Index To Administrative Interpretations And Opinion Letters

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  Some outdated material may be available upon request.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

DateNumberTitle
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

Opinion Letters

Note: Remaining opinions are available from the UCCC directly.

DateTitle
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)

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