reglab/housing_qa huggingface dataset:
CO Code § 5-6-113 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 1 - Powers and Functions of Administrator|§ 5-6-113. Temporary Relief

 With respect to an action brought to enjoin violations of this code under section 5-6-111 or unconscionable agreements or fraudulent or unconscionable conduct under section 5-6-112 , the administrator may apply to the court for a temporary restraining order or a preliminary injunction against a respondent pending final determination of proceedings. If the court finds after a hearing that there is reasonable cause to believe that the respondent is engaging in or is likely to engage in conduct sought to be restrained, it may grant any such temporary restraining order or preliminary injunction it deems appropriate. The court may also issue such orders or judgments as may be necessary to completely compensate or restore to his or her original position any consumer affected by such violation, agreement, or conduct or if there is reasonable cause to believe funds to make refunds of excess charges under this code will not be available at a future date. No bond or other security is required of the administrator before relief under this section may be granted.   History. Source: L. 2000: Entire article R&RE, p. 1250, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-112 , as it existed prior to 2000.
CO Code § 5-6-115 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 1 - Powers and Functions of Administrator|§ 5-6-115. Jury Trial

 In an action brought by the administrator under this code, the administrator has no right to trial by jury, but this will not prevent a defendant from requesting a jury trial under the Colorado rules of civil procedure.   History. Source: L. 2000: Entire article R&RE, p. 1252, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-114 , as it existed prior to 2000.   Cross references:   For jury trials, see C.R.C.P. 38.
CO Code § 5-6-116 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 1 - Powers and Functions of Administrator|§ 5-6-116. Consumers' Remedies Not Affected

 The grant of powers to the administrator in this article does not affect remedies available to consumers under this code or under other principles of law or equity.   History. Source: L. 2000: Entire article R&RE, p. 1252, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-115 , as it existed prior to 2000.
CO Code § 5-6-201 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 2 - Notification and Fees|§ 5-6-201. Applicability

  Except as provided in subsections (2) and (3) of this section, this part 2 applies if a person:   Makes consumer credit sales and charges or collects a finance charge, or makes consumer leases; or    Takes assignments of and undertakes direct collection of payments from, or enforcement of rights against, consumers arising from consumer credit sales or consumer leases.       This part 2 does not apply to supervised lenders described in section 5-1-301 (46), persons making consumer loans described in section 5-1-301 (15), or to persons licensed as collection agencies pursuant to article 16 of this title 5.    Sections 5-6-203 (5) and 5-6-204 of this part 2 apply to all fees collected under this code.     History. Source: L. 2000: Entire article R&RE, p. 1252, § 1, effective July 1. L. 2009: (1)(a) amended,(HB 09-1141), ch. 41, p. 158, § 4, effective January 1, 2010. L. 2017: (2) amended,(HB 17-1238), ch. 260, p. 1171, § 10, effective August 9.    Editor's note:   This section is similar to former § 5-6-201 , as it existed prior to 2000.   ANNOTATION   Law reviews. For article, “Colorado Usury”, see 11 Colo. Law. 2557 (1982).
CO Code § 5-6-202 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 2 - Notification and Fees|§ 5-6-202. Notification

  Persons subject to this part 2 shall file notification with, and pay the fee prescribed in section 5-6-203 to, the administrator within thirty days after commencing business in this state and, thereafter, on or before January 31 of each year. The notification shall state:   Name of the person;    Name in which business is transacted if different from paragraph (a) of this subsection (1);    Address of principal office, which may be outside this state;    Address of all offices or retail stores, if any, in this state at which consumer credit sales or consumer leases are made or, in the case of a person taking assignments of obligations, the offices or places of business within this state at which business is transacted;    If consumer credit sales or consumer leases are made otherwise than at an office or retail store in this state, a brief description of the manner in which they are made;    Address of designated agent upon whom service of process may be made in this state described in section 5-1-203; and    Whether supervised loans are made.       If information in a notification becomes inaccurate after filing, no further notification is required until the following January 31.     History. Source: L. 2000: Entire article R&RE, p. 1252, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-202 , as it existed prior to 2000.   ANNOTATION   Law reviews. For article, “Colorado Usury”, see 11 Colo. Law. 2557 (1982).
CO Code § 5-6-203 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 2 - Notification and Fees|§ 5-6-203. Fees

  A person required to file notification shall, with the first notification and on or before January 31 of each year thereafter, pay to the administrator a nonrefundable annual notification fee. The administrator is entitled to examine the loans, business, and records of such person without issuance of a subpoena.    (Deleted by amendment, L. 2009, (HB 09-1141), ch. 41, p. 158, § 5, effective January 1, 2010.)    Persons required to file notification who are assignees of consumer credit sales or consumer leases shall pay an additional nonrefundable annual volume fee on or before January 31 of each year for each one hundred thousand dollars, or part thereof, of the unpaid balances at the time of the assignment of obligations arising from consumer credit sales or consumer leases made in this state and taken by assignment during the preceding calendar year.    A penalty of five dollars per day shall be imposed on any person failing to comply with this section; except that, if the fees required by this section are paid on or before March 1 of each year, no penalty shall be imposed. If a person required to file notification and pay a notification fee fails to do so, the consumer shall have no obligation to pay the finance charge due under the consumer credit transaction, and any finance charges paid shall be refunded to the consumer. In addition, if the administrator examines the loans, business, or records of such person, the person shall pay the reasonable and necessary examination expenses of the administrator.      The administrator shall determine the amount of the notification, volume, and license fees required in this section and in section 5-2-302 and may periodically reduce or increase the amount of one or more of the fees if necessary pursuant to section 24-75-402 (3) and (4), C.R.S., to reduce the uncommitted reserves of the uniform consumer credit code cash fund created in section 5-6-204 to which all or any portion of one or more of the fees is credited.    In accordance with section (3)(c), C.R.S., for fiscal years prior to July 1, 2018, the uniform consumer credit code cash fund is subject to an alternative maximum reserve of one-third of the amount expended during the previous fiscal year. For fiscal years that begin on or after July 1, 2018, the fund is subject to the maximum reserve established in section 24-75-402, C.R.S.         History. Source: L. 2000: Entire article R&RE, p. 1253, § 1, effective July 1. L. 2009: Entire section amended,(HB 09-1141), ch. 41, p. 158, § 5, effective January 1, 2010. L. 2010: (5) amended,(HB 10-1422), ch. 419, p. 2063, § 7, effective August 11. L. 2015: (5) amended,(HB 15-1261), ch. 322, p. 1312, § 2, effective June 5.    Editor's note:   This section is similar to former § 5-6-203 , as it existed prior to 2000.
CO Code § 5-6-204 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 2 - Notification and Fees|§ 5-6-204. Cash Fund Created

  All fees collected under this code and under article 10 of this title 5 shall be credited to the uniform consumer credit code cash fund, which is created and referred to in this section as the “fund”, and all money credited to the fund shall be used for the administration and enforcement of this code, article 10 of this title 5, and article 19 of this title 5. Interest earned on the fund shall be credited to the fund. The general assembly shall make annual appropriations out of the fund for the administration and enforcement of this code, article 10 of this title 5, and article 19 of this title 5; except that expenditures by the administrator for consumer and creditor education resulting from the penalties provided in sections 5-2-303 (7)(f), 5-6-109 (1), 5-6-110, and 5-6-114 (2) shall not require appropriation by the general assembly if the expenditures do not exceed twenty-five thousand dollars per fiscal year and do not include the hiring of any full-time equivalents.       Repealed.    Notwithstanding subsection (1) of this section, the state treasurer shall transfer the penalties collected pursuant to section 5-6-114 (1)(a) to the general fund.     History. Source: L. 2000: Entire article R&RE, p. 1254, § 1, effective July 1. L. 2001: Entire section amended, p. 30, § 14, effective March 9. L. 2002: Entire section amended, p. 150, § 1, effective March 27. L. 2003: (3) added, p. 454, § 1, effective March 5. L. 2011: (4) added,(HB 11-1221), ch. 121, p. 382, § 4, effective July 1. L. 2015: (2) and (3) repealed,(SB 15-264), ch. 259, p. 941, § 6, effective August 5. L. 2017: (1) amended,(HB 17-1238), ch. 260, p. 1171, § 11, effective August 9.    Editor's note:   This section is similar to former § 5-6-204 , as it existed prior to 2000.
CO Code § 5-6-301 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 3 - Council of Advisors on Consumer Credit|§ 5-6-301. Council of Advisors on Consumer Credit

  There is hereby created the council of advisors on consumer credit consisting of nine members who shall be appointed by the governor. One of the advisors shall be designated by the governor as chairperson. In appointing members of the council, the governor shall seek to achieve a fair representation from the various segments of the consumer credit industry and public.    The term of office of each member of the council is three years. A member chosen to fill a vacancy arising otherwise than by expiration of a term shall be appointed for the unexpired term of the member whom he or she is to succeed. A member of the council is eligible for reappointment.    Members of the council shall serve without compensation but are entitled to reimbursement of actual and necessary expenses incurred in the performance of their duties.     History. Source: L. 2000: Entire article R&RE, p. 1254, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-301 , as it existed prior to 2000.
CO Code § 5-6-302 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 3 - Council of Advisors on Consumer Credit|§ 5-6-302. Function of Council - Conflict of Interest

  The council shall advise and consult with the administrator concerning the exercise of the administrator's powers under this code and may make recommendations to the administrator. Members of the council may assist the administrator in obtaining compliance with this code. Since it is an objective of this part 3 to obtain competent representatives of creditors and the public to serve on the council and to assist and cooperate with the administrator in achieving the objectives of this code, service on the council shall not in itself constitute a conflict of interest regardless of the occupations or associations of the members.      There is hereby created a subcommittee of the council of advisors on consumer credit for the purpose specified in paragraph (b) of this subsection (2). The subcommittee shall consist of the attorney general, the chairperson of the council, and three members of the council appointed by such chairperson. Of the subcommittee members who are also members of the council, two shall be representatives of the consumer credit industry and two shall be representatives of the public. Any action taken by a majority of the subcommittee shall constitute action by the council.    The subcommittee may review, repeal, amend, or modify any rule promulgated by the administrator pursuant to section 5-6-104 (1)(e).         History. Source: L. 2000: Entire article R&RE, p. 1254, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-302 , as it existed prior to 2000.
CO Code § 5-10-101 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 10 - Rental Purchase Agreements|Part 1 - General Provisions|§ 5-10-101. Short Title

 This article shall be known and may be cited as the “Colorado Rental Purchase Agreement Act”.   History. Source: L. 90: Entire article added, p. 366, § 1, effective January 1, 1991.
CO Code § 5-10-102 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 10 - Rental Purchase Agreements|Part 1 - General Provisions|§ 5-10-102. Legislative Declaration

  This article shall be liberally construed and applied to promote its underlying purposes and policies.    The underlying purposes and policies of this article are to:   Simplify, clarify, and modernize the law governing rental purchase agreements;    Provide certain disclosures to consumers who enter into rental purchase agreements and to promote consumer understanding of the terms of rental purchase agreements;    To protect consumers against unfair practices by some rental purchase dealers, having due regard for the interest of legitimate and scrupulous rental dealers; and    To permit and encourage the development of fair and economically sound rental purchase practices.        History. Source: L. 90: Entire article added, p. 366, § 1, effective January 1, 1991.
CO Code § 5-10-103 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 10 - Rental Purchase Agreements|Part 1 - General Provisions|§ 5-10-103. Waiver - Agreement to Forego Rights - Prohibited

 Except as otherwise provided in this article, a lessor or lessee, as those terms are defined in section 5-10-301 , may not waive or agree to forego rights or benefits under this article, and any attempt to waive or agree to forego such rights or benefits is void.   History. Source: L. 90: Entire article added, p. 367, § 1, effective January 1, 1991.
CO Code § 5-10-104 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 10 - Rental Purchase Agreements|Part 1 - General Provisions|§ 5-10-104. Effective Date

 Notwithstanding the provisions of section 5-9-101 , this article shall take effect January 1, 1991.   History. Source: L. 90: Entire article added, p. 367, § 1, effective January 1, 1991.
CO Code § 5-10-105 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 10 - Rental Purchase Agreements|Part 1 - General Provisions|§ 5-10-105. Supplementary General Principles of Law Applicable

 Unless displaced by the particular provisions of this article, the “Uniform Commercial Code” and the principles of law and equity, including the law relative to capacity to contract, principal and agent, estoppel, fraud, misrepresentation, duress, coercion, mistake, bankruptcy, or other validating or invalidating cause, supplement the provisions of this article.   History. Source: L. 90: Entire article added, p. 367, § 1, effective January 1, 1991.    Cross references:   For the “Uniform Commercial Code”, see title 4.
CO Code § 5-10-201 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 10 - Rental Purchase Agreements|Part 2 - Scope of Article|§ 5-10-201. Application

  This article shall apply to a rental purchase agreement, or acts, practices, or conduct relating to a rental purchase agreement if:   The rental purchase agreement is entered into in this state; or    The lessee is a resident of this state at the time the lessor offering the rental purchase agreement solicits the rental purchase agreement or modification thereof, whether such solicitation is made personally, by mail, or by telephone.       For the purposes of this article, the residence of the lessee is the address given by the lessee as the lessee's residence in any writing signed by the lessee in connection with the rental purchase agreement. Unless the lessee notifies the lessor in writing of a new or different residence address, the given residence address is presumed to be unchanged.     History. Source: L. 90: Entire article added, p. 367, § 1, effective January 1, 1991.
CO Code § 5-10-202 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 10 - Rental Purchase Agreements|Part 2 - Scope of Article|§ 5-10-202. Exclusions

  This article shall not apply to, and an agreement that complies with this article is not governed by the provision relating to:   A “consumer credit sale” as that term is defined in section 5-1-301 (11);    A “consumer lease” as that term is defined in section 5-1-301 (14);    A “consumer loan” as that term is defined in section 5-1-301 (15);       Repealed.    A “home solicitation sale” as that term is defined in section 5-3-401;    A “sale of goods” as that term is defined in section 5-1-301 (39);    A “security interest” as that term is defined in section 4-1-201 (b)(35), C.R.S.;    Any lease for agricultural, business, or commercial purposes;    Any lease of money or intangible personal property.        History. Source: L. 90: Entire article added, p. 367, § 1, effective January 1, 1991. L. 96: (1)(d) and (1)(e) repealed, p. 407, § 11, effective July 1. L. 2000: IP(1), (1)(a), (1)(b), (1)(c), (1)(f), and (1)(g) amended, p. 1870, § 101, effective August 2. L. 2006: (1)(h) amended, p. 503, § 45, effective September 1.
CO Code § 5-10-301 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 10 - Rental Purchase Agreements|Part 3 - Definitions|§ 5-10-301. Definitions

  As used in this article, unless otherwise required by the context:   “Administrator” means the administrator designated in section 5-6-103.    “Advertisement” means a commercial message in any medium that aids, promotes, or assists, directly or indirectly, a rental purchase agreement.    “Cash price” means the price at which a lessor in the ordinary course of business would offer the property that is the subject of a rental purchase agreement to the lessee for cash on the date of the execution of the rental purchase agreement.    “Consummate” means the act of the lessee in entering into a rental purchase agreement.    “Lessee” means a natural person who rents personal property under a rental purchase agreement.    “Lessor” means a person, firm, or corporation who in the ordinary course of business, regularly leases, offers to lease, or arranges for the leasing of property under a rental purchase agreement.    “Liability damage waiver” means a contract or contractual provision, whether separate from or a part of a rental purchase agreement, whereby the lessor agrees, for a charge, to waive any and all claims against the lessee for any damages to, or loss of, the property which is the subject of the rental purchase agreement during the term of the rental agreement.    “Period” means a day, week, month, or other subdivision of the year.    “Personal property” means any property which is made available for a rental purchase agreement and which is not considered real property under the laws of this state.    “Rental purchase agreement” means an agreement for the use of personal property by an individual primarily for personal, family, or household purposes, for an initial period of four months or less, whether or not there is any obligation beyond the initial period, that is automatically renewable with each payment and that permits the lessee to become the owner of the property.        History. Source: L. 90: Entire article added, p. 368, § 1, effective January 1, 1991.
CO Code § 5-10-402 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 10 - Rental Purchase Agreements|Part 4 - Disclosures and Form of Writing|§ 5-10-402. Form Requirements

  The information required by this part 4:   Shall be disclosed in writing in a rental purchase agreement;    Shall be set forth clearly and conspicuously, in not less than eight point standard type;    Shall be set apart and not contain any information not directly related to the disclosures;    Shall be stated using words and phrases of common meaning;    Need not be contained in a single writing or made in the order set forth in this part 4; and    May be supplemented by additional information or explanations supplied by the lessor, so long as the additional information is not stated, utilized, or placed in a manner which will confuse the lessee or contradict, obscure, or distract attention from the required information. The additional information or explanations shall not have the effect of circumventing, evading, or unduly complicating the information required to be disclosed.       The lessor shall disclose all information required by this part 4 before the rental purchase agreement is consummated.    Before any payment is due, the lessor shall furnish the lessee with an exact copy of the rental purchase agreement, which shall be signed by the lessee and which shall evidence the lessee's agreement. If there is more than one lessee in a rental purchase agreement, delivery of a copy of the rental purchase agreement to one of the lessees constitutes compliance with this subsection (3).     History. Source: L. 90: Entire article added, p. 370, § 1, effective January 1, 1991.
CO Code § 5-10-403 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 10 - Rental Purchase Agreements|Part 4 - Disclosures and Form of Writing|§ 5-10-403. Receipts

 The lessor shall furnish the lessee a written receipt for each payment made in cash or by any other method of payment that does not provide evidence of payment when any such payment is delivered in person during normal working hours.   History. Source: L. 90: Entire article added, p. 370, § 1, effective January 1, 1991.
CO Code § 5-10-501 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 10 - Rental Purchase Agreements|Part 5 - Limitation on Agreements and Practices|§ 5-10-501. Acquiring Ownership

 At any time after the first lease payment is made, the lessee may acquire ownership of the property under the terms specified in the rental purchase agreement.   History. Source: L. 90: Entire article added, p. 370, § 1, effective January 1, 1991.