reglab/housing_qa huggingface dataset:
CO Code § 5-4-302 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 4 - Insurance|Part 3 - Property and Liability Insurance|§ 5-4-302. Insurance on Creditor's Interest Only

 If a creditor contracts for or receives a separate charge for insurance against loss of or damage to property, the risk of loss or damage not willfully caused by the consumer is on the consumer only to the extent of any deficiency in the effective coverage of the insurance even though the insurance covers only the interest of the creditor.   History. Source: L. 2000: Entire article R&RE, p. 1232, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-4-302 , as it existed prior to 2000.   ANNOTATION   A creditor named as a beneficiary in a policy on the debtor's life is entitled out of the proceeds only to the amount of the actual debt, together with interest. Where the sole purpose to be accomplished in the issuance of an insurance policy upon the life of a debtor is to secure the payment of a debt to the creditor, or where the same single purpose is accomplished by a change in beneficiary, the creditor's right to the proceeds of the policy on the death of a debtor extends no further than indemnity. Under such circumstances all proceeds from the policy beyond the debt owed the creditor plus interest and premiums paid by him, are payable to the legal representatives of the deceased debtor. Forster v. Franklin Life Ins. Co., 135 Colo. 383 , 311 P.2d 700 (1957) (decided under repealed § 73-5-1, CRS 53). A creditor named as a beneficiary in a policy on the debtor's life is entitled out of the proceeds only to the amount of the actual debt, together with interest. Where the sole purpose to be accomplished in the issuance of an insurance policy upon the life of a debtor is to secure the payment of a debt to the creditor, or where the same single purpose is accomplished by a change in beneficiary, the creditor's right to the proceeds of the policy on the death of a debtor extends no further than indemnity. Under such circumstances all proceeds from the policy beyond the debt owed the creditor plus interest and premiums paid by him, are payable to the legal representatives of the deceased debtor. Forster v. Franklin Life Ins. Co., 135 Colo. 383 , 311 P.2d 700 (1957) (decided under repealed § 73-5-1, CRS 53).
CO Code § 5-4-303 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 4 - Insurance|Part 3 - Property and Liability Insurance|§ 5-4-303. Liability Insurance

 A creditor may not contract for or receive a separate charge for insurance against liability unless the insurance covers a substantial risk of liability arising out of the ownership or use of property related to the credit transaction.   History. Source: L. 2000: Entire article R&RE, p. 1232, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-4-303 , as it existed prior to 2000.
CO Code § 5-4-304 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 4 - Insurance|Part 3 - Property and Liability Insurance|§ 5-4-304. Cancellation by Creditor

 This section does not apply to an insurance premium loan. A creditor shall not request cancellation of a policy of property or liability insurance except after the consumer's default or in accordance with a written authorization by the consumer, and in either case the cancellation does not take effect until written notice is delivered to the consumer or mailed to the consumer at his or her address as stated by the consumer. The notice shall state that the policy may be canceled on a date not less than ten days after the notice is delivered or, if the notice is mailed, not less than thirteen days after it is mailed.   History. Source: L. 2000: Entire article R&RE, p. 1233, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-4-304 , as it existed prior to 2000.
CO Code § 5-5-101 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 5 - Remedies and Penalties|Part 1 - Limitations on Creditors' Remedies|§ 5-5-101. Short Title

 This article shall be known and may be cited as the “Uniform Consumer Credit Code - Remedies and Penalties”.   History. Source: L. 2000: Entire article R&RE, p. 1233, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-5-101 , as it existed prior to 2000.   ANNOTATION   Law reviews. For article, “Legislative Overview of the Uniform Consumer Credit Code: A 1971 Perspective”, see 48 Den. L.J. 27 (1971).
CO Code § 5-5-102 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 5 - Remedies and Penalties|Part 1 - Limitations on Creditors' Remedies|§ 5-5-102. Scope

 This part 1 applies to actions or other proceedings to enforce rights arising from consumer credit transactions.   History. Source: L. 2000: Entire article R&RE, p. 1233, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-5-102 , as it existed prior to 2000.
CO Code § 5-5-104 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 5 - Remedies and Penalties|Part 1 - Limitations on Creditors' Remedies|§ 5-5-104. Insecurity and Impaired Collateral

  If a creditor takes possession of any collateral because the creditor deems himself or herself insecure or because the creditor feels his or her collateral is impaired, and the creditor fails to prove that, at the time possession was taken, the creditor, in good faith, had reasonable cause to believe that he or she was insecure or that his or her collateral was impaired:   The creditor shall be liable to the consumer for court costs and attorney fees as determined by the court; and    The consumer shall not be liable for any finance charge incurred during the period the consumer is without use of the collateral.        History. Source: L. 2000: Entire article R&RE, p. 1234, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-5-103.5 , as it existed prior to 2000.   ANNOTATION   Law reviews. For article, “Secured Transactions -- Part II: Default, Foreclosure and Bankruptcy”, see 12 Colo. Law. 13 (1983).
CO Code § 5-5-105 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 5 - Remedies and Penalties|Part 1 - Limitations on Creditors' Remedies|§ 5-5-105. No Garnishment Before Judgment

 Prior to entry of judgment in an action against the consumer for debt arising from a consumer credit transaction, the creditor may not replevin goods, except motor vehicles, of the consumer with the use of force from a dwelling upon an ex parte order of court or attach unpaid earnings of the consumer by garnishment or like proceedings.   History. Source: L. 2000: Entire article R&RE, p. 1234, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-5-104 , as it existed prior to 2000.   ANNOTATION   Shares of common stock debtor purchased through an employee stock purchase plan are not exempt earnings pursuant to this section and § 13-54-104 . In re Kramer, 339 B.R. 761 (Bankr. D. Colo. 2006 ).
CO Code § 5-5-107 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 5 - Remedies and Penalties|Part 1 - Limitations on Creditors' Remedies|§ 5-5-107. No Discharge From Employment for Garnishment

 No employer shall discharge an employee for the reason that a creditor of the employee has subjected or attempted to subject unpaid earnings of the employee to garnishment or like proceedings directed to the employer for the purpose of paying a judgment arising from a consumer credit transaction.   History. Source: L. 2000: Entire article R&RE, p. 1235, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-5-106 , as it existed prior to 2000.   ANNOTATION   Law reviews. For article, “Punitive Damages in Wrongful Discharge Cases”, see 15 Colo. Law. 658 (1986).
CO Code § 5-5-108 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 5 - Remedies and Penalties|Part 1 - Limitations on Creditors' Remedies|§ 5-5-108. Extortionate Extensions of Credit

  If it is the understanding of the creditor and the consumer at the time an extension of credit is made that delay in making repayment or failure to make repayment could result in the use of violence or other criminal means to cause harm to the person, reputation, or property of any person, the repayment of the extension of credit is unenforceable through civil judicial processes against the consumer.    If it is shown that an extension of credit was made at an annual percentage rate exceeding forty-five percent calculated according to the actuarial method and that the creditor then had a reputation for the use or threat of use of violence or other criminal means to cause harm to the person, reputation, or property of any person to collect extensions of credit or to punish the nonpayment thereof, there is prima facie evidence that the extension of credit was unenforceable under subsection (1) of this section.     History. Source: L. 2000: Entire article R&RE, p. 1235, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-5-107 , as it existed prior to 2000.
CO Code § 5-5-112 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 5 - Remedies and Penalties|Part 1 - Limitations on Creditors' Remedies|§ 5-5-112. Attorney Fees

  With respect to a consumer credit transaction, the agreement may provide for the payment by the consumer of reasonable attorney fees not in excess of fifteen percent of the unpaid debt after default and referral to an attorney not a salaried employee of the creditor or such additional fee as may be directed by the court. A provision in violation of this section is unenforceable.    This section does not authorize the imposition of attorney fees for preparation of a notice of right to cure if the consumer cures the default pursuant to sections 5-5-110 and 5-5-111.     History. Source: L. 2000: Entire article R&RE, p. 1240, § 1, effective July 1.    Editor's note:   This section is similar to former §§ 5-2-413 , 5-3-404 , and 5-3-514 , as they existed prior to 2000.   ANNOTATION   Law reviews. For article, “State Variations of the Uniform Consumer Credit Code: The Case for Legislative Restraint”, see 48 Den. L.J. 239 (1971).   Where litigation involved an installment sale contract entered into prior to October 1, 1971, this section did not apply. John Deere Co. v. Catalano, 186 Colo. 101 , 525 P.2d 1153 (1974) (decided under law in effect prior to the 2000 repeal and reenactment).   Applied in Nat'l City Bank of Denver v. Sather, 677 P.2d 432 (Colo. App. 1983) (decided under law in effect prior to the 2000 repeal and reenactment).
CO Code § 5-5-204 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 5 - Remedies and Penalties|Part 2 - Consumers' Remedies|§ 5-5-204. Interests in Land

 For purposes of the provisions on civil liability for violation of the disclosure provisions contained in section 5-5-202 and on a consumer's right to rescind certain transactions contained in section 5-5-203 , “consumer credit transaction” includes a transaction primarily secured by an interest in land without regard to the rate of the finance charge if the transaction is otherwise a consumer credit transaction.   History. Source: L. 2000: Entire article R&RE, p. 1243, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-5-201 , as it existed prior to 2000.
CO Code § 5-5-205 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 5 - Remedies and Penalties|Part 2 - Consumers' Remedies|§ 5-5-205. Refunds and Penalties as Set-Off to Obligation

 Refunds or penalties to which the consumer is entitled pursuant to this part 2 may be set off against the consumer obligation and may be raised as a defense to a suit on the obligation without regard to the time limitations prescribed by said sections.   History. Source: L. 2000: Entire article R&RE, p. 1243, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-5-205 , as it existed prior to 2000.
CO Code § 5-5-206 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 5 - Remedies and Penalties|Part 2 - Consumers' Remedies|§ 5-5-206. Civil Liability for Discrimination

 If a person has failed to comply with section 5-3-210 , the person aggrieved by such failure to comply has a right to recover actual damages from such person but in no event less than one hundred dollars for actual and exemplary damages nor more than one thousand dollars for actual and exemplary damages. In the case of a successful action to enforce such right of recovery, the aggrieved person shall recover the costs of the action together with reasonable attorney fees as determined by the court.   History. Source: L. 2000: Entire article R&RE, p. 1243, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-5-206 , as it existed prior to 2000.   Cross references:   For discrimination, see article 34 of title 24.
CO Code § 5-5-302 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 5 - Remedies and Penalties|Part 3 - Criminal Penalties|§ 5-5-302. Disclosure Violations

  [ ] A person is guilty of a misdemeanor, and upon conviction thereof, shall be punished by a fine of not more than five thousand dollars, or by imprisonment in the county jail for not more than one year, or by both such fine and imprisonment if such person willfully and knowingly:   Gives false or inaccurate information or fails to provide information that such person is required to disclose under the provisions of this code on disclosure and advertising or of any related rule of the administrator adopted pursuant to this code;    Uses any rate table or chart in a manner which consistently understates the annual percentage rate determined according to those provisions; or    Otherwise fails to comply with any requirement of the provisions of this code on disclosure and advertising or of any related rule of the administrator adopted pursuant to this code.       Editor's note: This version of the introductory portion to subsection (1) is effective until March 1, 2022.  [ ] A person commits a class 2 misdemeanor if such person willfully and knowingly:  Editor's note: This version of the introductory portion to subsection (1) is effective March 1, 2022.  History. Source: L. 2000: Entire article R&RE, p. 1244, § 1, effective July 1. L. 2021: IP(1) amended,(SB 21-271), ch. 462, p. 3133, § 55, effective March 1, 2022.    Editor's note:    This section is similar to former § 5-5-302, as it existed prior to 2000.    Section 803(2) of chapter 462 (SB 21-271), Session Laws of Colorado 2021, provides that the act changing this section applies to offenses committed on or after March 1, 2022.
CO Code § 5-6-101 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 1 - Powers and Functions of Administrator|§ 5-6-101. Short Title

 This article shall be known and may be cited as “Uniform Consumer Credit Code - Administration”.   History. Source: L. 2000: Entire article R&RE, p. 1244, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-101 , as it existed prior to 2000.   ANNOTATION   Law reviews. For article, “Legislative Overview of the Uniform Consumer Credit Code: A 1971 Perspective”, see 48 Den. L.J. 27 (1971).
CO Code § 5-6-102 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 1 - Powers and Functions of Administrator|§ 5-6-102. Applicability

  This part 1 applies to persons who in this state:   Make or solicit consumer credit transactions; or    Directly collect payments from or enforce rights against consumers arising from sales, leases, or loans specified in paragraph (a) of this subsection (1) wherever they are made.        History. Source: L. 2000: Entire article R&RE, p. 1244, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-102 , as it existed prior to 2000.
CO Code § 5-6-103 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 1 - Powers and Functions of Administrator|§ 5-6-103. Definitions - “Administrator”

 “Administrator” means the assistant attorney general to be designated by the attorney general. Any district attorney may, with the consent of the administrator, exercise the powers and perform the duties of the administrator as provided in section 5-6-104 (1)(a) and (1)(b) and sections 5-6-105 to 5-6-116 .   History. Source: L. 2000: Entire article R&RE, p. 1245, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-103 , as it existed prior to 2000.
CO Code § 5-6-105 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 1 - Powers and Functions of Administrator|§ 5-6-105. Administrative Powers With Respect to Supervised Financial Organizations

  With respect to supervised financial organizations, the powers of examination and investigation described in sections 5-2-305 and 5-6-106 and administrative enforcement described in section 5-6-108 shall be exercised by the official or agency to whose supervision the organization is subject. All other powers of the administrator under this code may be exercised by the administrator with respect to a supervised financial organization.    If the administrator receives a complaint or other information concerning noncompliance with this code by a supervised financial organization, the administrator shall inform the official or agency having supervisory authority over the organization concerned. The administrator may request information about supervised financial organizations from the officials or agencies supervising them.    The administrator and any official or agency of this state having supervisory authority over a supervised financial organization are authorized and directed to consult and assist one another in maintaining compliance with this code. They may jointly pursue investigations, prosecute suits, and take other official action, as they deem appropriate, if either of them otherwise is empowered to take the action. The administrator may recover from a supervised financial organization the administrator's reasonable costs incurred in such investigation, suit, or other official action as part of any relief granted the administrator by a court of competent jurisdiction.     History. Source: L. 2000: Entire article R&RE, p. 1246, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-105 , as it existed prior to 2000.
CO Code § 5-6-107 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 1 - Powers and Functions of Administrator|§ 5-6-107. Application of Administrative Procedures - Provisions

 Except as otherwise provided, the provisions of sections 24-4-102 to 24-4-106 , C.R.S., apply to and govern all rules promulgated and all administrative action taken by the administrator pursuant to this article or the provisions on supervised loans contained in part 3 of article 2 of this title; except that section 24-4-104 (3) , C.R.S., shall not apply to any such action.   History. Source: L. 2000: Entire article R&RE, p. 1247, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-107 , as it existed prior to 2000.
CO Code § 5-6-108 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 1 - Powers and Functions of Administrator|§ 5-6-108. Judicial Review

 Any person aggrieved by any final action or order of the administrator and affected thereby is entitled to a review thereof by the Colorado court of appeals by appropriate proceedings under section 24-4-106 (11) , C.R.S.   History. Source: L. 2000: Entire article R&RE, p. 1247, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-108 , as it existed prior to 2000.
CO Code § 5-6-109 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 1 - Powers and Functions of Administrator|§ 5-6-109. Administrative Enforcement Orders

  After notice and hearing, the administrator may order a creditor or a person acting in the creditor's behalf to cease and desist from engaging in violations of this code or any rule or order lawfully made pursuant to this code. The order issued by the administrator may also require the creditor or person to make refunds to consumers of excess charges under this code and pay a penalty up to a maximum of one thousand dollars for each violation, all or part of which may be specifically designated for consumer and creditor educational purposes.    A respondent aggrieved by an order of the administrator may obtain judicial review of the order in the Colorado court of appeals. The administrator may obtain an order of the court for enforcement of the administrator's order in the district court under section 24-4-106, C.R.S. All proceedings under this section shall be governed by sections 24-4-105 and 24-4-106, C.R.S.    With respect to unconscionable agreements or fraudulent or unconscionable conduct by the respondent, the administrator may not issue an order pursuant to this section but may bring a civil action for an injunction under section 5-6-112.     History. Source: L. 2000: Entire article R&RE, p. 1248, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-108 , as it existed prior to 2000.
CO Code § 5-6-110 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 1 - Powers and Functions of Administrator|§ 5-6-110. Assurance of Discontinuance

 If it is claimed that a person has engaged in conduct subject to an order by the administrator described in section 5-6-108 or by a court described in sections 5-6-111 to 5-6-113 , the administrator may accept an assurance in writing that the person will not engage in the conduct in the future. The assurance may also require the person to make refunds to consumers of excess charges under this code, pay a penalty up to a maximum of one thousand dollars for each violation, all or part of which may be specifically designated for consumer and creditor educational purposes, and reimburse the administrator for the administrator's reasonable costs incurred in investigating the conduct. If a person giving an assurance of discontinuance fails to comply with its terms, the assurance is evidence that prior to the assurance such person engaged in the conduct described in the assurance.   History. Source: L. 2000: Entire article R&RE, p. 1248, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-109 , as it existed prior to 2000.
CO Code § 5-6-111 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 6 - Administration|Part 1 - Powers and Functions of Administrator|§ 5-6-111. Injunctions Against Violations of Code

 The administrator may bring a civil action to restrain a person from violating this code or rules or regulations promulgated thereunder and for other appropriate relief.   History. Source: L. 2000: Entire article R&RE, p. 1248, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-6-110 , as it existed prior to 2000.   Cross references:   For injunctions, see C.R.C.P. 65.