reglab/housing_qa huggingface dataset:
CO Code § 5-19-232 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-232. Powers of Administrator - Rules

  The administrator may act on its own initiative or in response to complaints and may receive complaints, take action to obtain voluntary compliance with this part 2, and seek or provide remedies as provided in this part 2.    The administrator may investigate and examine, in this state or elsewhere, by subpoena or otherwise, the activities, books, accounts, and records of a person that provides or offers to provide debt-management services, or a person to which a provider has delegated its obligations under an agreement or this part 2, to determine compliance with this part 2. Information that identifies individuals who have agreements with the provider shall not be disclosed to the public. In connection with the investigation, the administrator may:   Charge the person the reasonable expenses necessarily incurred to conduct the examination;    Require or permit a person to file a statement under oath as to all the facts and circumstances of a matter to be investigated; and    Seek a court order authorizing seizure from a bank at which the person maintains a trust account required by section 5-19-222, any or all money, books, records, accounts, and other property of the provider that is in the control of the bank and relates to individuals who reside in this state.       The administrator may adopt rules to implement the provisions of this part 2 in accordance with section 24-4-103.    The administrator may enter into cooperative arrangements with any other federal or state agency having authority over providers and may exchange with any of those agencies information about a provider, including information obtained during an examination of the provider.    The administrator, by rule, shall establish reasonable fees to be paid by providers for the expense of administering this part 2. The fees may vary by the type of debt-management service provided.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1165, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-232 as it existed prior to 2017.
CO Code § 5-19-233 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-233. Administrative and Legal Remedies

  The administrator may enforce this part 2 and rules adopted under this part 2 by taking one or more of the following actions:   Ordering a provider or a director, employee, or other agent of a provider to cease and desist from any violations;    Ordering a provider or a person that has caused a violation to correct the violation, including making restitution of money or property to a person aggrieved by a violation;    Imposing on a provider or a person that has caused a violation a civil penalty not exceeding ten thousand dollars for each violation;    Prosecuting a civil action to:   Enforce an order; or    Obtain restitution, a civil penalty not to exceed ten thousand dollars per violation, an injunction, or other equitable relief;       Intervening in an action brought under section 5-19-235.       If a person violates or knowingly authorizes, directs, or aids in the violation of a final order issued under subsection (a)(1) or (a)(2) of this section, the administrator or court may impose a civil penalty not exceeding twenty thousand dollars for each violation.    The administrator may maintain an action to enforce this part 2 in any county.    The administrator may recover the reasonable costs of enforcing this part 2 under subsections (a) to (c) of this section, including attorney fees based on the hours reasonably expended and the hourly rates for attorneys of comparable experience in the community.    In determining the amount of a civil penalty to impose under subsection (a) or (b) of this section, the administrator or the court shall consider the seriousness of the violation, the good faith of the violator, any previous violations by the violator, the deleterious effect of the violation on the public, the net worth of the violator, and any other factor the administrator or the court considers relevant to the determination of the civil penalty.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1165, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-233 as it existed prior to 2017.
CO Code § 5-19-234 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-234. Suspension, Revocation, or Nonrenewal of Registration - Definitions

  In this section, “insolvent” means:   Having generally ceased to pay debts in the ordinary course of business other than as a result of good-faith dispute;    Being unable to pay debts as they become due; or    Being insolvent within the meaning of the federal bankruptcy law, 11 U.S.C. sec. 101 et seq., as amended.       In addition to the remedies otherwise available under this part 2, the administrator may suspend, revoke, or deny renewal of a provider's registration if:   A fact or condition exists that, if it had existed when the registrant applied for registration as a provider, would have been a reason for denying registration;    The provider has committed a material violation of this part 2 or a rule or order of the administrator under this part 2;    The provider is insolvent;    The provider or an employee or affiliate of the provider has refused to permit the administrator to make an examination authorized by this part 2, failed to comply with section 5-19-232 (b)(2) within fifteen days after request, or made a material misrepresentation or omission in complying with section 5-19-232 (b)(2); or    The provider has not responded within a reasonable time and in an appropriate manner to communications from the administrator.       If a provider does not comply with section 5-19-222 (f) or if the administrator otherwise finds that the public health, safety, or general welfare requires emergency action, the administrator may order a summary suspension of the provider's registration, effective on the date specified in the order.    If the administrator suspends, revokes, or denies renewal of the registration of a provider, the administrator may seek a court order authorizing seizure of any or all of the money in a trust account required by section 5-19-222, books, records, accounts, and other property of the provider that are located in this state.    If the administrator suspends or revokes a provider's registration, the provider may appeal and request a hearing pursuant to section 24-4-105.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1166, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-234 as it existed prior to 2017.
CO Code § 5-19-235 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-235. Private Enforcement

  If an individual voids an agreement pursuant to section 5-19-225 (b), the individual may recover in a civil action all money paid or deposited by or on behalf of the individual pursuant to the agreement, except amounts paid to creditors, in addition to the recovery under subsections (c)(3) and (c)(4) of this section.    If an individual voids an agreement pursuant to section 5-19-225 (a), the individual may recover in a civil action three times the total amount of the fees, charges, money, and payments made by the individual to the provider, in addition to the recovery under subsection (c)(4) of this section.    Subject to subsection (d) of this section, an individual with respect to whom a provider violates this part 2 may recover in a civil action from the provider and any person that caused the violation:   Compensatory damages for injury, including noneconomic injury, caused by the violation;    Except as otherwise provided in subsection (d) of this section, with respect to a violation of section 5-19-217, 5-19-219 to 5-19-224, 5-19-227, or 5-19-228    Punitive damages; and    Reasonable attorney fees and costs.       In a class action, except for a violation of section 5-19-228 (a)(4), the minimum damages provided in subsection (c)(2) of this section do not apply.    In addition to the remedy available under subsection (c) of this section, if a provider violates an individual's rights under section 5-19-220, the individual may recover in a civil action all money paid or deposited by or on behalf of the individual pursuant to the agreement, except for amounts paid to creditors.    A provider is not liable under this section for a violation of this part 2 if the provider proves that the violation was not intentional and resulted from a good-faith error notwithstanding the maintenance of procedures reasonably adapted to avoid the error. An error of legal judgment with respect to a provider's obligations under this part 2 is not a good-faith error. If, in connection with a violation, the provider has received more money than authorized by an agreement or this part 2, the defense provided by this subsection (f) is not available unless the provider refunds the excess within two business days after learning of the violation.    The administrator shall assist an individual in enforcing a judgment against the surety bond or other security provided under section 5-19-213 or 5-19-214.     (a), (b), or (d), the greater of the amount recoverable under subsection (c)(1) of this section or five thousand dollars;   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1167, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-235 as it existed prior to 2017.
CO Code § 5-19-236 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-236. Violation of Unfair or Deceptive Practices Statute

 If an act or practice of a provider violates both this part 2 and section 6-1-105 , an individual may not recover under both for the same act or practice.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1168, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-236 as it existed prior to 2017.
CO Code § 5-19-237 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-237. Statute of Limitations

  An action or proceeding brought pursuant to section 5-19-233 (a), (b), or (c) shall be commenced within four years after the conduct that is the basis of the administrator's complaint.    An action brought pursuant to section 5-19-235 shall be commenced within two years after the latest of:   The individual's last transmission of money to a provider;    The individual's last transmission of money to a creditor at the direction of the provider;    The provider's last disbursement to a creditor of the individual;    The provider's last accounting to the individual pursuant to section 5-19-227    The date on which the individual discovered or reasonably should have discovered the facts giving rise to the individual's claim; or    Termination of actions or proceedings by the administrator with respect to a violation of this part 2.       The period prescribed in subsection (b)(5) of this section is tolled during any period during which the provider or, if different, the defendant has materially and willfully misrepresented information required by this part 2 to be disclosed to the individual, if the information so misrepresented is material to the establishment of the liability of the defendant under this part 2.     (a);   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1168, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-237 as it existed prior to 2017.
CO Code § 5-19-238 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-238. Uniformity of Application and Construction

 In applying and construing this part 2, consideration shall be given to the need to promote uniformity of the law with respect to its subject matter among states that enact it.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1169, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-238 as it existed prior to 2017.
CO Code § 5-19-239 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-239. Relation to Federal “Electronic Signatures in Global and National Commerce Act”

 This part 2 modifies, limits, and supersedes the federal “Electronic Signatures in Global and National Commerce Act”, 15 U.S.C. sec. 7001 et seq., but does not modify, limit, or supersede section 101 (c) of that act, 15 U.S.C. sec. 7001 (c), or authorize electronic delivery of any of the notices described in section 103 (b) of that act, 15 U.S.C. sec. 7003 (b).   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1169, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-239 as it existed prior to 2017.
CO Code § 5-19-240 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-240. Transitional Provisions - Application to Existing Transactions

 Transactions entered into before January 1, 2008, and the rights, duties, and interests resulting from them may be completed, terminated, or enforced as required or permitted by a law amended, repealed, or modified by this part 2 as though the amendment, repeal, or modification had not occurred.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1169, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-240 as it existed prior to 2017.
CO Code § 5-19-241 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-241. Severability

 If any provision of this part 2 or its application to any person or circumstance is held invalid, the invalidity does not affect other provisions or applications of this part 2 that can be given effect without the invalid provision or application, and to this end the provisions of this part 2 are severable.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1169, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-241 as it existed prior to 2017.
CO Code § 5-19-242 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-242. Repeal of Part

 This part 2 is repealed, effective September 1, 2024. Prior to repeal, the department of regulatory agencies shall review the functions of the administrator pursuant to this part 2 and the registration of providers as provided for in section 24-34-104 .   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1169, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-242 as it existed prior to 2017.
CO Code § 5-20-101 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 20 - Colorado Student Loan Servicers|Part 1 - Colorado Student Loans|§ 5-20-101. Short Title

 The short title of this article 20 is the “Colorado Student Loan Equity Act”.   History. Source: L. 2019: Entire article added,(SB 19-002), ch. 157, p. 1856, § 2, effective August 2. L. 2021: Entire section amended,(SB 21-057), ch. 378, p. 2515, § 2, effective June 29.    Editor's note:   Section 19 of chapter 378 (SB 21-057), Session Laws of Colorado 2021, provides that the act changing this section applies to conduct occurring on or after June 29, 2021, including collection of debts arising out of loans issued before June 29, 2021.
CO Code § 5-20-102 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 20 - Colorado Student Loan Servicers|Part 1 - Colorado Student Loans|§ 5-20-102. Scope of Article - Residence of Debtor

  This part 1 applies to any person engaged in servicing a student education loan owed by an individual who is a resident of this state. For the purposes of this article 20, the residence of an individual is the address given by the individual as the individual's residence to the creditor or to the student loan servicer. Until an individual notifies the creditor or the student loan servicer of a new or different address, the given address is presumed to be unchanged.    Part 2 of this article 20 applies to private education lenders, creditors, and collection agencies in connection with those student education loans that are not made, insured, or guaranteed under federal law and that are used for postsecondary education.     History. Source: L. 2019: Entire article added,(SB 19-002), ch. 157, p. 1856, § 2, effective August 2. L. 2021: Entire section amended,(SB 21-057), ch. 378, p. 2516, § 3, effective June 29.    Editor's note:   Section 19 of chapter 378 (SB 21-057), Session Laws of Colorado 2021, provides that the act changing this section applies to conduct occurring on or after June 29, 2021, including collection of debts arising out of loans issued before June 29, 2021.
CO Code § 5-20-105 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 20 - Colorado Student Loan Servicers|Part 1 - Colorado Student Loans|§ 5-20-105. License Required

 On or after January 31, 2020, a person shall not act as a student loan servicer, directly or indirectly, without first obtaining a student loan servicing license from the administrator pursuant to this part 1.   History. Source: L. 2019: Entire article added,(SB 19-002), ch. 157, p. 1860, § 2, effective August 2. L. 2021: Entire section amended,(SB 21-057), ch. 378, p. 2531, § 7, effective June 29.    Editor's note:   Section 19 of chapter 378 (SB 21-057), Session Laws of Colorado 2021, provides that the act changing this section applies to conduct occurring on or after June 29, 2021, including collection of debts arising out of loans issued before June 29, 2021.
CO Code § 5-20-107 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 20 - Colorado Student Loan Servicers|Part 1 - Colorado Student Loans|§ 5-20-107. License and Investigation Fees

  A person applying for licensure under section 5-20-106 (1) or (2) shall pay the following nonrefundable fees established by the administrator:   Initial license fee of at least one thousand dollars;    Annual renewal fee of at least one thousand dollars; and    Investigation fee.       The administrator shall determine the amount of the fees required in this section and may periodically reduce or increase the amount of one or more of the fees if necessary pursuant to section (3) and (4), to reduce the uncommitted reserves of the fund created in section 5-20-104 (3). The fund is subject to the maximum reserve established in section 24-75-402.        History. Source: L. 2019: Entire article added,(SB 19-002), ch. 157, p. 1865, § 2, effective August 2.
CO Code § 5-20-109 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 20 - Colorado Student Loan Servicers|Part 1 - Colorado Student Loans|§ 5-20-109. Prohibited Acts of Student Loan Servicers

  A student loan servicer shall not:   Directly or indirectly employ a scheme, a device, or artifice to defraud or mislead student loan borrowers;    Engage in an unfair or deceptive practice toward any person or misrepresent or omit any material information in connection with the servicing of a student education loan, including misrepresenting the amount, nature, or terms of any fee or payment due or claimed to be due on a student education loan, the terms and conditions of the loan agreement, or the student loan borrower's obligations under the loan;    Obtain property by fraud or misrepresentation;    Misapply student education loan payments to the outstanding balance of a student education loan;    Provide inaccurate information to a consumer reporting agency;    Fail to report both the favorable and unfavorable payment history of a student loan borrower to a consumer reporting agency at least annually if the student loan servicer regularly reports information to a consumer reporting agency;    Refuse to communicate with an authorized representative of a student loan borrower who provides a written authorization signed by the student loan borrower; except that the student loan servicer may adopt procedures reasonably related to verifying that the representative is in fact authorized to act on behalf of the student loan borrower;    Make any false statement or omit any material fact in connection with information or reports filed with a governmental agency or in connection with an investigation conducted by the administrator or another governmental agency; or    Except as otherwise provided in federal law, federal student loan agreements, or a contract between the federal government and a student loan servicer, fail to properly evaluate a student loan borrower for an income-based or other student loan repayment program or for eligibility for a public service loan forgiveness program before placing the student loan borrower in forbearance or default, if an income-based repayment or other program is available to the student loan borrower.        History. Source: L. 2019: Entire article added,(SB 19-002), ch. 157, p. 1867, § 2, effective August 2.
CO Code § 5-20-111 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 20 - Colorado Student Loan Servicers|Part 1 - Colorado Student Loans|§ 5-20-111. Compliance With Federal Law

 A student loan servicer shall comply with all applicable federal laws and regulations relating to servicing, including the federal “Truth in Lending Act”, 15 U.S.C. sec. 1601 to 1667f, as amended, and the regulations adopted pursuant to that act. In addition to any other remedies provided by law, a violation of that act or regulations adopted pursuant to that act is a violation of this part 1 and a basis upon which the administrator may take enforcement action pursuant to this part 1.   History. Source: L. 2019: Entire article added,(SB 19-002), ch. 157, p. 1870, § 2, effective August 2. L. 2021: Entire section amended,(SB 21-057), ch. 378, p. 2532, § 9, effective June 29.    Editor's note:   Section 19 of chapter 378 (SB 21-057), Session Laws of Colorado 2021, provides that the act changing this section applies to conduct occurring on or after June 29, 2021, including collection of debts arising out of loans issued before June 29, 2021.