reglab/housing_qa huggingface dataset:
CO Code § 5-17-112 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 17 - Colorado Child Support Collection - Consumer Protection Act|§ 5-17-112. Statute of Limitations

  An action to enforce any liability under this article 17 may be brought before the later of:   The end of the five-year period beginning on the date of the occurrence of the violation involved; or    In a case in which a collector willfully misrepresents any information that the collector is required by any provision of this article 17 to disclose to an obligee and the misrepresentation is material to the establishment of the liability of the collector to the obligee under this article 17, five years after the date the obligee discovers the misrepresentation.        History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1113, § 2, effective August 9.    Editor's note:   This section is similar to former § 12-14.1-112 as it existed prior to 2017.
CO Code § 5-17-113 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 17 - Colorado Child Support Collection - Consumer Protection Act|§ 5-17-113. Notice - Rules

  The administrator shall promulgate rules related to the notice required to be provided to the obligee in section 5-17-106 (2) and the accounting required to be provided in section 5-17-107.    The notice required by section 5-17-106 (2) shall, at a minimum, address the following:   The option that child support collection services are offered at minimal or no cost through government child support collection services in every county in Colorado and in every state;    A statement that the collector cannot require a government child support collection service to send payments to any person but the obligee;    A statement that the collector will not provide legal advice or act as legal counsel for the obligee;    A statement related to the rights the obligee has pursuant to this article 17; and    A statement that the obligee may have the private child support enforcement service contract reviewed by an attorney.        History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1113, § 2, effective August 9.    Editor's note:   This section is similar to former § 12-14.1-113 as it existed prior to 2017.
CO Code § 5-18-101 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 18 - Colorado Consumer Credit Reporting Act|§ 5-18-101. Short Title

 The short title of this article 18 is the “Colorado Consumer Credit Reporting Act”.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1114, § 3, effective August 9.    Editor's note:   This section is similar to former § 12-14.3-101 as it existed prior to 2017.   ANNOTATION   Law reviews. For article, “New Limitations and Requirements in Reviewing Applicants' and Employees' Credit Records”, see 27 Colo. Law. 95 (July 1998).
CO Code § 5-18-102 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 18 - Colorado Consumer Credit Reporting Act|§ 5-18-102. Legislative Declaration

 The general assembly finds and declares that the use of consumer reporting agencies is increasing rapidly as consumer credit transactions become the rule rather than the exception in every-day consumer purchasing. Consumer credit reports by consumer reporting agencies may report on a consumer's credit worthiness, credit standing, credit capacity, debts, character, general reputation, personal characteristics, or mode of living as factors to establish a consumer's eligibility for credit insurance or employment. When a consumer reporting agency undertakes a business that has the potential to profoundly affect an individual consumer's life, whether for good or ill, it is incumbent upon such agencies to ensure that the information they are providing is accurate. Inaccurate consumer credit reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence in the banking system. There is a need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer's rights. The general assembly further finds and declares that, in the event the information provided by a consumer reporting agency in a consumer credit report is inaccurate, the consumer has the right to have that information corrected in a swift and uncomplicated way.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1114, § 3, effective August 9.    Editor's note:   This section is similar to former § 12-14.3-101.5 as it existed prior to 2017.
CO Code § 5-18-105 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 18 - Colorado Consumer Credit Reporting Act|§ 5-18-105. Consumer Reports - Accuracy of Information

 Whenever a consumer reporting agency prepares a consumer report, the agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer about whom the report relates, including the use of the consumer's social security number if, in accordance with section 5-18-104 (1)(c)(I) , the consumer's social security number is provided to the consumer reporting agency by a person intending to use the information contained in a consumer report in connection with a credit transaction involving the consumer and the social security number was initially provided to the user by the consumer in connection with that transaction.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1117, § 3, effective August 9.    Editor's note:   This section is similar to former § 12-14.3-103.5 as it existed prior to 2017.   ANNOTATION   Applied in Wright v. Experian Info. Solutions, Inc., 805 F.3d 1232 (10th Cir. 2015) (decided under former § 12-14.5-103.5 ).
CO Code § 5-18-108 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 18 - Colorado Consumer Credit Reporting Act|§ 5-18-108. Charges for Certain Disclosures

  A consumer reporting agency shall not impose a charge for:   A request for a copy of the consumer's file made within sixty days after adverse action is taken; or    Notifying any person designated by the consumer, pursuant to the applicable provisions of the federal “Fair Credit Reporting Act”, 15 U.S.C. sec. 1681i, as amended, of the deletion of information that is found to be inaccurate or that can no longer be verified; or    A set of instructions for understanding the information presented on the consumer report and a toll free telephone number that consumers may utilize to obtain additional assistance concerning the consumer report; or    The first copy of a consumer disclosure provided to a consumer each calendar year pursuant to section 5-18-106 (2)(a).       For all other disclosures to consumers of information pertaining to the consumer, the consumer reporting agency may impose a reasonable charge, not to exceed the retail price of a written report rendered in the normal course of business to the customers of the agency for each request for information.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1120, § 3, effective August 9. L. 2021: (1)(d) amended,(SB 21-266), ch. 423, p. 2794, § 1, effective July 2.    Editor's note:   This section is similar to former § 12-14.3-105 as it existed prior to 2017.
CO Code § 5-18-113.5 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 18 - Colorado Consumer Credit Reporting Act|§ 5-18-113.5. Notice of Rights Regarding Protected Consumers

 Whenever a consumer reporting agency is required to provide a summary of rights to a consumer under section 609 of the federal “Fair Credit Reporting Act”, 15 U.S.C. sec. 1681g, as amended, or under state law, the following notice must be included:   State Consumers Have the Right to Obtain a Security Freeze for Their Children or Legal Wards   You may obtain from a consumer reporting agency a credit report security freeze for your child who is under sixteen years of age or for your legal ward. If a consumer report has not yet been created for your child or legal ward, you may request that a consumer reporting agency create a consumer record for him or her and place a security freeze on his or her consumer record. You will not be charged to have a security freeze placed on your child's or legal ward's consumer report or to have a consumer record created for your child or legal ward and to have a security freeze placed on the consumer record. You will not be charged to have a security freeze placed on or removed from your child's or legal ward's credit report or record.   History. Source: L. 2018: Entire section added,(HB 18-1233), ch. 75, p. 654, § 3, effective January 1, 2019.
CO Code § 5-18-114 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 18 - Colorado Consumer Credit Reporting Act|§ 5-18-114. Security Freeze - Prohibition of Changing Official Information in Credit Report or Record

 If a security freeze is in place, a consumer reporting agency shall not change any of the following official information in a consumer report or record without sending a written notice of the change to the consumer or to a protected consumer's representative within thirty days after the change is posted to the consumer's or protected consumer's file: Name, date of birth, social security number, and address. Written notice is not required for technical modifications of a consumer's or protected consumer's official information, including name and street abbreviations, complete spellings, or transposition of numbers or letters. In the case of an address change, the consumer reporting agency shall send the written notice to both the new address and the former address.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1129, § 3, effective August 9. L. 2018: Entire section amended,(HB 18-1233), ch. 75, p. 655, § 4, effective January 1, 2019.    Editor's note:   This section is similar to former § 12-14.3-106.8 as it existed prior to 2017.
CO Code § 5-18-115 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 18 - Colorado Consumer Credit Reporting Act|§ 5-18-115. Security Freeze - Exemptions

     Except as specified in subsection (1)(b) of this section, sections 5-18-112 to 5-18-114 do not apply to a consumer reporting agency that:   Acts only as a reseller of credit information by assembling and merging information contained in the database of another consumer reporting agency or multiple consumer reporting agencies; and    Does not maintain a permanent database of credit information from which new consumer reports or records are produced.       A consumer reporting agency shall honor any security freeze placed on a consumer report or record by another consumer reporting agency.       The following entities are not required to place a security freeze in a consumer report or record:   A check service or company or fraud prevention service or company that issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar methods of payments;    A deposit account information service or company that issues reports regarding account closures due to fraud, substantial overdrafts, or automatic teller machine abuse or similar negative information regarding a consumer or protected consumer to inquiring banks or other financial institutions for use only in reviewing a consumer request for a deposit account at the inquiring bank or financial institution;    A fraud prevention service or company issuing reports to prevent or investigate fraud.        History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1129, § 3, effective August 9. L. 2018: (1), IP(2), and (2)(b) amended,(HB 18-1233), ch. 75, p. 655, § 5, effective January 1, 2019.    Editor's note:   This section is similar to former § 12-14.3-106.9 as it existed prior to 2017.
CO Code § 5-18-116 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 18 - Colorado Consumer Credit Reporting Act|§ 5-18-116. Consumer's Right to File Action in Court or Arbitrate Disputes

  A consumer, protected consumer, or protected consumer's representative may bring an action to enforce any obligation a consumer reporting agency has to a consumer, protected consumer, or protected consumer's representative under this article 18 in any court of competent jurisdiction as provided by the federal “Fair Credit Reporting Act”, 15 U.S.C. sec. 1681 et seq., as amended, or submit an enforcement action to binding arbitration, in the manner set forth in the rules of the American Arbitration Association, to determine whether the consumer reporting agency met its obligations under this article 18 after the consumer, protected consumer, or protected consumer's representative has followed, as applicable:   All dispute procedures in section 5-18-110 and has received the notice specified in section 5-18-110 (6);    All of the block procedures in section 5-18-111; or    All of the freeze procedures in section 5-18-112 or 5-18-112.5.       An arbitrator's decision pursuant to this section does not affect the validity of any obligations or debts owed to any party. A successful party to any arbitration proceeding shall be compensated for the costs and attorney fees of the proceeding as determined by the court or arbitration. A consumer, protected consumer, or protected consumer's representative shall not submit more than one action to arbitration against any consumer reporting agency during any one-hundred-twenty-day period.    The results of an arbitration action brought against a consumer reporting agency doing business in this state shall be communicated in a timely manner with all other consumer reporting agencies doing business in this state. If, as a result of an arbitration, a determination is made in favor of the consumer, protected consumer, or protected consumer's representative, any adverse information in the consumer's or protected consumer's file, report, or record shall be blocked, removed, or stricken in a timely manner, or the consumer report or record shall be frozen within five days after receipt of the determination by the consumer reporting agency. If the adverse information is not blocked, removed, or stricken, or the file is not frozen, the consumer, protected consumer, or protected consumer's representative may bring an action against the noncomplying agency pursuant to this section notwithstanding the one-hundred-twenty-day waiting period.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1130, § 3, effective August 9. L. 2018: Entire section amended,(HB 18-1233), ch. 75, p. 656, § 6, effective January 1, 2019.    Editor's note:   This section is similar to former § 12-14.3-107 as it existed prior to 2017.
CO Code § 5-18-118 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 18 - Colorado Consumer Credit Reporting Act|§ 5-18-118. Provisions of Article Cumulative

 The provisions of this article 18 are cumulative, and any action taken under the provisions of this article 18 shall not constitute an election to take any such action to the exclusion of any other action authorized by law; except that a credit reporting agency shall not be subject to suit with respect to any issue that was the subject of an arbitration proceeding brought pursuant to section 5-18-116 .   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1131, § 3, effective August 9.    Editor's note:   This section is similar to former § 12-14.3-109 as it existed prior to 2017.
CO Code § 5-21-101 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 21 - Colorado Nonbank Mortgage Servicers Act (Effective January 1, 2022)|§ 5-21-101. Short Title

 [ ] The short title of this article 21 is the “Colorado Nonbank Mortgage Servicers Act”.  Editor's note: This section is effective January 1, 2022.  History. Source: L. 2021: Entire article added, (HB 21-1282), ch. 482, p. 3436, § 1, effective January 1, 2022.
CO Code § 5-21-102 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 21 - Colorado Nonbank Mortgage Servicers Act (Effective January 1, 2022)|§ 5-21-102. Scope of Article

 [ ] Unless otherwise provided in this article 21, this article 21 applies to any person engaged in servicing a residential mortgage loan secured by a dwelling or residential real property located in this state.  Editor's note: This section is effective January 1, 2022.  History. Source: L. 2021: Entire article added, (HB 21-1282), ch. 482, p. 3436, § 1, effective January 1, 2022.
CO Code § 5-21-104 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 21 - Colorado Nonbank Mortgage Servicers Act (Effective January 1, 2022)|§ 5-21-104. Notification Required

 [ ] On and after January 31, 2022, a person shall not act as a mortgage servicer, directly or indirectly, without notifying the administrator pursuant to section 5-21-105 .  Editor's note: This section is effective January 1, 2022.  History. Source: L. 2021: Entire article added, (HB 21-1282), ch. 482 p. 3438, § 1, effective January 1, 2022.
CO Code § 5-21-105 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 21 - Colorado Nonbank Mortgage Servicers Act (Effective January 1, 2022)|§ 5-21-105. Notification by Mortgage Servicers - Rules

  [ ]   Notification. A person acting as a mortgage servicer must notify the administrator and pay the fee prescribed in section 5-21-106 within thirty days after commencing servicing in the state, and, thereafter, on or before January 31 of each year. The notification must state the notifier's legal name and all trade names used, the address of the notifier's principal office, which may be outside this state, and such other information as the administrator may require.    With every renewal notification or at a date prescribed by rule by the administrator, each notifier shall submit an annual report relating to mortgage servicing by the notifier in the form prescribed by the administrator. Information contained in annual reports is confidential, is not subject to disclosure pursuant to part 2 of article 72 of title 24, and may be published only in composite form.       Records retention - records request.   A mortgage servicer shall maintain adequate records for not less than four years following the final payment on the residential mortgage loan, transfer of the mortgage servicing rights, or the assignment of the loan, whichever occurs first. Upon request by the administrator, a mortgage servicer shall make the records available or shall send the records to the administrator by registered or certified mail, return receipt requested, or by any express delivery carrier that provides a dated delivery receipt, not later than thirty business days after requested by the administrator or other method of delivery as agreed to in writing by the administrator, including secure electronic transmission. Upon a notifier's request, the administrator may grant the notifier additional time to make the records available or to send the records to the administrator.    Every mortgage servicer shall maintain records in conformity with this article 21, rules adopted pursuant to this article 21, and generally accepted accounting principles and practices in a manner that will enable the administrator to determine whether the servicer is complying with this article 21. A mortgage servicer's record-keeping system is sufficient if the servicer makes the required information reasonably available. The records need not be kept in the place of business where mortgage loans are serviced if the administrator is given free access to the records wherever located.       Editor's note: This section is effective January 1, 2022.  History. Source: L. 2021: Entire article added,(HB 21-1282), ch. 482, p. 3438, § 1, effective January 1, 2022.
CO Code § 5-21-106 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 21 - Colorado Nonbank Mortgage Servicers Act (Effective January 1, 2022)|§ 5-21-106. Fees

  [ ] A notifier shall pay the following nonrefundable fees established by the administrator pursuant to subsection (3) of this section:   An initial notification fee; and    An annual notification fee.       The administrator shall transmit the fees to the state treasurer, who shall credit them to the uniform consumer credit code cash fund created in section 5-6-204 (1).    The administrator shall set the fees required by subsection (1) of this section in an amount estimated to cover the administrator's costs in implementing this article 21 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) to reduce the uncommitted reserves of the uniform consumer credit code cash fund.    Editor's note: This section is effective January 1, 2022.  History. Source: L. 2021: Entire article added, (HB 21-1282), ch. 482, p. 3439, § 1, effective January 1, 2022.
CO Code § 5-21-107 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 21 - Colorado Nonbank Mortgage Servicers Act (Effective January 1, 2022)|§ 5-21-107. Federal Laws

  [ ] A mortgage servicer shall comply with all federal laws and regulations applicable to mortgage servicers for their mortgage servicing activities, including:   The federal “Real Estate Settlement Procedures Act of 1974”, 12 U.S.C. sec. 2601 et seq., as amended; and    The “Truth in Lending Act”, 15 U.S.C. sec. 1601 et seq., as amended.       In addition to any other remedies provided by law, a violation of any federal law or regulation that is covered by subsection (1) of this section shall be deemed a violation of this article 21.    All financial responsibility requirements of this article 21 shall be presumed to be met if a mortgage servicer is currently approved to service loans by the Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, or Government National Mortgage Association or if it meets prudential standards established by the Conference of State Bank Supervisors.    Editor's note: This section is effective January 1, 2022.  History. Source: L. 2021: Entire article added, (HB 21-1282), ch. 482, p. 3439, § 1, effective January 1, 2022.
CO Code § 5-21-109 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 21 - Colorado Nonbank Mortgage Servicers Act (Effective January 1, 2022)|§ 5-21-109. Application of Administrative Procedures

 [ ] Except as otherwise provided in this article 21, sections 24-4-102 to 24-4-106 apply to and govern all rules promulgated and all administrative action taken by the administrator pursuant to this article 21; except that section 24-4-104 (3) does not apply to any such action.  Editor's note: This section is effective January 1, 2022.  History. Source: L. 2021: Entire article added, (HB 21-1282), ch. 482, p. 3441, § 1, effective January 1, 2022.