*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 UCCC@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 Uniform Consumer Credit Code is available under Title 5.
- Colorado Uniform Consumer Credit Code (opens in new tab)
- Uniform Consumer Credit Code Rules (opens in new tab)
Meetings
- There are no meetings scheduled at this time
Annual Report Information
Supervised lenders are required to submit an Annual Report. Please note, the information provided by licensees has not been independently verified. Below are the latest composite reports available. If you wish to see information from prior years, please send us an email.
- 2022-2023 Supervised Lender Annual Report Composite PDF (opens new window)
- 2022-2023 Alternative Charges Lender Annual Report Composite PDF (opens new window)
Administrative Opinions
Pursuant to section 5-6-104(1)(b) of the Colorado Uniform Consumer Credit Code, the Administrator, within the limitation provided by law, may counsel persons and groups on their rights and duties under this code.
Below is a list of Memorandums, Opinions, Notices, and Administrative Interpretations regarding various consumer credit issues. The documents are ordered most recent to least recent. In some instances, an Opinion or Interpretation may not be applicable due to changes in law or renumbering of statutes.
For more information, please send us an email.
The Administrative Interpretation regarding Rebate Calculations is dated November 12, 2024.
The Revised Administrative Interpretive Opinion Letter regarding General Purpose Credit Cards is dated July 2, 2024.
The Administrative Opinion is dated April 22, 2024.
The Interpretive Opinion regarding GAP Refund Notices and Cancellation Fees is dated January 2, 2024.
The Interpretive Opinion regarding Income Share Agreements is dated December 14, 2023.
The Memorandum regarding UCCC GAP Enforcement Priorities Guidance is dated September 12, 2022.
The Memorandum regarding Updated remote work and COVID-19 Guidance is dated August 19, 2022.
The Interpretive Opinion regarding the Amendment of Surcharge Statue is dated June 29, 2022.
The Interpretive Opinion regarding Collateral and Alternate Charge Installment Loans is dated January 4, 2019.
The Interpretive Opinion regarding Medical Lien Transactions is dated September 22, 2017.
The Interpretive Opinion regarding Debt Cancellation and Suspension Agreements offered by Colorado-Chartered Banks, Industrial Banks, and Credit Unions is dated August 7, 2017.
The Notice regarding Pre-Settlement Lender Licensing is dated April 29, 2010.
The Memorandum regarding Request for Rulemaking on Debt Cancellation and Suspension Agreements is dated October 12, 2005.
The Memorandum regarding Small Installment Loans is dated August 2, 2004.
The Memorandum regarding Deferred Deposit Loan Act Amendments and Small Installment Loans is dated June 15, 2004.
The Notice regarding Fees for Electronic Debits and Payments is dated December 2, 2002.
The Memorandum regarding Loans Primarily Secured by an Interest in Land is dated March 13, 2002.
The Revised Letter regarding Discretionary Automatic Overdraft Privilege is dated March 21, 2001.
The Notice regarding Colorado Deferred Deposit Loan Act - Renewals and Minimum Finance Charges is dated June 27, 2000.
The Notice regarding Automobile Purchase/Leaseback is dated February 14, 2000.
The Notice regarding Remedies for Improper Repossessions is dated December 15, 1999.
The Notice regarding Timely Payoff Quotes is dated July 31, 1997.
The Notice regarding Mortgage Broker Fees is dated December 23, 1996.
The Notice regarding Purchase of Credit Insurance Resulting in Favorable Rates is dated October 16, 1996.
The Notice regarding Subsidiaries of Supervised Financial Organizations and UCCC Licensing is dated September 10, 1996.
The Notice regarding "Slow Pay" Credit Card Rate Provision is dated August 23, 1996.
The Administrator's Interpretation regarding Tax Service Fees is dated July 5, 1995.
The Memorandum regarding Loans Primarily Secured by an Interest in Land is dated April 10, 1995.
The Notice regarding Supervised Lender Licenses and Mortgage Loans is dated November 22, 1994.
The Notice regarding Coupon Book Expense - Vender's Single Interest Insurance is dated February 7, 1994.
The Administrative Interpretation regarding Pawnbrokers Title Loans is dated August 31, 1994.
The Administrative Interpretation regarding Post-Dated Checks and Payday Lenders is dated June 23, 1992.
The Administrative Interpretation regarding Consumer Leases - Disclosures and Truth-In-Lending is dated December 8, 1989.
The Administrative Interpretation regarding Required Compensating Balance is dated March 1, 1985.
The Administrative Interpretation regarding a Revolving Loan and Grace Periods is dated February 24, 1984.
The Administrative Interpretation regarding Refund of Prepaid Finance Charges and Non-Precomputed Transactions is dated October 14, 1983.
The Administrative Interpretation regarding Seller Carry Back Second Mortgages is dated September 25, 1981.
The Administrative Interpretation regarding Wrap-Around Mortgages is dated December 16, 1980.
The Administrative Interpretation regarding Line of Credit and Consumer Loans is dated July 18, 1980.
The Administrative Interpretation regarding Finance Charges and Three Day Right to Rescind is dated May 14, 1980.
The Administrative Interpretation regarding Refinancing is dated May 13, 1980.
The Administrative Interpretation regarding Maximum APR Applicable and Interest Bearing Loans is dated January 13, 1980.
The Administrative Interpretation regarding Right to Cure Notice with Four or Fewer Installments is dated January 4, 1980.
The Administrative Interpretation regarding Balloon Payment Provisions and First Lien Loans is dated December 18, 1979.
The Administrative Interpretation regarding Mortgage Lender Use of Monthly Amortization is dated December 13, 1979.
The Administrative Interpretation regarding Change in Terms and Fluctuating Base Rate is dated November 13, 1978.
The Administrative Interpretation regarding Right to Cure Notice and Future Payment Reference is dated February 22, 1978.