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Colorado Uniform Consumer Credit Code

Attorney General Cynthia H. Coffman Returns Nearly $8 Million to Victims of Unlawful Lending

The Colorado Attorney General's Office has reached a settlement agreement with CashCall, Inc., WS Funding, LLC, Delbert Services Corporation, and J. Paul Reddam, in addition to a previous settlement with Western Sky Financial, LLC. These settlements resolve allegations that the entities made, serviced, and collected high-cost loans in violation of Colorado's consumer credit protection laws. Collectively, the Defendants were required to pay $7,384,005.12 in disgorgement and restitution. The Defendants are also permanently prohibited from directly or indirectly servicing, collecting, or attempting to service or collect consumer loans in Colorado.

As a result, around 5,000 consumers have been mailed restitution payments. Consumers who have any questions related to their restitution payments should call the 1-800 number listed on the check letter.

Click here to read the full press release issued by Colorado Attorney General Cynthia H. Coffman.

The Colorado Uniform Consumer Credit Code (UCCC) is a state law that regulates the terms and conditions of consumer credit in the State of Colorado.  It sets maximum rates and charges, 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 disclosures of the cost of credit, certain consumer remedies, and administrative powers.  Most other consumer credit transactions such as payday loans, automobile loans, second mortgages, state-issued credit cards, and signature loans are subject to the UCCC. 

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 payday lenders, and takes appropriate disciplinary or legal action when a creditor violates 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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Colorado Department of Law
Consumer Protection Section, UCCC
Ralph L. Carr Colorado Judicial Center
1300 Broadway, 6th Floor
Denver, CO  80203

Consumer Complaints, Notifications, & Information:
(720) 508-6012
Supervised Lending Licensing:
(720) 508-6010
Fax Number:
(720) 508-6033