*The Department of Law Consumer Credit Unit is committed to ensuring that its materials and documents are accessible to all. Should you need any assistance in order to fully access and use the materials and documents published or sent by the Consumer Credit Unit, please contact us at CAR@coag.gov to request an accommodation.
Laws and Rules
The laws are available via Colorado Legal Services provided by LexisNexis, the Official Publisher of Colorado Revised Statutes. The Colorado Fair Debt Collection Practices Act is available under Title 5.
- The Colorado Fair Debt Collection Practices Act can be viewed on the Lexis Nexis Website (opens in new tab)
- The Colorado Fair Debt Collection Practices Act Rules can be viewed on the Colorado Secretary of State Website (opens in new tab)
- The Colorado Child Support Collection Consumer Protection Act can be viewed on the Lexis Nexis Website(opens in new tab)
- The Colorado Child Support Collection Consumer Protection Act Rules can be viewed on the Colorado Secretary of State Website (opens in new tab)
Meetings
There are no meetings scheduled at this time
Bi-Annual Reports
In accordance with Senate Bill 17-216, below are the Bi-Annual Reports from the Administrator of the Colorado Fair Debt Collection Practices Act:
- First Bi-Annual Report (7-2-2018) (PDF)
- Second Bi-Annual Report (12-31-2018) (PDF)
- Third Bi-Annual Report (7-1-2019) (PDF)
- Fourth Bi-Annual Report (12-31-2019) (PDF)
- Fifth Bi-Annual Report (7-1-2020) (PDF)
Administrative Opinions
Below is a list of Memorandums, Administrative Opinions, Advisory Notices, and Notices regarding various debt collection issues. The documents are ordered most recent to least recent. In some instances, an Opinion may not be applicable due to changes in law or renumbering of statutes. For more information, please send us an email at CAR@coag.gov.
- Application of section 5-6-111, C.R.S. Administrative Opinion (12-2-2024) (PDF)
- Healthcare Billing Requirements for Indigent Patients HB 21-1198 Administrative Opinion (8-16-2022) (PDF)
- Validation of Debts Administrative Opinion (12-20-2021) (PDF)
- Payment “Convenience Fees” Administrative Opinion (12-27-2006) (PDF)
- Repossession Companies Acting as Collection Agencies Administrative Opinion (1-3-2000) (PDF)
- Service of Summons and Complaint with a Validation Notice Administrative Opinion (1-3-2000) (PDF)
- Inapplicability of section 13-21-109, C.R.S. to Consumer Credit Transactions Including Post-Dated Checks/Payday Loans Administrative Opinion (3-31-1995) (PDF)
- Pursuit of Civil Penalties Arising from Shoplifting Violations Administrative Opinion (8-30-1994) (PDF)
- Persons Required to be Licensed as Collection Agency Administrative Opinion (8-12-1994) (PDF)
- Addition of Collection Costs to Principal Debt Administrative Opinion (8-12-1994) (PDF)
- Collection Efforts During 30-Day Validation Period Administrative Opinion (7-27-1994) (PDF)
- Attorney Collection Agencies Administrative Opinion (11-15-1993) (PDF)
- Billing Services and “In-House” Contract Debt Collectors Administrative Opinion (11-12-1993) (PDF)
- Licensing for Support Collections Administrative Opinion (7-9-1993) (PDF)
- Dishonored Checks Administrative Opinion (3-1-1993) (PDF)
- Insufficient Funds Law, section 13-21-109, C.R.S. Administrative Opinion (3-1-1993) (PDF)
- Collection of Interest on Dishonored Checks Administrative Opinion (12-11-1991) (PDF)
- Loan Servicing Administrative Opinion (10-16-1991) (PDF)
- Applicability of Collection Agency Board Licensing Requirements to a Check Guarantee Company Administrative Opinion (9-20-1991) (PDF)
- Attorneys Subject to Colorado Fair Debt Collection Practices Act Administrative Opinion (5-1-1991) (PDF)
- In-State Office Requirements and validation Notice Administrative Opinion (4-10-1991) (PDF)
- Communication by Faxes Administrative Opinion (3-26-1991) (PDF)
- Rule 2.03 Administrative Opinion (1-8-1991) (PDF)
- Creditor’s Use of a Registered Trade Name in the Collection of its Own Debts Administrative Opinion (12-19-1990) (PDF)
- Governmental Agency’s Use of a Third-Party Name to Collect its Debt Administrative Opinion (12-19-1990) (PDF)
- Attorney Collection Agencies Administrative Opinion (12-3-1990) (PDF)
- Branch Office Licenses Administrative Opinion (7-10-1990) (PDF)
- Collection Agencies as Supervised Lenders Administrative Opinion (6-15-1990) (PDF)
- Mechanic’s Liens Administrative Opinion (0-18-1989) (PDF)
- “Bad Check”/Treble Damages Law – Assert Liability Administrative Opinion (8-25-1989) (PDF)
- Costs of Collection Administrative Opinion (4-14-1989) (PDF)
- Third-Party Contract – Business Cards Administrative Opinion (2-24-1989) (PDF)
- Tax Liabilities as Debts Administrative Opinion (5-11-1988) (PDF)