Collection Agency Regulation

The Colorado Fair Debt Collection Practices Act is a state law that governs the actions of debt collectors and collection agencies. It provides consumers with certain rights and restricts the practices collection agencies may use to attempt to collect debts. For example, the law prohibits collection agencies from using harassment, misleading, and unfair practices. The law prohibits unnecessary disclosure of the debt to parties not obligated to pay the debt. The law does not apply to creditors collecting their own debts.

The Colorado Attorney General's Office, through the Administrator of the Colorado Fair Debt Collection Practices Act, investigates complaints about collection agencies and takes appropriate disciplinary or legal action when a collection agency has violated the law. This office cannot give legal advice nor can we represent individual consumers in actions against collection agencies. Consumers may bring legal action against collection agencies under the Colorado Fair Debt Collection Practices Act.

OCP Logo

Operation Collection Protection "OCP" is a collaborative effort led by the FTC and involving 73 participating agencies, including the Colorado Attorney General.  This coalition of federal, state and local enforcement, and regulatory organizations is jointly announcing actions taken against illegal debt collection operations since the beginning of 2015.  These actions include civil filings in court, administrative actions, and cease and desist orders.  Click here to read the press release.

List of Colorado Actions


State & Local Actions
Federal Actions
Participating Agencies

FTC Debt Collection Infographic (en Español)

FTC Press Release


General Information:


Information for Consumers:


Information for Licensed Collection Agencies & Debt Collectors:


Information for Collection Agencies & Debt Collectors Seeking Licensure