reglab/housing_qa huggingface dataset:
CO Code § 5-2-310 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 2 - Finance Charges and Related Provisions|Part 3 - Supervised Loans and Supervised Lenders|§ 5-2-310. Application of Other Provisions

 Except as otherwise provided, all provisions of this code applying to consumer loans apply to supervised loans.   History. Source: L. 2000: Entire article R&RE, p. 1213, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-3-513 , as it existed prior to 2000.
CO Code § 5-2-501 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 2 - Finance Charges and Related Provisions|Part 5 - Other Credit Transactions|§ 5-2-501. Transactions Subject to Code by Agreement of Parties

 The parties to a transaction other than a consumer credit transaction may agree in a writing signed by the parties that the transaction is subject to the provisions of this code. If the parties so agree, the transaction is a consumer credit transaction for the purposes of this code.   History. Source: L. 2000: Entire article R&RE, p. 1213, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-3-601 , as it existed prior to 2000.
CO Code § 5-2-502 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 2 - Finance Charges and Related Provisions|Part 5 - Other Credit Transactions|§ 5-2-502. Finance Charge for Other Transactions

 With respect to a transaction that is specifically exempt from the rate ceilings of this code by the provisions of section 5-1-301 (15)(c) , the parties may contract for the payment by the consumer of any finance charge up to a rate not to exceed an annual percentage rate of forty-five percent pursuant to section 18-15-104 , C.R.S. The rate of the finance charge shall be calculated on the unpaid balances of the debt on the assumption that the debt will be paid according to its terms and will not be paid before the end of the agreed term.   History. Source: L. 2000: Entire article R&RE, p. 1214, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-3-605 , as it existed prior to 2000.   ANNOTATION   Law reviews. For article, “The Colorado Equity Protection Act: A Response to Predatory Lending Practices”, see 32 Colo. Law. 79 (April 2003).
CO Code § 5-3-101 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 1 - Disclosures, Notices, Records, and Advertising|§ 5-3-101. Applicability - Information Required

  For purposes of this section, a consumer credit transaction includes a transaction secured primarily by an interest in land without regard to the rate of the finance charge if the consumer credit transaction is otherwise a consumer credit transaction.    The creditor shall disclose to the consumer to whom credit is extended with respect to a consumer credit transaction the information, disclosures, and notices required by the federal “Truth in Lending Act”, the federal “Consumer Leasing Act”, and any regulation thereunder.    The information, disclosures, and notices required by subsection (2) of this section must be provided if the transaction is a consumer credit transaction under this code even though the transaction is one of a class of credit transactions exempted from the federal “Truth in Lending Act”, the federal “Consumer Leasing Act”, and any regulation thereunder.     History. Source: L. 2000: Entire article R&RE, p. 1214, § 1, effective July 1. L. 2001: (1) amended, p. 28, § 4, effective March 9.    Editor's note:   This section is similar to former § 5-2-301 , as it existed prior to 2000.   Cross references:   For the definitions and federal statutory cites of the “Truth in Lending Act” and the “Consumer Leasing Act”, see § 5-1-302 .
CO Code § 5-3-102 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 1 - Disclosures, Notices, Records, and Advertising|§ 5-3-102. Notice of Assignment

 The consumer is authorized to pay the original creditor until the consumer receives notification of assignment of rights to payment pursuant to a consumer credit transaction and that payment is to be made to the assignee. A notification that does not reasonably identify the rights assigned is ineffective. If requested by the consumer, the assignee must seasonably furnish reasonable proof that the assignment has been made and unless the assignee does so the consumer may pay the original creditor.   History. Source: L. 2000: Entire article R&RE, p. 1214, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-3-406 , as it existed prior to 2000.
CO Code § 5-3-103 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 1 - Disclosures, Notices, Records, and Advertising|§ 5-3-103. Change in Terms of Revolving Credit Accounts

  If a creditor makes a change in the terms of a revolving account without complying with this section, any additional cost or charge to the consumer resulting from the change is an excess charge and subject to the remedies available to consumers described in section 5-5-202 and to the administrator described in section 5-6-114.      Except as otherwise provided in paragraph (b) or (c) of this subsection (2), whenever any term of a revolving credit account is changed or the required minimum periodic payment thereon is increased, the creditor shall mail or deliver written notice of the change, at least one billing cycle before the effective date of the change, to each consumer who may be affected by the change.    The notice required by paragraph (a) of this subsection (2) shall be given in advance, but need not be given one billing cycle in advance, if the change has been agreed to by the consumer or if the change is an increase in a finance charge, periodic rate, or other charge permitted under section 5-2-202 as a result of the consumer's delinquency or default.    The notice otherwise required by paragraph (a) of this subsection (2) is not required if the change:   Results from the consumer's delinquency or default but is not of a kind listed in paragraph (b) of this subsection (2);    Results from an agreement related to a court proceeding or arbitration;    Is a reduction of any charge or component thereof; or    Is a suspension of future credit privileges or termination of a consumer credit transaction.          The notice provisions of subsection (2) of this section shall not apply if:   The consumer, after receiving notice in writing of the specific change, agrees in writing to the change;    The consumer elects to pay an amount designated on a billing statement as including a new charge for a benefit offered to the consumer when the benefit and charge constitutes the change in terms and when the billing statement also states the amount payable if the new charge is excluded;    The change involves no significant cost to the consumer; or    The agreement provides limitations on changing of terms that are more restrictive than the requirements of subsection (2) of this section.       The notice provided for in this section is given to the consumer when mailed to the consumer at the address used by the creditor for sending periodic billing statements.      History. Source: L. 2000: Entire article R&RE, p. 1214, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-2-416 , as it existed prior to 2000.
CO Code § 5-3-104 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 1 - Disclosures, Notices, Records, and Advertising|§ 5-3-104. Receipts - Statements of Account - Evidence of Payment

  The creditor shall deliver or mail to the consumer, without request, a written receipt for each payment by coin or currency on an obligation pursuant to a consumer credit transaction. A periodic statement showing a payment received by the creditor complies with this subsection (1).    Upon written request of a consumer, the creditor of a consumer credit transaction, other than one pursuant to a revolving credit account, shall provide a written statement of the dates and amounts of payments made within the twelve months preceding the month in which the request is received and the total amount unpaid as of the end of the period covered by the statement. The statement shall be provided without charge twice during each year of the term of the obligation. If additional statements are requested, the creditor may charge not more than ten dollars for each additional statement.    Within thirty days after a consumer has fulfilled all obligations with respect to a consumer credit transaction, other than one pursuant to a revolving credit account, the creditor shall deliver or mail to the consumer written evidence acknowledging payment in full of all obligations with respect to the transaction and written evidence of release of any security interest and termination of any financing statement held, retained, or acquired.     History. Source: L. 2000: Entire R&RE, p. 1216, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-5-110 , as it existed prior to 2000.
CO Code § 5-3-105 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 1 - Disclosures, Notices, Records, and Advertising|§ 5-3-105. Notice to Cosigners and Similar Parties

  No natural person, other than the spouse of the consumer, shall be obligated as a cosigner, comaker, guarantor, endorser, surety, or similar party with respect to a consumer credit transaction, unless before or contemporaneously with signing any agreement of obligation or any writing setting forth the terms of the consumer's agreement, the person receives a written notice that contains a completed identification of the debt he or she may have to pay and reasonably informs such person of his or her obligation with respect to it. Such written notice may be set forth in the consumer's agreement of obligation or in a separate writing. For purposes of this section, the word “cosigner”, “comaker”, “guarantor”, “endorser”, or “surety” means a natural person who, by agreement and without compensation, renders himself or herself liable for the obligation of another in a consumer credit transaction, and the terms “agreement” and “consumer's agreement” mean the original underlying agreement.    The notice required by this section must be clear and conspicuous notice and comply with the disclosure requirements of 16 CFR 444.3, 12 CFR 227.14, or 12 CFR 535.3.    The notice required by this section need not be given to a seller, lessor, or lender who is obligated to an assignee of his or her rights.    A person entitled to notice pursuant to this section shall also be given a copy of any writing setting forth the terms of the consumer's agreement and of any separate agreement of obligation signed by the person entitled to the notice.    A cosignor is entitled to a notice of right to cure pursuant to sections 5-5-110 (4) and 5-5-111 (3).     History. Source: L. 2000: Entire article R&RE, p. 1216, § 1, effective July 1.    Editor's note:    This section is similar to former § 5-5-109, as it existed prior to 2000.    Although this section was effective July 1, 2000, section 5 of chapter 265, Session Laws of Colorado 2000, provides that the disclosures described in subsection (5) are effective January 1, 2001.
CO Code § 5-3-107 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 1 - Disclosures, Notices, Records, and Advertising|§ 5-3-107. Disclosures for Consumer Credit Sale Secured by a Motor Vehicle

 If the property that secures a consumer credit sale includes a motor vehicle and the written agreement does not provide for automobile liability insurance, the following clause shall be in the written agreement in capital letters and bold-face type: “THIS CONTRACT DOES NOT PROVIDE FOR AUTOMOBILE LIABILITY INSURANCE, AND SAID BUYER ALSO STATES THAT HE OR SHE HAS/DOES NOT HAVE (strike words not applicable) IN EFFECT AN AUTOMOBILE LIABILITY POLICY AS DEFINED IN SECTION 42-7-103 (2) , COLORADO REVISED STATUTES, ON THE MOTOR VEHICLE SOLD BY THIS CONTRACT.”   History. Source: L. 2000: Entire article R&RE, p. 1217, § 1, effective July 1. L. 2009: Entire section amended, (SB 09-292), ch. 369, p. 1939, § 4, effective August 5.
CO Code § 5-3-108 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 1 - Disclosures, Notices, Records, and Advertising|§ 5-3-108. Written Agreement Required

 No consumer credit transaction shall be valid or enforceable in this state unless its terms are contained in a written agreement and a copy is provided to the consumer at or before the time credit is extended. A creditor may provide the copy to the consumer in a form other than paper upon the consumer's written authorization.   History. Source: L. 2000: Entire article R&RE, p. 1217, § 1, effective July 1.    ANNOTATION   Law reviews. For article, “Colorado Usury”, see 11 Colo. Law. 2557 (1982). For article, “Colorado Usury: The Sequel - Parts I and 2”, see 23 Colo. Law. 565 and 829 (1994).   Applied in D.E.B. Adjustment Co. v. Cawthorne, 623 P.2d 82 (Colo. App. 1981) (decided prior to 2000 repeal and reenactment).
CO Code § 5-3-109 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 1 - Disclosures, Notices, Records, and Advertising|§ 5-3-109. Records

 Every creditor shall maintain records in conformity with this code, rules adopted thereunder, and generally accepted accounting principles and practices in a manner that will establish that the creditor is complying with the provisions of this code. The record-keeping system of a creditor shall be sufficient if the creditor makes the required information reasonably available. The records pertaining to any credit transaction need not be preserved for more than four years after making the final entry relating to the transaction, but, in the case of a revolving credit account, the four years is measured from the date of each entry.   History. Source: L. 2000: Entire article R&RE, p. 1217, § 1, effective July 1.
CO Code § 5-3-110 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 1 - Disclosures, Notices, Records, and Advertising|§ 5-3-110. Advertising

  A creditor may not advertise, print, display, publish, distribute, broadcast, transmit or cause to be advertised, printed, displayed, published, distributed, broadcast, or transmitted in any manner any false, misleading, or deceptive statement or representation with regard to the rates, terms, or conditions of credit of a consumer credit transaction.    This section imposes no liability on the owner or personnel, as such, of any medium in which an advertisement appears or through which it is disseminated.    Advertising that complies with the federal “Truth in Lending Act” and the federal “Consumer Leasing Act” does not violate this section.     History. Source: L. 2000: Entire article R&RE, p. 1217, § 1, effective July 1.    Editor's note:   This section is similar to former §§ 5-2-312 and 5-2-313 , as they existed prior to 2000.   Cross references:   For the definitions and federal statutory cites of the “Truth in Lending Act” and the “Consumer Leasing Act”, see § 5-1-302 .
CO Code § 5-3-111 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 1 - Disclosures, Notices, Records, and Advertising|§ 5-3-111. Use of Credit Scores

 Any provision in a contract that prohibits the disclosure of a credit score by a consumer reporting agency or a person who makes or arranges loans secured by a dwelling is void. For the purposes of this section, “dwelling” means a residential structure that contains one to four units, whether or not that structure is attached to real property. The term includes an individual condominium unit, cooperative unit, mobile home, or trailer, if it is used as a residence.   History. Source: L. 2002: Entire section added, p. 648, § 4, effective July 1, 2003.
CO Code § 5-3-201 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 2 - Limitations on Agreements and Practices|§ 5-3-201. Security in Sales or Leases

  With respect to a consumer credit sale, a creditor may take a security interest in the property sold. In addition, a creditor may take a security interest in goods upon which services are performed or to which goods sold are annexed, or in land to which the goods are affixed or that is maintained, repaired, or improved as a result of the sale of the goods or services, if in the case of a security interest in land the debt secured is three thousand dollars or more, or in the case of a security interest in goods the debt secured is one thousand dollars or more. Except as provided with respect to cross-collateral described in section 5-3-202, a creditor may not otherwise take a security interest in property of the consumer to secure the debt arising from a consumer credit sale.    With respect to a consumer lease, a creditor may not take a security interest in property of the consumer to secure the debt arising from the lease. This subsection (2) does not apply to a security deposit for a consumer lease.    A security interest taken in violation of this section is void.     History. Source: L. 2000: Entire article R&RE, p. 1218, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-2-407 , as it existed prior to 2000.
CO Code § 5-3-202 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 2 - Limitations on Agreements and Practices|§ 5-3-202. Cross-Collateral

  In addition to contracting for a security interest pursuant to the provisions on security in sales or leases contained in section 5-3-201, a seller in a consumer credit sale may secure the debt arising from the sale by contracting for a security interest in other property if as a result of a prior sale the seller has an existing security interest in the other property. The seller may also contract for a security interest in the property sold in the subsequent sale as security for the previous debt.    If the seller contracts for a security interest in other property pursuant to this section, the rate of finance charge thereafter on the aggregate unpaid balances so secured may not exceed that permitted if the balances so secured were consolidated pursuant to the provisions on consolidation involving a refinancing contained in section 5-2-205 (1). The seller has a reasonable time after so contracting to make any adjustments required by this section. “Seller” in this section does not include an assignee not related to the original seller.     History. Source: L. 2000: Entire article R&RE, p. 1218, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-2-408 , as it existed prior to 2000.
CO Code § 5-3-203 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 2 - Limitations on Agreements and Practices|§ 5-3-203. Debt Secured by Cross-Collateral

  If debts arising from two or more consumer credit sales, other than sales pursuant to a revolving credit account, are secured by cross-collateral or consolidated into one debt payable on a single schedule of payments and the debt is secured by security interests taken with respect to one or more of the sales, payments received by the seller after the taking of the cross-collateral or the consolidation are deemed, for the purpose of determining the amount of the debt secured by the various security interests, to have been applied first to the payment of the debts arising from the sales first made. To the extent debts are paid according to this section, security interests in items of property terminate as the debts originally incurred with respect to each item are paid.    Payments received by the seller upon a revolving credit account are deemed, for the purpose of determining the amount of the debt secured by the various security interests, to have been applied first to the payment of finance charges in the order of their entry to the account and then to the payment of debts in the order in which the entries to the account showing the debts were made.    If the debts consolidated arose from two or more sales made on the same day, payments received by the seller are deemed, for the purpose of determining the amount of the debt secured by the various security interests, to have been applied first to the payment of the smallest debt.     History. Source: L. 2000: Entire article R&RE, p. 1219, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-2-409 , as it 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).
CO Code § 5-3-204 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 2 - Limitations on Agreements and Practices|§ 5-3-204. Restrictions on Interest in Land as Security

  With respect to a consumer loan in which the amount financed is three thousand dollars or less, a lender may not contract for an interest in land as security. A security interest taken in violation of this section is void.    For the purposes of this section, on revolving credit accounts, the amount financed shall be determined by the limit in the amount of credit made available to or for the account of the consumer if that limit is established by an express written agreement by the lender and if the lender does not retain the right to unilaterally reduce that credit limit, except in the event of default.     History. Source: L. 2000: Entire article R&RE, p. 1219, § 1, effective July 1.    Editor's note:   This section is similar to former § 5-3-510 , as it existed prior to 2000.   ANNOTATION   Law reviews. For article, “An Overview of Home Equity as Security for a Line of Credit”, see 14 Colo. Law. 226 (1985).
CO Code § 5-3-205 (2021)
2021 Colorado Code|Title 5 - Consumer Credit Code|Article 3 - Regulation of Agreements and Practices|Part 2 - Limitations on Agreements and Practices|§ 5-3-205. Use of Multiple Agreements

 A creditor may not use multiple agreements with respect to a single consumer credit transaction for the purpose of obtaining a higher finance charge than would otherwise be permitted by this code or to avoid disclosure of an annual percentage rate pursuant to the provisions on disclosure and advertising. Dividing a single consumer credit transaction between a husband and wife shall be presumed to be a violation of this section. The excess amount of finance charge provided for in agreements in violation of this section is an excess charge for the purposes of the provisions on the effect of violations on rights of parties contained in section 5-5-201 and the provisions on civil actions by the administrator contained in section 5-6-114 .   History. Source: L. 2000: Entire article R&RE, p. 1219, § 1, effective July 1.    Editor's note:   This section is similar to former §§ 5-2-402 and 5-3-409 , 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).