Colorado § 5-9.3-102 Applicability

Colorado Statutes

§ 5-9.3-102 — Applicability

Colorado § 5-9.3-102

Title 05Consumer

Art.Guaranteed Asset Protection Agreements

This text of Colorado § 5-9.3-102 (Applicability) is published on Counsel Stack Legal Research, covering Colorado primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook

Colo. Rev. Stat. § 5-9.3-102 (2026).

Text

(1)This article 9.3 applies to every creditor, whether the creditor is an assignee or holder of a finance agreement that includes a GAP agreement. A creditor, assignee, or holder does not have any subrogation rights against the consumer.

(2)This article 9.3 does not apply to a GAP agreement that is included in:

(a)A consumer lease;

(b)A loan that does not involve a consumer as defined in section 4-1-201 (10.5);

(c)A product that does not meet the definition of a guaranteed asset protection agreement; or

(d)A transaction that is not subject to the Uniform Consumer Credit Code, articles 1 to 9 of this title 5.

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(1) This article 9.3 applies to every creditor,
whether the creditor is an assignee or holder of a finance agreement that includes a
GAP agreement. A creditor, assignee, or holder does not have any subrogation
rights against the consumer.

(2) This article 9.3 does not apply to a GAP agreement that is included in:

(a) A consumer lease;

(b) A loan that does not involve a consumer as defined in section 4-1-201
(10.5);

(c) A product that does not meet the definition of a guaranteed asset
protection agreement; or

(d) A transaction that is not subject to the Uniform Consumer Credit Code,
articles 1 to 9 of this title 5.