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Uniform Consumer Credit Code

The Colorado Uniform Consumer Credit Code is a state law that regulates the terms and conditions of consumer credit in the State of Colorado. It sets maximum rates and charges for some fees, requires disclosure of the cost of credit so consumers may shop for the best rates, and provides remedies for consumers on default. The UCCC does not apply to first mortgage residential acquisition and refinance loans except for its sections on disclosure of the cost of credit, some debtor's remedies, and administrative powers. Most other consumer transactions such as automobile loans, second mortgages, credit cards, and signature loans are subject to the UCCC. The UCCC may not apply to creditors located outside the State of Colorado depending on the creditor and the manner in which the loan was made.

The Colorado Attorney General's Office, through the Administrator of the Uniform Consumer Credit Code, investigates complaints about lenders and creditors, licenses non-bank lenders such as finance companies and deferred deposit lenders, and takes appropriate disciplinary or legal action when a creditor has violated the law. This office cannot give legal advice nor can we represent individual consumers in actions against creditors. Consumers may bring legal action against creditors under the UCCC.

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