reglab/housing_qa huggingface dataset:
CO Code § 6-1-906 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 9 - Colorado No-Call List Act|§ 6-1-906. Enforcement - Penalties - Defenses

  On and after July 1, 2002, violation of any provision of this part 9 constitutes a deceptive trade practice under the provisions of section 6-1-105 (1) and may be enforced under sections 6-1-110, 6-1-112, and 6-1-113. No state enforcement action under this part 9 may be brought against a person or entity for fewer than three violations per month.    Notwithstanding subsection (1) of this section, it shall not be a violation of this part 9 if:   The person or entity has otherwise fully complied with the provisions of this part 9 and has established and implemented, prior to the violation, written practices and procedures to effectively prevent telephone solicitations in violation of this part 9; or    The violation resulted from an error in transcription or other technical defect, not the fault of the person or entity, that caused the information in the no-call list as received by the person or entity to differ from the information that was or should have been included in the no-call list as transmitted by the designated agent.       The remedies, duties, prohibitions, and penalties of this section are not exclusive and are in addition to all other causes of action, remedies, and penalties provided by law.    No provider of telephone caller identification service shall be held liable for violations of this part 9 committed by other persons or entities.     History. Source: L. 2001: Entire part added, p. 1460, § 1, effective August 8.
CO Code § 6-1-907 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 9 - Colorado No-Call List Act|§ 6-1-907. Acceptance of Gifts, Grants, and Donations

 The public utilities commission may accept and expend moneys from gifts, grants, and donations for purposes of administering the provisions of this part 9.   History. Source: L. 2001: Entire part added, p. 1460, § 1, effective August 8.
CO Code § 6-1-908 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 9 - Colorado No-Call List Act|§ 6-1-908. Severability

 If any provision of this part 9 or the application thereof to any person or circumstances is held invalid, such invalidity shall not affect other provisions or applications of this part 9 which can be given effect without the invalid provision or application, and to this end the provisions of this part 9 are declared to be severable.   History. Source: L. 2001: Entire part added, p. 1460, § 1, effective August 8.
CO Code § 6-1-1101 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1101. Short Title

 This part 11 shall be known and may be cited as the “Colorado Foreclosure Protection Act”.   History. Source: L. 2006: Entire part added, p. 1330, § 1, effective May 30.
CO Code § 6-1-1102 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1102. Legislative Declaration

 The general assembly hereby finds, determines, and declares that home ownership and the accumulation of equity in one's home provide significant social and economic benefits to the state and its citizens. Unfortunately, too many home owners in financial distress, especially the poor, elderly, and financially unsophisticated, are vulnerable to a variety of deceptive or unconscionable business practices designed to dispossess them or otherwise strip the equity from their homes. There is a compelling need to curtail and to prevent the most deceptive and unconscionable of these business practices, to provide each home owner with information necessary to make an informed and intelligent decision regarding transactions with certain foreclosure consultants and equity purchasers, to provide certain minimum requirements for contracts between such parties, including statutory rights to cancel such contracts, and to ensure and foster fair dealing in the sale and purchase of homes in foreclosure. Therefore, it is the intent of the general assembly that all violations of this part 11 have a significant public impact and that the terms of this part 11 be liberally construed to achieve these purposes.   History. Source: L. 2006: Entire part added, p. 1330, § 1, effective May 30.
CO Code § 6-1-1105 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1105. Right of Cancellation

  In addition to any right of rescission available under state or federal law, the home owner has the right to cancel a foreclosure consulting contract at any time.    Cancellation occurs when the home owner gives written notice of cancellation of the foreclosure consulting contract to the foreclosure consultant at the address specified in the contract or through any facsimile or electronic mail address identified in the contract or other materials provided to the home owner by the foreclosure consultant.    Notice of cancellation, if given by mail, is effective when deposited in the United States mail, properly addressed, with postage prepaid.    Notice of cancellation need not be in the form provided with the contract and is effective, however expressed, if it indicates the intention of the home owner to cancel the foreclosure consulting contract.    As part of the cancellation of a foreclosure consulting contract, the home owner shall repay, within sixty days after the date of cancellation, all funds paid or advanced in good faith prior to the receipt of notice of cancellation by the foreclosure consultant or associate under the terms of the foreclosure consulting contract, together with interest at the prime rate published by the federal reserve plus two percentage points, with the total interest rate not to exceed eight percent per year, from the date of expenditure until repaid by the home owner.    The right to cancel may not be conditioned on the repayment of any funds.     History. Source: L. 2006: Entire part added, p. 1336, § 1, effective May 30.
CO Code § 6-1-1106 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1106. Waiver of Rights - Void

  A provision in a foreclosure consulting contract is void as against public policy if the provision attempts or purports to:   Waive any of the rights specified in this subpart 2 or the right to a jury trial;    Consent to jurisdiction for litigation or choice of law in a state other than Colorado;    Consent to venue in a county other than the county in which the property is located; or    Impose any costs or fees greater than the actual costs and fees.        History. Source: L. 2006: Entire part added, p. 1337, § 1, effective May 30.
CO Code § 6-1-1107 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1107. Prohibited Acts

  A foreclosure consultant may not:   Claim, demand, charge, collect, or receive any compensation until after the foreclosure consultant has fully performed each and every service the foreclosure consultant contracted to perform or represented that the foreclosure consultant would perform;    Claim, demand, charge, collect, or receive any interest or any other compensation for a loan that the foreclosure consultant makes to the home owner that exceeds the prime rate published by the federal reserve at the time of any loan plus two percentage points, with the total interest rate not to exceed eight percent per year;    Take a wage assignment, lien of any type on real or personal property, or other security to secure the payment of compensation;    Receive any consideration from a third party in connection with foreclosure consulting services provided to a home owner unless the consideration is first fully disclosed in writing to the home owner;    Acquire an interest, directly, indirectly, or through an associate, in the real or personal property of a home owner with whom the foreclosure consultant has contracted;    Obtain a power of attorney from a home owner for any purpose other than to inspect documents as provided by law; or    Induce or attempt to induce a home owner to enter into a foreclosure consulting contract that does not comply in all respects with this subpart 2.        History. Source: L. 2006: Entire part added, p. 1337, § 1, effective May 30.
CO Code § 6-1-1108 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1108. Criminal Penalties

 A person who violates section 6-1-1107 is guilty of a misdemeanor, as defined in section 18-1.3-504 , C.R.S., and shall be subject to imprisonment in county jail for up to one year, a fine of up to twenty-five thousand dollars, or both.   History. Source: L. 2006: Entire part added, p. 1338, § 1, effective May 30.
CO Code § 6-1-1109 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1109. Unconscionability

  A foreclosure consultant or associate may not facilitate or engage in any transaction that is unconscionable given the terms and circumstances of the transaction.      If a court, as a matter of law, finds a foreclosure consultant contract or any clause of such contract to have been unconscionable at the time it was made, the court may refuse to enforce the contract, enforce the remainder of the contract without the unconscionable clause, or so limit the application of any unconscionable clause as to avoid an unconscionable result.    When it is claimed or appears to the court that a foreclosure consultant contract or any clause of such contract may be unconscionable, the parties shall be afforded a reasonable opportunity to present evidence as to its commercial setting, purpose, and effect, to aid the court in making the determination.    In order to support a finding of unconscionability, there must be evidence of some bad faith overreaching on the part of the foreclosure consultant or associate such as that which results from an unreasonable inequality of bargaining power or other circumstances in which there is an absence of meaningful choice for one of the parties, together with contract terms that are, under standard industry practices, unreasonably favorable to the foreclosure consultant or associate.         History. Source: L. 2006: Entire part added, p. 1338, § 1, effective May 30.
CO Code § 6-1-1110 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1110. Language

 A foreclosure consulting contract, and all notices of cancellation provided for therein, shall be written in English and shall be accompanied by a written translation from English into any other language principally spoken by the home owner, certified by the person making the translation as a true and correct translation of the English version. The translated version shall be presumed to have equal status and credibility as the English version.   History. Source: L. 2006: Entire part added, p. 1338, § 1, effective May 30.
CO Code § 6-1-1111 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1111. Written Contract Required

 Every contract shall be written in at least nine-point, legible type and fully completed, signed, and dated by the home owner and equity purchaser prior to the execution of any instrument quit-claiming, assigning, transferring, conveying, or encumbering an interest in the residence in foreclosure.   History. Source: L. 2006: Entire part added, p. 1338, § 1, effective May 30. L. 2010: Entire section amended, (HB 10-1133), ch. 350, p. 1616, § 4, effective January 1, 2011.
CO Code § 6-1-1112 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1112. Written Contract - Contents - Notice

  Every contract shall contain the entire agreement of the parties and shall include the following terms:   The name, business address, and telephone number of the equity purchaser;    The street address and full legal description of the residence in foreclosure;    Clear and conspicuous disclosure of any financial or legal obligations of the home owner that will be assumed by the equity purchaser. If the equity purchaser will not be assuming any financial or legal obligations of the home owner, the equity purchaser shall provide to the home owner a separate written disclosure that substantially complies with section 18-5-802 (6), C.R.S.    The total consideration to be paid by the equity purchaser in connection with or incident to the acquisition by the equity purchaser of the residence in foreclosure;    The terms of payment or other consideration, including, but not limited to, any services of any nature that the equity purchaser represents will be performed for the home owner before or after the sale;    The date and time when possession of the residence in foreclosure is to be transferred to the equity purchaser;    The terms of any rental agreement or lease;    The specifications of any option or right to repurchase the residence in foreclosure, including the specific amounts of any escrow deposit, down payment, purchase price, closing costs, commissions, or other fees or costs;    A notice of cancellation as provided in section 6-1-1114; and    The following notice, in at least nine-point bold-faced type, and completed with the name of the equity purchaser, immediately above the statement required by section 6-1-1114:       The contract required by this section survives delivery of any instrument of conveyance of the residence in foreclosure, but does not have any effect on persons other than the parties to the contract or affect title to the residence in foreclosure.      NOTICE REQUIRED BY COLORADO LAW Until your right to cancel this contract has ended, (Name) or anyone working for (Name) CANNOT ask you to sign or have you sign any deed or any other document.   History. Source: L. 2006: Entire part added, p. 1339, § 1, effective May 30. L. 2010: IP(1)(j) amended,(HB 10-1133), ch. 350, p. 1617, § 5, effective January 1, 2011.
CO Code § 6-1-1113 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1113. Cancellation

  In addition to any right of rescission available under state or federal law, the home owner has the right to cancel a contract with an equity purchaser until 12 midnight of the third business day following the day on which the home owner signs a contract that complies with this part 11 or until 12 noon on the day before the foreclosure sale of the residence in foreclosure, whichever occurs first.    Cancellation occurs when the home owner personally delivers written notice of cancellation to the address specified in the contract or upon deposit of such notice in the United States mail, properly addressed, with postage prepaid.    A notice of cancellation given by the home owner need not take the particular form as provided with the contract and, however expressed, is effective if it indicates the intention of the home owner not to be bound by the contract.    In the absence of any written notice of cancellation from the home owner, the execution by the home owner of a deed or other instrument of conveyance of an interest in the residence in foreclosure to the equity purchaser after the expiration of the rescission period creates a rebuttable presumption that the home owner did not cancel the contract with the equity purchaser.     History. Source: L. 2006: Entire part added, p. 1340, § 1, effective May 30.
CO Code § 6-1-1114 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1114. Notice of Cancellation

     The contract shall contain, as the last provision before the space reserved for the home owner's signature, a conspicuous statement in at least twelve-point bold-faced type, as follows:    The equity purchaser shall accurately specify the date and time of day on which the cancellation right ends.       The contract shall be accompanied by duplicate completed forms, captioned “notice of cancellation” in at least nine-point bold-faced type if the contract is printed or in capital letters if the contract is typed, followed by a space in which the equity purchaser shall enter the date on which the home owner executed the contract. Such form shall:   Be attached to the contract;    Be easily detachable; and    Contain the following statement, in at least nine-point type if the contract is printed or in capital letters if the contract is typed:       The equity purchaser shall provide the home owner with a copy of the contract and the attached notice of cancellation.    Until the equity purchaser has complied with this section, the home owner may cancel the contract.     You may cancel this contract for the sale of your house without any penalty or obligation at any time before _______________ (Date and time of day). See the attached notice of cancellation form for an explanation of this right.    NOTICE OF CANCELLATION (Enter date contract signed). You may cancel this contract for the sale of your house, without any penalty or obligation, at any time before (Enter date and time of day). To cancel this transaction, personally deliver a signed and dated copy of this Notice of Cancellation in the United States mail, postage prepaid, to , (Name of purchaser) at (Street address of purchaser's place of business) NOT LATER THAN (Enter date and time of day). I hereby cancel this transaction (Date) (Seller's signature)   History. Source: L. 2006: Entire part added, p. 1340, § 1, effective May 30. L. 2010: IP(2) and IP(2)(c) amended,(HB 10-1133), ch. 350, p. 1617, § 6, effective January 1, 2011.
CO Code § 6-1-1115 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1115. Options Through Reconveyances

  A transaction in which a home owner purports to grant a residence in foreclosure to an equity purchaser by an instrument that appears to be an absolute conveyance and reserves to the home owner or is given by the equity purchaser an option to repurchase shall be permitted only where all of the following conditions have been met:   The reconveyance contract complies in all respects with section 6-1-1112;    The reconveyance contract provides the home owner with a nonwaivable thirty-day right to cure any default of said reconveyance contract and specifies that the home owner may exercise this right to cure on at least three separate occasions during such reconveyance contract;    The equity purchaser fully assumes or discharges the lien in foreclosure as well as any prior liens that will not be extinguished by such foreclosure, which assumption or discharge shall be accomplished without violation of the terms and conditions of the liens being assumed or discharged;    The equity purchaser verifies and can demonstrate that the home owner has or will have a reasonable ability to make the lease payments and to repurchase the residence in foreclosure within the term of the option to repurchase under the reconveyance contract. For purposes of this section, there is a rebuttable presumption that the home owner has a reasonable ability to make lease payments and to repurchase the residence in foreclosure if the home owner's payments for primary housing expenses and regular principal and interest payments on other personal debt do not exceed sixty percent of the home owner's monthly gross income; and    The price the home owner must pay to exercise the option to repurchase the residence in foreclosure is not unconscionable. Without limitation on available claims under section 6-1-1119, a repurchase price exceeding twenty-five percent of the price at which the equity purchaser acquired the residence in foreclosure creates a rebuttable presumption that the reconveyance contract is unconscionable. The acquisition price paid by the equity purchaser may include any actual costs incurred by the equity purchaser in acquiring the residence in foreclosure.        History. Source: L. 2006: Entire part added, p. 1341, § 1, effective May 30.
CO Code § 6-1-1116 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1116. Waiver of Rights - Void

  A provision in a contract between an equity purchaser and home owner is void as against public policy if it attempts or purports to:   Waive any of the rights specified in this subpart 3 or the right to a jury trial;    Consent to jurisdiction for litigation or choice of law in a state other than Colorado;    Consent to venue in a county other than the county in which the property is located; or    Impose any costs or fees greater than the actual costs and fees.        History. Source: L. 2006: Entire part added, p. 1342, § 1, effective May 30.
CO Code § 6-1-1117 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1117. Prohibited Conduct

  The contract provisions required by sections 6-1-1111 to 6-1-1114 shall be provided and completed in conformity with such sections by the equity purchaser.    Until the time within which the home owner may cancel the transaction has fully elapsed, the equity purchaser shall not do any of the following:   Accept from a home owner an execution of, or induce a home owner to execute, an instrument of conveyance of any interest in the residence in foreclosure;    Record with the county recorder any document, including, but not limited to, the contract or any lease, lien, or instrument of conveyance, that has been signed by the home owner;    Transfer or encumber or purport to transfer or encumber an interest in the residence in foreclosure to a third party; or    Pay the home owner any consideration.       Within ten days following receipt of a notice of cancellation given in accordance with sections 6-1-1113 and 6-1-1114, the equity purchaser shall return without condition the original contract and any other documents signed by the home owner.    An equity purchaser shall make no untrue or misleading statements of material fact regarding the value of the residence in foreclosure, the amount of proceeds the home owner will receive after a foreclosure sale, any contract term, the home owner's rights or obligations incident to or arising out of the sale transaction, the nature of any document that the equity purchaser induces the home owner to sign, or any other untrue or misleading statement concerning the sale of the residence in foreclosure to the equity purchaser.     History. Source: L. 2006: Entire part added, p. 1342, § 1, effective May 30.
CO Code § 6-1-1118 (2021)
2021 Colorado Code|Title 6 - Consumer and Commercial Affairs|Article 1 - Colorado Consumer Protection Act|Part 11 - Colorado Foreclosure Protection Act|§ 6-1-1118. Criminal Penalties

 A person who violates section 6-1-1117 (2) or (3) or who intentionally violates section 6-1-1117 (4) is guilty of a misdemeanor, as defined in section 18-1.3-504 , C.R.S., and shall be subject to imprisonment in county jail for up to one year, a fine of up to twenty-five thousand dollars, or both.   History. Source: L. 2006: Entire part added, p. 1343, § 1, effective May 30.