reglab/housing_qa huggingface dataset:
CO Code § 5-19-204 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-204. Registration Required

  Except as otherwise provided in subsection (b) of this section, on or after July 1, 2008, a provider may not provide debt-management services to an individual who it reasonably should know resides in this state at the time it agrees to provide the services, unless the provider is registered under this part 2.    If a provider is registered under this part 2, subsection (a) of this section does not apply to an employee or agent of the provider.    The administrator shall maintain and publicize a list of the names of all registered providers.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1141, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-204 as it existed prior to 2017.   ANNOTATION   Annotator's note. Since § 5-19-204 is similar to former § 12-14.5-204 , a relevant case construing that provision has been included in the annotations to this section.   The Uniform Debt-Management Services Act, enacted to protect consumers, is remedial in nature and, therefore, its exemptions from regulation should be applied narrowly. To fall within the nonlawyer assistant component of the legal services exemption to regulation under the Act, a person must at a minimum work for an attorney and under the attorney's supervision. Coffman v. Williamson, 2015 CO 35, 348 P.3d 929.
CO Code § 5-19-205 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-205. Application for Registration - Form, Fee, and Accompanying Documents

  An application for registration as a provider shall be in a form prescribed by the administrator.    An application for registration as a provider shall be accompanied by:   The fee established by the administrator. The administrator shall transmit the fee to the state treasurer, who shall deposit it in the uniform consumer credit code cash fund, created in section 5-6-204 (1).    The bond required by section 5-19-213;    Identification of all trust accounts required by section 5-19-222 and an irrevocable consent authorizing the administrator to review and examine the trust accounts;    Proof of compliance with the requirements of title 7 that specify the prerequisites for an entity to do business in this state; and    If the applicant is organized as a not-for-profit entity or is exempt from taxation, evidence of not-for-profit and tax-exempt status applicable to the applicant under the federal “Internal Revenue Code of 1986”, 26 U.S.C. sec. 501, as amended.        History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1141, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-205 as it existed prior to 2017.
CO Code § 5-19-206.5 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-206.5. Name-Based Criminal History Record Check

 When the results of a fingerprint-based criminal history record check of an officer of the applicant or employee or agent of the applicant performed pursuant to section 5-19-206 (12) reveal a record of arrest without a disposition, the administrator shall require that person to submit to a name-based criminal history record check, as defined in section 22-2-119.3 (6)(d) .   History. Source: L. 2019: Entire section added, (HB 19-1166), ch. 125, p. 537, § 1, effective April 18.
CO Code § 5-19-207 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-207. Application for Registration - Obligation to Update Information

 An applicant or registered provider shall notify the administrator within fifteen days after a change in the information specified in section 5-19-205 (b)(5) or section 5-19-206 (1) , (3), (6), (10), or (11).   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1144, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-207 as it existed prior to 2017.
CO Code § 5-19-208 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-208. Application for Registration - Public Information

 Except for the information required by section 5-19-206 (7) , (9), (12), (13), and (15), and the addresses required by section 5-19-206 (4) , the administrator shall make the information in an application for registration as a provider available to the public.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1144, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-208 as it existed prior to 2017.
CO Code § 5-19-209 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-209. Certificate of Registration - Issuance or Denial

  Except as otherwise provided in subsections (b) and (c) of this section, the administrator shall issue a certificate of registration as a provider to a person that complies with sections 5-19-205 and 5-19-206.    The administrator may deny registration if:   The application contains information that is materially erroneous or incomplete;    An officer, director, or owner of the applicant has been convicted of a crime, or suffered a civil judgment, involving dishonesty or the violation of state or federal securities laws;    The applicant or any of its officers, directors, or owners has defaulted in the payment of money collected for others; or    The administrator, upon reasonable belief, finds that the financial responsibility, experience, character, or general fitness of the applicant or its owners, directors, employees, or agents does not warrant belief that the business will be operated in compliance with this part 2.       The administrator shall deny registration if:   The application is not accompanied by the fee established by the administrator; or    With respect to an applicant that is organized as a not-for-profit entity or has obtained tax-exempt status under the federal “Internal Revenue Code of 1986”, 26 U.S.C. sec. 501, as amended, the applicant's board of directors is not independent of the applicant's employees and agents.       A board of directors is not independent for purposes of subsection (c) of this section if more than one-fourth of its members:   Are affiliates of the applicant, as defined in section 5-19-202 (2)(A), (2)(B)(i), (2)(B)(ii), (2)(B)(iv), (2)(B)(v), (2)(B)(vi), or (2)(B)(vii); or    After the date ten years before first becoming a director of the applicant, were employed by or directors of a person that received from the applicant more than twenty-five thousand dollars in either the current year or the preceding year.       The administrator may temporarily approve a certificate of registration in the event an applicant has made a timely effort to obtain a criminal records check as required in section 5-19-206 (12), but for which a timely return of information has not occurred, for a reasonable period of time but no longer than one hundred twenty days, provided that the applicant has provided all other required information in the application for registration and the administrator finds no reason to believe from the information that has been provided that the applicant may not provide fair and honest services to debtors under this part 2.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1144, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-209 as it existed prior to 2017.
CO Code § 5-19-210 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-210. Certificate of Registration - Timing

  The administrator shall approve or deny an initial registration as a provider within ninety days after an application is filed. In connection with a request pursuant to section 5-19-206 (17) for additional information, the administrator may extend the ninety-day period for not more than thirty days. Within seven days after denying an application, the administrator, in a record, shall inform the applicant of the reasons for the denial.    If the administrator denies an application for registration as a provider or does not act on an application within the time prescribed in subsection (a) of this section, the applicant may appeal and request a hearing pursuant to article 4 of title 24.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1145, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-210 as it existed prior to 2017.
CO Code § 5-19-212 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-212. Registration in Another State

 If a provider holds a license or certificate of registration in another state authorizing it to provide debt-management services, the provider may submit a copy of that license or certificate and the application for it instead of an application in the form prescribed by section 5-19-205 (a), 5-19-206 , or 5-19-211 (b). The administrator shall accept the application and the license or certificate from the other state as an application for registration as a provider or for renewal of registration as a provider, as appropriate, in this state if:    The application in the other state contains information substantially similar to, or more comprehensive than, that required in an application submitted in this state;    The applicant provides the information required by section 5-19-206 (1), (3), (8), (10), and (11);    The applicant, under penalty of false statement, certifies that the information contained in the application is current or, to the extent it is not current, supplements the application to make the information current; and    The application is accompanied by the items required in section 5-19-205 (b).     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1146, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-212 as it existed prior to 2017.
CO Code § 5-19-214 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-214. Bond Required - Substitute

  Instead of the surety bond required by section 5-19-213, a provider may deliver to the administrator, in the amount required by section 5-19-213 (b), and, except as otherwise provided in subsection (a)(1) of this section, payable or available to this state and to individuals who reside in this state when they agree to receive debt-management services from the provider, as their interests may appear, if the provider or its agent does not comply with this part 2:   With the approval of the administrator, an irrevocable letter of credit, issued or confirmed by a bank approved by the administrator, payable upon presentation of a certificate by the administrator stating that the provider or its agent has not complied with this part 2.       If a provider furnishes a substitute pursuant to subsection (a) of this section, the provisions of section 5-19-213 (a), (c), (d), and (e) apply to the substitute.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1148, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-214 as it existed prior to 2017.
CO Code § 5-19-215 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-215. Good Faith Requirement

 A provider shall act in good faith in all matters under this part 2.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1149, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-215 as it existed prior to 2017.
CO Code § 5-19-216 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-216. Customer Service

 A provider required to be registered under this part 2 shall maintain a toll-free communication system, staffed at a level that reasonably permits an individual to speak to a counselor, debt specialist, or customer-service representative, as appropriate, during ordinary business hours.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1149, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-216 as it existed prior to 2017.
CO Code § 5-19-220 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-220. Cancellation of Agreement - Waiver

  An individual may cancel an agreement before midnight of the third business day after the individual assents to it, unless the agreement does not comply with subsection (b) of this section or section 5-19-219 or 5-19-228, in which event the individual may cancel the agreement within thirty days after the individual assents to it. To exercise the right to cancel, the individual shall give notice in a record to the provider. Notice by mail is given when mailed.    An agreement shall be accompanied by a separate form that contains in bold-faced type, surrounded by bold black lines:    If a personal financial emergency necessitates the disbursement of an individual's money to one or more of the individual's creditors before the expiration of three days after an agreement is signed, an individual may waive the right to cancel. To waive the right, the individual shall send or deliver a signed, dated statement in the individual's own words describing the circumstances that necessitate a waiver. The waiver shall explicitly waive the right to cancel. A waiver by means of a standard form record is void.      Notice of Right to Cancel You may cancel this agreement, without any penalty or obligation, at any time before midnight of the third business day that begins the day after you agree to it by electronic communication or by signing it. To cancel this agreement during this period, send an e-mail to or mail or deliver a signed, dated copy of this notice, or any other written notice to at before midnight on . (E-mail address of provider) (Name of provider) (Address of provider) (Date) If you cancel this agreement within the 3-day period, we will refund all money you already have paid us. I cancel this agreement, Print your name Signature Date   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1156, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-220 as it existed prior to 2017.
CO Code § 5-19-221 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-221. Required Language

 Unless the administrator, by rule, provides otherwise, the disclosures and documents required by this part 2 shall be in English. If a provider communicates with an individual primarily in a language other than English, the provider shall furnish a translation into the other language of the disclosures and documents required by this part 2.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1157, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-221 as it existed prior to 2017.
CO Code § 5-19-224 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-224. Voluntary Contributions

 A provider may not solicit a voluntary contribution from an individual or an affiliate of the individual for any service provided to the individual. A provider may accept voluntary contributions from an individual but, until thirty days after completion or termination of a plan, the aggregate amount of money received from or on behalf of the individual may not exceed the total amount the provider may charge the individual under section 5-19-223 .   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1160, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-224 as it existed prior to 2017.
CO Code § 5-19-225 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-225. Voidable Agreements

  If a provider imposes a fee or other charge or receives money or other payments not authorized by section 5-19-223 or 5-19-224, the individual may void the agreement and recover as provided in section 5-19-235.    If a provider is not registered as required by this part 2 when an individual assents to an agreement, the agreement is voidable by the individual.    If an individual voids an agreement under subsection (b) of this section, the provider does not have a claim against the individual for breach of contract or for restitution.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1160, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-225 as it existed prior to 2017.
CO Code § 5-19-226 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-226. Termination of Agreements

  If an individual who has entered into an agreement fails for sixty days to make payments required by the agreement, a provider may terminate the agreement.    If a provider or an individual terminates an agreement, the provider shall immediately return to the individual any money of the individual held in trust for the benefit of the individual.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1160, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-226 as it existed prior to 2017.
CO Code § 5-19-227 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-227. Periodic Reports - Retention of Records

  A provider shall provide the accounting required by subsection (b) of this section:   Upon cancellation or termination of an agreement; and    Before cancellation or termination of any agreement:   At least once each month; and    Within five business days after a request by an individual, but the provider need not comply with more than one request from an individual in any calendar month.          A provider, in a record, shall provide each individual for whom it has established a plan an accounting of the following information:   The amount of money received from the individual since the last report;    The amounts and dates of disbursement made on the individual's behalf, or by the individual upon the direction of the provider, since the last report to each creditor listed in the plan;    The amounts deducted from the amount received from the individual;    The amount held in reserve; and    If, since the last report, a creditor has agreed to accept as payment in full an amount less than the principal amount of the debt owed by the individual:   The total amount and terms of the settlement;    The amount of the debt when the individual assented to the plan;    The amount of the debt when the creditor agreed to the settlement; and    The calculation of a settlement fee.          A provider shall maintain records for each individual for whom it provides debt-management services for five years after the final payment made by the individual and produce a copy of them to the individual within a reasonable time after a request for them. The provider may use electronic or other means of storage of the records.     History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1161, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-227 as it existed prior to 2017.
CO Code § 5-19-229 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-229. Notice of Litigation

 No later than thirty days after a provider has been served with notice of a civil action for violation of this part 2 by or on behalf of an individual who resides in this state at either the time of an agreement or the time the notice is served, the provider shall notify the administrator in a record that it has been sued.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1164, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-229 as it existed prior to 2017.
CO Code § 5-19-230 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-230. Advertising

 A provider that advertises debt-management services shall disclose, in an easily comprehensible manner, the information specified in section 5-19-217 (d)(3) and (d)(4).   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1164, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-230 as it existed prior to 2017.
CO Code § 5-19-231 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 19 - Debt-Management Services|Part 2 - Uniform Debt-Management Services Act|§ 5-19-231. Liability for the Conduct of Other Persons

 If a provider delegates any of its duties or obligations under an agreement or this part 2 to another person, including an independent contractor, the provider is liable for conduct of the person that, if done by the provider, would violate the agreement or this part 2.   History. Source: L. 2017: Entire article added with relocations,(HB 17-1238), ch. 260, p. 1164, § 4, effective August 9.    Editor's note:   This section is similar to former § 12-14.5-231 as it existed prior to 2017.