Click here for information on business registration and other helpful resources from the Colorado Secretary of State.
Colorado Small Business Development Center Network
The Colorado Small Business Development Center Network (CSBDC) provides free and confidential consulting and no - or low-cost training programs across the state of Colorado. The SBDC program is the federal government's largest and most successful management and technical assistance program for small businesses. It is a partnership between the U.S. Small Business Administration (SBA) and America's Small Business Development Center Network (ASBDC). The Colorado Office of Economic Development and International Trade is the current host of the CSBDC program. Click here for resources and information from the CSBDC.
Patent Assertion Fraud
Recently, some Colorado businesses have received letters demanding licensing fees for the use of patented technology. These demand letters can be very costly for the targeted businesses, which are forced to expend time, money and other valuable resources determining how to best respond to the threat.
This issue led the Colorado General Assembly to create legislation regarding Prohibited Communication Concerning Patents (§6-12-101 - §6-12-104) that governs demand letters related to patents within the State of Colorado. Click here to learn more about Patent Assertion Fraud.
If you believe you have been victimized by patent assertion fraud, please file a report here.
Colorado Uniform Consumer Credit Code: 2018 Renewal & Notification Center
*Complete Renewal Applications and Fees Due January 31st*
*Complete Notification Forms and Fees Due January 31st*
In addition to the $65 notification fee, a $5 volume fee is required for each $100,000, or part thereof, of the unpaid balances of of each consumer credit sale or lease at the time it was taken by assignment in calendar year 2017. Please ensure any part of $100,000 is rounded up to avoid miscalculation of volume fees.
Example: $1,500,370 total volume in 2016. (Round up to nearest $100,000 = $1,600,000)
$1,600,000 / $100,000 = 16 x $5 volume fee = $80 in total volume fees.
Stop Fraud Colorado
StopFraudColorado.gov has been developed by the Consumer Protection Section of the Colorado Attorney General’s Office to support our mission of protecting consumers and businesses from the unscrupulous behavior of fraudsters operating throughout our state.
This site is comprised of information reflecting a wide variety of scams reported to our office by consumers, businesses, local, state, and federal agencies, along with numerous other law enforcement officials throughout our communities. While the site is not exhaustive, it can be utilized as an educational and reporting tool for the purposes of identifying, preventing, and reporting fraudulent activity throughout Colorado.
Safe2Tell Colorado Mission: "To ensure that all Colorado students, parents, teachers, and community members have access to a safe and anonymous way to report any concerns about their safety or the safety of others, with a focus on early intervention and prevention through awareness and education.”
Safe2Tell Colorado was founded on the idea that prevention and early intervention is the key to preventing violence and saving lives. The model safety and prevention initiative was developed on the principals of educating young people and school staff on critical issues, encouraging them to be part of the solution of prevention, equipping them with a tangible direct way to report anonymously and empowering them to make a difference. Bringing a proactive plan of reporting to focus, the Safe2Tell Colorado model allows for early interventions to take place in regards to behaviors identified as precipitators to violence and for those behaviors that endanger the health and well-being of youth. The strategy framework established by the model provides for the sharing of information in a sophisticated way to the local responders and schools, builds a system that establishes best practices for schools to identify a team response along with law enforcement partners, encourages training and providing CEU’s, and establishes methods for accountability and follow-up on each and every report, reducing liability to the individual schools and providing a way to effectively measure outcomes.
Safe2Tell Colorado provides:
An anonymous way for students, parents, school staff and community members to report concerns to their safety and the safety of others.
- Resources and materials for schools and communities to educate and promote the Safe2Tell reporting
- Technical assistance to schools and communities before and after tragic events
- Expertise in creating safer schools and communities through prevention and early interventions
- Education, awareness and outreach to encourage reporting and break the code of silence
Colorado Peace Officers Standards and Training
The Colorado Peace Officer Standards and Training (POST) Board documents and manages the certification and training of all active peace officers and reserve peace officers working for Colorado law enforcement agencies. POST also provides continuing training on emerging issues, including anti-bias, DNA and witness protection issues. Colorado POST is a unit of the Criminal Justice Section of the Colorado Attorney General's Office. POST Mission: The mission of Colorado POST is to establish and maintain standards for peace officer training and certification that are relevant, realistic and responsive to our ever-changing world.