reglab/housing_qa huggingface dataset:
CO Code § 5-9-102.5 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 9 - Effective Date|§ 5-9-102.5. Continuation of Licensing After July 1, 2000

 Notwithstanding the repeal and reenactment of part 5 of article 3 of this title by House Bill 00-1185, as enacted at the second regular session of the sixty-second general assembly, all persons licensed or otherwise authorized under the provisions of part 5 of article 3 immediately prior to July 1, 2000, are licensed to make supervised loans under this code pursuant to the provisions on supervised loans contained in part 3 of article 2 of this title, and all provisions of said part 3 apply to the persons so previously licensed or authorized. The administrator may, but is not required to, deliver evidence of licensing to the persons so previously licensed or authorized.   History. Source: L. 2000: Entire section added, p. 1256, § 4, effective July 1.
CO Code § 5-9.5-101 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 9.5 - Refund Anticipation Loans|§ 5-9.5-101. To 5-9.5-109.(repealed)

 Editor's note:    This article 9.5 was added in 2010. For amendments to this article prior to its repeal in 2019, consult the 2019 Colorado Revised Statutes and the Colorado statutory research explanatory note beginning on page vii in the front of this volume.    Section 5-9.5-109 (1) provided for the repeal of this article, effective September 1, 2019.
CO Code § 5-12-101 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 12 - Interest- General Provisions|§ 5-12-101. Legal Rate of Interest

 If there is no agreement or provision of law for a different rate, the interest on money shall be at the rate of eight percent per annum, compounded annually.   History. Source: L. 71: R&RE, p. 852, § 1. C.R.S. 1963: § 73-12-101. L. 75: Entire section amended, p. 257, § 1, effective July 1. L. 79: Entire section amended, p. 315, § 1, effective June 20. History. Source: L. 71: R&RE, p. 852, § 1. C.R.S. 1963: § 73-12-101. L. 75: Entire section amended, p. 257, § 1, effective July 1. L. 79: Entire section amended, p. 315, § 1, effective June 20.    Cross references:   For interest on damages for personal injuries, see § 13-21-101 .   COLORADO COMMENT   The provisions of this Article 12 are derived in part from Article 1 of Chapter 73, C.R.S. 1963, in effect prior to this Code.   ANNOTATION   Law reviews. For article, “Notice to Attorneys”, see 12 Dicta 196 (1935). For article, “A Decade of Colorado Law: Conflict of Laws, Security, Colorado Interest Law”, see 34 Dicta 398 (1957). For article, “The Revolution in Consumer Credit Legislation”, see 45 Den. L.J. 679 (1968). For article, “Collecting Pre- and Post-Judgment Interest in Colorado: A Primer”, see 15 Colo. Law. 753 (1986). For article, “An Update of Appendices from Collecting Pre- and Post-Judgment Interest in Colorado”, see 15 Colo. Law. 990 (1986). For article, “Recovery of Interest: Parts I and II”, see 18 Colo. Law. 1063 and 1307 (1989).   Annotator's note. Since § 5-12-101 is similar to repealed § 73-1-1, C.R.S. 1963, CSA, C. 88, § 1, and laws antecedent to CSA, C. 88, § 1, relevant cases construing those provisions have been included in the annotations to this section.   Change in legal rate does not affect preexisting contracts. Salazar v. Taylor, 18 Colo. 538 , 33 P. 369 (1893); Bankers Trust Co. v. Int'l Trust Co., 108 Colo. 15 , 113 P.2d 656 (1941).   Interest awarded. M.L.G. Corp. v. Davis, 672 P.2d 1019 (Colo. App. 1983).   This section does not apply to a situation covered by the prompt payment statute. To the extent there is a conflict, the more specific prompt payment statute prevails over this section. New Design Constr. Co. v. Hamon Contractors, Inc., 215 P.3d 1163 (Colo. App. 2008).   Applied in Farmers State Bank v. Klein, 159 Colo. 165 , 410 P.2d 632 (1966); Equal Emp. Opportunity Comm'n v. Safeway Stores, Inc., 634 F.2d 1273 (10th Cir. 1980); Martinez v. Cont'l Enters., 730 P.2d 308 (Colo. 1986); Hansen v. Lederman, 759 P.2d 810 (Colo. App. 1988); Colo. Springs v. Timberlane Assoc., 807 P.2d 1177 (Colo. App. 1990).
CO Code § 5-12-105 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 12 - Interest- General Provisions|§ 5-12-105. Interest Upon Foreclosure

 In all cases where real estate shall be sold under execution or by virtue of the foreclosure of any mortgage, deed of trust, or other lien, the indebtedness and costs for which any certificate of purchase may issue shall bear interest at the rate specified in the original instrument.   History. Source: L. 71: R&RE, p. 852, § 1. C.R.S. 1963: § 73-12-105. History. Source: L. 71: R&RE, p. 852, § 1. C.R.S. 1963: § 73-12-105.    ANNOTATION   Law reviews. For article, “Forms Committee Presents Additional Standard Pleading Samples for Use in Foreclosures Through Public Trustee”, see 29 Dicta 1 (1952).
CO Code § 5-13-101 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 13 - Federal Preemption of Usury Laws - State Override|§ 5-13-101. Mortgages

 In accordance with section 501 (b)(2) of Public Law 96-221, it is declared that the state of Colorado does not want the provisions of subsection 501 (a)(1) of Public Law 96-221 removing the limits on the rate or amount of interest, discount points, finance charges, or other charges which may be charged, taken, received, or reserved with respect to loans, mortgages, credit sales, and advances made to apply in this state. The rates established in articles 1 to 9 of this title shall control consumer credit transactions in the state of Colorado.   History. Source: L. 81: Entire article added, p. 399, § 1, effective July 1.
CO Code § 5-13-102 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 13 - Federal Preemption of Usury Laws - State Override|§ 5-13-102. Business and Agricultural Loans

 In accordance with section 512 of Public Law 96-221, it is declared that the state of Colorado does not want the provisions of section 511 of Public Law 96-221 setting interest rates and preempting state interest rates on business and agricultural loans to apply in this state. The rates established in articles 1 to 9 of this title shall control consumer credit transactions in the state of Colorado.   History. Source: L. 81: Entire article added, p. 399, § 1, effective July 1.
CO Code § 5-13-103 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 13 - Federal Preemption of Usury Laws - State Override|§ 5-13-103. Small Business Loans

 In accordance with section 524 of Public Law 96-221, it is declared that the state of Colorado does not want the amendments to the “Small Business Investment Act” made by section 524 of Public Law 96-221 prescribing interest rates for small business loans to apply in this state. The rates established in articles 1 to 9 of this title shall control consumer credit transactions in the state of Colorado.   History. Source: L. 81: Entire article added, p. 399, § 1, effective July 1.
CO Code § 5-16-101 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-101. Short Title

 The short title of this article 16 is the “Colorado Fair Debt Collection Practices Act”.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1079, § 1, effective August 9.    Editor's note:   This section is similar to former § 12-14-101 as it existed prior to 2017.
CO Code § 5-16-102 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-102. Scope of Article

  This article 16 shall apply to any collection agency, solicitor, or debt collector that has a place of business located:   Within this state;    Outside this state and collects or attempts to collect from consumers who reside within this state for a creditor with a place of business located within this state;    Outside this state and regularly collects or attempts to collect from consumers who reside within this state for a creditor with a place of business located outside this state; or    Outside this state and solicits or attempts to solicit debts for collection from a creditor with a place of business located within this state.        History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1079, § 1, effective August 9.    Editor's note:   This section is similar to former § 12-14-102 as it existed prior to 2017.   ANNOTATION   For purposes of the federal Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692 to 1692o, if an attorney fits the definition of debt collectors found in the first sentence of § 1692a(6), they are debt collectors and therefore subject to the regulations contained in the federal act. Shapiro & Meinhold v. Zartman, 823 P.2d 120 (Colo. 1992) (decided under former law).
CO Code § 5-16-104 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-104. Location Information - Acquisition

  Any debt collector or collection agency communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall:   Identify himself or herself, state that he or she is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his or her employer;    Not state that the consumer owes any debt;    Not communicate with any person more than once unless requested to do so by the person or unless the debt collector or collection agency reasonably believes that the person's earlier response is erroneous or incomplete and that the person now has correct or complete location information;    Not communicate by postcard;    Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debtor collector or collection agency is in the debt collection business or that the communication relates to the collection of a debt; and    After the debt collector or collection agency knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, the attorney's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time, not less than thirty days, to communication from the debt collector or collection agency.        History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1083, § 1, effective August 9.    Editor's note:   This section is similar to former § 12-14-104 as it existed prior to 2017.
CO Code § 5-16-106 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-106. Harassment or Abuse

  A debt collector or collection agency shall not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the following conduct:   The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person;    The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader;    The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of 15 U.S.C. sec. 1681b (a)(3) and section 5-18-104 (1)(c);    The advertisement for sale of any debt to coerce payment of the debt or agreeing to do so for the purpose of solicitation of claims;    Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number;    Except as provided in section 5-16-104, the placement of telephone calls without meaningful disclosure of the caller's identity within the first sixty seconds after the other party to the call is identified as the debtor.        History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1085, § 1, effective August 9.    Editor's note:   This section is similar to former § 12-14-106 as it existed prior to 2017.
CO Code § 5-16-110 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-110. Multiple Debts

 If any consumer owes multiple debts and makes any single payment to any collection agency with respect to such debts, the collection agency shall not apply the payment to any debt which is disputed by the consumer and when so informed shall apply the payment in accordance with the consumer's directions.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1089, § 1, effective August 9.    Editor's note:   This section is similar to former § 12-14-110 as it existed prior to 2017.
CO Code § 5-16-111.5 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-111.5. Fees, Costs, and Costs of Collection - Limitation

  Except as described in subsection (2) of this section, a private collection agency or privately retained attorney collecting on any debt arising from past-due orders, obligations, fines, or fees due to the state, or due to any political subdivision within the state, may add to the amount due that has been placed for collection all fees, costs, and costs of collection, including designated contractual attorney fees and costs that are awarded by a court of competent jurisdiction. Exclusive of the accrual of interest and court costs, any fees, costs, and costs of collection may not exceed eighteen percent in the aggregate unless additional reasonable attorney fees are awarded by a court of competent jurisdiction.    Subsection (1) of this section does not apply if the state or political subdivision of the state has sold the debt to a third party.    Notwithstanding section 24-1-136 (11)(a)(I), on or before January 1, 2023, and on or before January 1 every five years thereafter, the state auditor shall review the rate described in subsection (1) of this section and the fee described in section 24-30-202.4 (8)(a) and report the results of his or her review to the finance committees of the senate and the house of representatives or any successor committees. The report may include any recommendations of the state auditor regarding raising or lowering the rate or the fee.     History. Source: L. 2018: Entire section added, (HB 18-1057), ch. 314, p. 1895, § 1, effective July 1, 2019. L. 2021: (3) amended, (SB 21-055), ch. 12, p. 75, § 3, effective March 21.
CO Code § 5-16-112 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-112. Deceptive Forms

  It is unlawful for any person to design, compile, and furnish any form knowing that the form would be used to create the false belief in a consumer that a person other than the creditor of the consumer is participating in the collection or in the attempted collection of a debt that the consumer allegedly owes the creditor, when in fact the person is not so participating.    Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector or collection agency under section 5-16-113 for failure to comply with this article 16.    This section shall apply if the person supplying or using the forms or the consumer receiving the forms is located within this state.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1089, § 1, effective August 9.    Editor's note:   This section is similar to former § 12-14-112 as it existed prior to 2017.
CO Code § 5-16-114 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-114. Administrative Enforcement - Rules

 Compliance with this article 16 shall be enforced by the administrator. The administrator may make reasonable rules for the administration and enforcement of this article 16, including standards of conduct for licensees and collection notices and forms.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1092, § 1, effective August 9.    Editor's note:   This section is similar to former § 12-14-114 as it existed prior to 2017.
CO Code § 5-16-115 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-115. License - Registration - Unlawful Acts

  It is unlawful for any person to:   Conduct the business of a collection agency or advertise or solicit, either in print, by letter, in person, or otherwise, the right to make collection or obtain payment of any debt on behalf of another without having obtained a license under this article 16; or    Conduct the business of a collection agency under any name other than that under which licensed.       It is unlawful for a person to act as a collections manager without having complied with sections 5-16-119 and 5-16-122.    It is unlawful for any person to employ a person as a solicitor, collections manager, or debt collector under this article 16 without complying with this section.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1092, § 1, effective August 9.    Editor's note:   This section is similar to former § 12-14-115 as it existed prior to 2017.   ANNOTATION   Unlicensed collection agency is not lawfully entitled to bring suit against the maker of a note. B.C. Inv. Co. v. Throm, 650 P.2d 1333 (Colo. App. 1982) (decided under former law).   A person who collects a debt that is not in default is not a “collection agency”. Therefore, a person who purchases a debt before it is in default is not required to be licensed under the Colorado Fair Debt Collection Practices Act to attempt to collect the debt or bring suit to collect a debt. PurCo Fleet Servs., Inc. v. Koenig, 240 P.3d 435 (Colo. App. 2010), aff'd on other grounds, 2012 CO 56, 285 P.3d 979 (decided under former § 12-14-115 ).
CO Code § 5-16-117 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-117. Powers and Duties of the Administrator

  Repealed.    The administrator is authorized to approve or deny any application submitted pursuant to this article 16 and to issue any license authorized by this article 16.    Any complaint received by the administrator regarding violations of this article 16 by an attorney shall be forwarded to the supreme court's attorney regulation counsel.    The administrator shall enforce the provisions of article 17 of this title 5 pursuant to section 5-17-111.    to (8) Repealed.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1093, § 1, effective August 9; (1) repealed and (5), (6), (7), and (8) added,(SB 17-216), ch. 285, p. 1579, § 7, effective January 1, 2018.    Editor's note:    This section is similar to former § 12-14-117 as it existed prior to 2017.    Subsections (1), (5), (6), (7), and (8) were numbered as § 12-14-117 (1), (6), (7), (8), and (9), respectively, in SB 17-216 (seeL. 2017, p. 1579). Those provisions were harmonized with this section as it appears in HB 17-1238, effective January 1, 2018.
CO Code § 5-16-118 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-118. Collection Agency License - Required

 Any person acting as a collection agency must possess a valid license issued by the administrator in accordance with this article 16 and any rules adopted pursuant thereto.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1093, § 1, effective August 9.    Editor's note:   This section is similar to former § 12-14-118 as it existed prior to 2017.   ANNOTATION   Corporation that is in the business of debt collection that takes a complete assignment of a debt owed to an entity located in Colorado is subject to the licensure provisions of this section even though the corporation is located outside of Colorado and the assignor of the debt retains no further rights in such debt. Commercial Serv. v. Fitzgerald, 856 P.2d 58 (Colo. App. 1993) (decided under former law).
CO Code § 5-16-120 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-120. License - Issuance - Grounds for Denial - Appeal - Contents

  Upon the approval of the license application by the administrator and the satisfaction of all application requirements, the administrator shall issue the applicant a license to operate as a collection agency.    The administrator may deny any application for a license or its renewal if any grounds exist that would justify disciplinary action under section 5-16-127, for failure to meet the requirements of section 5-16-119, or if the applicant, the applicant's principals, or the applicant's collections manager have fraudulently obtained or attempted to obtain a license.    If any application for a license or its renewal is denied, the applicant may appeal the decision pursuant to section 24-4-104.    The license shall state the name of the licensee, location by street and number or office building and room number, city, county, and state where the licensee has his or her principal place of business, together with the number and date of the license and the date of expiration of the license, and shall further state that it is issued pursuant to this article 16 and that the licensee is duly authorized under this article 16.    The administrator may deny any application for a license or its renewal if the collection agency has failed to perform the duties enumerated in section 5-16-123.    The administrator may deny any application for a license or its renewal if the collection agency does not have a positive net worth.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1095, § 1, effective August 9.    Editor's note:   This section is similar to former § 12-14-120 as it existed prior to 2017.
CO Code § 5-16-121 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 16 - Colorado Fair Debt Collection Practices Act|§ 5-16-121. Collection Agency License - Renewals

 Each licensee shall make an application to renew its license in the form and manner prescribed by the administrator. The application shall be accompanied by a nonrefundable renewal fee in an amount determined by the administrator.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1096, § 1, effective August 9.    Editor's note:   This section is similar to former § 12-14-121 as it existed prior to 2017.