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Colorado Statutes, Title 5

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Title 5, Consumer Credit Code

0 chapters · 408 sections in this title.

All chapters in Title 5408 Ch 1958 Ch 1639 Ch 334 Ch 1034 Ch 2033 Ch 228 Ch 3.124 Ch 623 Ch 520 Ch 1820 Ch 419 Ch 2117 Ch 113 Ch 1713

19 sections·Filtered byTitle 5✕Ch 4✕

Colo. Rev. Stat. § 5-4-101 Short title
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This article shall be known and may be cited as "Uniform Consumer Credit Code - Insurance". Source: L. 2000: Entire article R&RE, p. 1225, § 1, effective July 1.
Colo. Rev. Stat. § 5-4-102 Scope - relation to credit insurance act - applicability to parties
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(1) This article applies to insurance provided or to be provided in relation to a consumer credit transaction. (2) This article supplements and does not repeal the "Credit Insurance Act", article 10 of title 10, C.R.S. The provisions of this code concerning administrative control…
Colo. Rev. Stat. § 5-4-103 Definitions - "consumer credit insurance" - "Credit Insurance Act"
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As used in this code, unless the context otherwise requires: (1) "Consumer credit insurance" means insurance, other than insurance on property, by which the satisfaction of debt in whole or in part is a benefit provided but does not include: (a) Insurance, as to which a finance c…
Colo. Rev. Stat. § 5-4-104 Creditor's provision of and charge for insurance - excess amount of charge
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(1) Except as otherwise provided in this article and subject to the provisions on additional charges contained in section 5-2-202 and maximum charges contained in section 5-2-201, a creditor may agree to provide insurance and may contract for and receive a charge for insurance se…

Colo. Rev. Stat. § 5-4-105 Conditions applying to insurance to be provided by creditor

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(1) If a creditor agrees with a consumer to provide insurance: (a) The insurance shall be evidenced by an individual policy or certificate of insurance delivered to the consumer or sent to the consumer at his or her address as stated by the consumer within thirty days after the t…

Colo. Rev. Stat. § 5-4-106 Unconscionability

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(1) In applying the provisions of this code on unconscionability contained in sections 5-5-109 and 5-6-112 to a separate charge for insurance, consideration shall be given, among other factors, to: (a) Potential benefits to the consumer including the satisfaction of the consumer'…

Colo. Rev. Stat. § 5-4-107 Maximum charge by creditor for insurance

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(1) Except as provided in subsection (2) of this section, if a creditor contracts for or receives a separate charge for insurance, the amount charged to the consumer for the insurance may not exceed the premium to be charged by the insurer as computed at the time the charge to th…

Colo. Rev. Stat. § 5-4-108 Refund or credit required - amount

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(1) (a) Except as provided in subsection (3) of this section, an appropriate refund or credit of unearned premiums shall be made to the person entitled thereto with respect to any separate charge made to the consumer for insurance if: (I) The insurance is not provided or is provi…

Colo. Rev. Stat. § 5-4-109 Existing insurance - choice of insurer

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If a creditor requires insurance, upon notice to the creditor the consumer shall have the option of providing the required insurance through an existing policy of insurance owned or controlled by the consumer or through a policy to be obtained and paid for by the consumer, but th…

Colo. Rev. Stat. § 5-4-110 Charge for insurance in connection with a deferral, refinancing, or consolidation - duplicate charges

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(1) A creditor may not contract for or receive a separate charge for insurance in connection with a deferral described in section 5-2-204, a refinancing described in section 5-2-205, or a consolidation described in section 5-2-206 unless: (a) The consumer agrees at or before the …

Colo. Rev. Stat. § 5-4-111 Cooperation between administrator and commissioner of insurance

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The administrator and the commissioner of insurance are authorized and directed to consult and assist one another in maintaining compliance with this article. They may jointly pursue investigations, prosecute suits, and take other official action, as may seem to them appropriate,…

Colo. Rev. Stat. § 5-4-112 Administrative action of commissioner of insurance

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(1) To the extent that the commissioner's responsibility under this article requires, the commissioner of insurance shall promulgate rules in accordance with article 4 of title 24, C.R.S., with respect to insurers, and with respect to refunds described in section 5-4-108, and, in…

Colo. Rev. Stat. § 5-4-201 Term of insurance

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(1) Consumer credit insurance provided by a creditor may be subject to the furnishing of evidence of insurability satisfactory to the insurer. Whether or not such evidence is required, the term of the insurance shall commence no later than when the consumer becomes obligated to t…

Colo. Rev. Stat. § 5-4-202 Amount of insurance

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(1) Except as provided in subsection (2) of this section: (a) In the case of consumer credit insurance providing life coverage, the amount of insurance may not initially exceed the debt and, if the debt is payable in installments, may not at any time exceed the greater of the sch…

Colo. Rev. Stat. § 5-4-203 Filing and approval of rates and forms

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(1) A creditor may not use a form or charge in connection with credit insurance that does not comply with section 10-10-109, C.R.S. (2) and (3) (Deleted by amendment, L. 2003, p. 1895, § 12, effective July 1, 2003.) Source: L. 2000: Entire article R&RE, p. 1231, § 1, effective Ju…

Colo. Rev. Stat. § 5-4-301 Property insurance

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(1) A creditor may not contract for or receive a separate charge for insurance against loss of or damage to property unless: (a) The insurance covers a substantial risk of loss of or damage to property related to the credit transaction; (b) The amount, terms, and conditions of th…

Colo. Rev. Stat. § 5-4-302 Insurance on creditor's interest only

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If a creditor contracts for or receives a separate charge for insurance against loss of or damage to property, the risk of loss or damage not willfully caused by the consumer is on the consumer only to the extent of any deficiency in the effective coverage of the insurance even t…

Colo. Rev. Stat. § 5-4-303 Liability insurance

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A creditor may not contract for or receive a separate charge for insurance against liability unless the insurance covers a substantial risk of liability arising out of the ownership or use of property related to the credit transaction. Source: L. 2000: Entire article R&RE, p. 123…

Colo. Rev. Stat. § 5-4-304 Cancellation by creditor

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This section does not apply to an insurance premium loan. A creditor shall not request cancellation of a policy of property or liability insurance except after the consumer's default or in accordance with a written authorization by the consumer, and in either case the cancellatio…