Note: Interpretations and opinions may not be applicable due to changes in the law or renumbering of statutes. Some outdated material may be available upon request.
Administrative Interpretations
| Date | Number | Title |
| August 31, 1994 |
1.202-9401 |
Pawnbrokers - Title Loans |
| June 23, 1992 |
3.104-9201 |
Post-Dated Checks - Payday Lenders |
| December 8, 1989 |
2.301 & 2.311-8901
|
Consumer Leases - Disclosures and Truth-in-Lending
|
| March 1, 1985 |
3.107-8501 |
"Required Compensating Balance"
|
| February 24, 1984 |
3.508-8401 |
Revolving Loan - Grace Periods
|
October 14, 1983
|
2.201, 3.201 & 3.508-8301
|
Refund of Prepaid Finance Charges - Non-Precomputed Transactions
|
September 25, 1981
|
3.104 & 3.109-8101
|
Seller Carry Back Second Mortgages
|
December 16, 1980
|
3.105 & 3.201-8010
|
Wrap Around Mortgages
|
July 18, 1980
|
3.104-8008 |
Line of Credit - Consumer Loan
|
May 14, 1980
|
5.204-8007 |
Finance Charges and Three Day Right to Rescind |
May 13, 1980
|
3.105-8004 |
Refinancing |
January 13, 1980
|
3.508-8002 |
Maximum APR Applicable-Interest Bearing Loans
|
January 4, 1980
|
5.112-8001 |
Right to Cure Notice - Four or Fewer Installments
|
December 18, 1979
|
3.402-7903 |
Balloon Payment Provisions - First Lien Loans
|
December 13, 1979
|
3.508-7902 |
Mortgage Lender Use of Monthly Amortization
|
November 13, 1978
|
3.408-7802 |
Change in Terms - Fluctuating Base Rate
|
| February 22, 1978 |
5.111-7801 |
Right to Cure Notice - Future Payment Reference
|
Note: Remaining opinions are available from the UCCC directly.
Opinion Letters
| Date | Title |
| April 29, 2010 |
Litigation Advance Funding |
October 12, 2005
|
Request for Rulemaking on Debt Cancellation & Suspension Agreements
|
November 9, 2004
|
Debt Cancellation and Suspension Agreements Offered by Colorado-Chartered Banks,
Colorado-Chartered Industrial Banks, and Colorado-Chartered Credit Unions
|
September 7, 2004
|
Multiple Instruments on Deferred Deposit Loans and Notice of Payment in Full and Release of Security |
August 2, 2004
|
Small Installment Loans
|
June 15, 2004
|
New Laws - Deferred Deposit Loan Act Amendments and Small Installment Loans |
March 13, 2002
|
Loans Primarily Secured by an Interest in Land
|
December 2, 2002
|
Fees for Electronic Debits and Payments
|
March 21, 2001
|
Discretionary Automatic Overdraft Privilege, Revised Letter
|
June 27, 2000
|
Colorado Deferred Deposit Loan Act - Renewals & Minimum Finance Charges
|
February 14, 2000
|
Automobile Purchase/Leaseback
|
|
December 15, 1999
|
Remedies for Improper Repossessions |
|
July 31, 1997
|
Timely Payoff Quotes |
|
December 23, 1996
|
Mortgage Broker Fees |
|
October 16, 1996
|
Credit Card Insurance Resulting in Favorable Rates |
|
September 10, 1996
|
Subsidiaries of Supervised Financial Organizations and UCCC Licensing |
|
August 23, 1996
|
"Slow Pay" Credit Card Rate Provision |
|
July 5, 1995
|
Tax Service Fees |
|
April 10, 1995
|
Loans Primarily Secured by Interest in Land |
|
November 22, 1994
|
Supervised Lender Licenses & Mortgage Loans |
|
February 7, 1994
|
Coupon Book Expense Vender's Single Interest Insurance (VSI) |
