Colorado Uniform Consumer Credit Code

Program Information

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.  It sets maximum rates and charges, requires disclosure of the cost of credit so consumers may shop for the best rates, and provides remedies for consumers on default.  The UCCC does not apply to first mortgage residential acquisition and refinance loans except for its sections on disclosures of the cost of credit, certain consumer remedies, and administrative powers.  Most other consumer credit transactions such as payday loans, automobile loans, second mortgages, state-issued credit cards, and signature loans are subject to the UCCC.

The Colorado Attorney General’s Office, through the Administrator of the Uniform Consumer Credit Code, investigates complaints about lenders and creditors, licenses non-bank lenders such as finance companies and payday lenders, and takes appropriate disciplinary or legal action when a creditor violates the law.  This office cannot give legal advice nor can we represent individual consumers in actions against creditors.  Consumers may bring legal action against creditors under the UCCC.

Notice of Administrative Interpretive Opinions

The Administrator has issued an Interpretive Opinion Letter regarding Rebate Calculations (PDF).

The Administrator has issued a Revised Interpretive Opinion Letter regarding General Purpose Credit Cards (PDF).

This and all other Administrative Opinions are available on the General Information webpage (below).

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