*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.
- The Colorado Uniform Consumer Credit Code can be viewed on the Lexis Nexis website (opens in new tab)
- The Uniform Consumer Credit Code Rules can be viewed on the Colorado Secretary of State website (opens in new tab)
Meetings
- There are no meeting 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.
- 2022-2024 Supervised Lender Annual Report Composite (PDF)
- 2022-2023 Supervised Lender Annual Report Composite (PDF)
- 2022-2023 Alternative Charges Lender Annual Report Composite (PDF)
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, send us an email at uccc@coag.gov.
- Rebate Calculations Administrative Opinion (11-12-2024) (PDF)
- General Purpose Credit Cards Administrative Opinion (7-2-2024) (PDF)
- Score of C.R.S., section 5-13-106 (4-22-2024) (PDF)
- GAP Refund Notices and Cancellation Fees (1-2-2024) (PDF)
- Income Share Agreement Administrative Opinion (12-14-2023) (PDF)
- UCCC GAP Enforcement Priorities Administrative Opinion (9-12-2022) (PDF)
- Remote Work Guidance Administrative Opinion (8-19-2022) (PDF)
- Amended Surcharge Statute Administrative Opinion (6-29-2022) (PDF)
- Collateral and Alternate Charge Installment Loans Administrative Opinion (1-4-2019) (PDF)
- Medical Lien Transactions Administrative Opinion (9-22-2017) (PDF)
- Debt Cancellation and Suspension Agreements offered by Colorado-Chartered Banks, Industrial Banks, and Credit Unions Administrative Opinion (8-7-2017) (PDF)
- Pre-Settlement Lender Licensing Administrative Opinion (4-29-2010) (PDF)
- Request for Rulemaking on Debt Cancellation and Suspension Agreements Administrative Opinion (10-12-2005) (PDF)
- Small Installment Loans Administrative Opinion (8-2-2004) (PDF)
- Deferred Deposit Loan Act Amendments and Small Installment Loans Administrative Opinion (6-15-2004) (PDF)
- Fees for Electronic Debits and Payments Administrative Opinion (12-2-2002) (PDF)
- Loans Primarily Secured by an Interest in Land Administrative Opinion (3-13-2002) (PDF)
- Discretionary Automatic Overdraft Privilege Administrative Opinion (3-21-2001) (PDF)
- Colorado Deferred Deposit Loan Act – Renewals and Minimum Finance Charges Administrative Opinion (6-27-2000) (PDF)
- Automobile Purchase/Leaseback Administrative Opinion (2-14-2000) (PDF)
- Remedies for Improper Repossessions Administrative Opinion (12-15-1999) (PDF)
- Timely Payoff Quotes Administrative Opinion (7-31-1997) (PDF)
- Mortgage Broker Fees Administrative Opinion (12-23-1996) (PDF)
- Purchase of Credit Insurance Resulting in Favorable Rates Administrative Opinion (10-16-1996) (PDF)
- Subsidiaries of Supervised Financial Organizations and UCCC Licensing Administrative Opinion (9-10-1996) (PDF)
- “Slow Pay” Credit Card Rate Provision Administrative Opinion (8-23-1996) (PDF)
- Tax Service Fees Administrative Opinion (7-15-1995) (PDF)
- Loans Primarily Secured by Interest in Land Administrative Opinion (4-10-1995) (PDF)
- Supervised Lender Licenses and Mortgage Loans Administrative Opinion (11-22-1994) (PDF)
- Coupon Book Expense – Vender’s Single Interest Insurance (VSI) Administrative Opinion (2-7-1994) (PDF)
- Pawnbrokers and Title Loans Administrative Opinion (8-31-1994) (PDF)
- Post-Dated Checks and Payday Lenders Administrative Opinion (6-23-1992) (PDF)
- Consumer Leases – Disclosures and Truth-In-Lending Administrative Opinion (12-8-1989) (PDF)
- Required Compensating Balance Administrative Opinion (3-1-1985) (PDF)
- Revolving Loan and Grace Periods Administrative Opinion (2-24-1984) (PDF)
- Refund of Prepaid Finance Charges and Non-Precomputed Transactions (10-14-1983) (PDF)
- Seller Carry Back Second Mortgage Administrative Opinion (9-25-1981) (PDF)
- Wrap-Around Mortgages Administrative Opinion (12-16-1980) (PDF)
- Line of Credit and Consumer Loans Administrative Opinion (7-18-1980) (PDF)
- Finance Charges and Three-Day Right to Rescind Administrative Opinion (5-14-1980) (PDF)
- Refinancing Administrative Opinion (5-13-1980) (PDF)
- Maximum APR Applicable and Interest Bearing Loans Administrative Opinion ( 1-13-1980) (PDF)
- Right to Cure Notice with Four of Fewer Installments Administrative Opinion (1-4-1980) (PDF)
- Balloon Payment Provisions and First Lien Loans Administrative Opinion (12-18-1979) (PDF)
- Mortgage Lender Use of Monthly Amortization Administrative Opinion (12-13-1979) (PDF)
- Change in terms and Fluctuating Base Rate Administrative Opinion (11-13-1978) (PDF)
- Right to Cure Notice and Future Payment Reference Administrative Opinion (2-22-1978) (PDF)