As used in this part 9, unless the context otherwise
requires:
(1) Account holder means any person or business entity named on or
associated with the account or named on the face of a financial device to whom or
for whose benefit the financial device is issued by an issuer.
(2) Extension of credit means any loan or agreement, express or implied,
whereby the repayment or satisfaction of any debt or claim, whether acknowledged
or disputed, valid or invalid, and however arising, may or will be deferred.
(3) To falsely alter a written instrument or financial device means to
change a written instrument or financial device without the authority of anyone
entitled to grant such authority, whether it be in complete or incomplete form, by
means of erasure, obliteration, deletion, insertion of new matter, transposition of
matter, or any other means, so that the written instrument or financial device in its
thus altered form falsely appears or purports to be in all respects an authentic
creation of or fully authorized by its ostensible maker.
(4) To falsely complete a written instrument or financial device means:
(a) To transform an incomplete written instrument or financial device into a
complete one by adding, inserting, or changing matter without the authority of
anyone entitled to grant that authority, so that the complete written instrument or
financial device falsely appears or purports to be in all respects an authentic
creation of or fully authorized by its ostensible maker; or
(b) To transform an incomplete written instrument or financial device into a
complete one by adding or inserting materially false information or adding or
inserting a materially false statement. A materially false statement is a false
assertion that affects the action, conduct, or decision of the person who receives or
is intended to receive the asserted information in a manner that directly or
indirectly benefits the person making the assertion.
(5) To falsely make a written instrument or financial device means to make
or draw a written instrument or financial device, whether it be in complete or
incomplete form, that purports to be an authentic creation of its ostensible maker,
but that is not, either because the ostensible maker is fictitious or because, if real,
the ostensible maker did not authorize the making or the drawing of the written
instrument or financial device.
(6) Financial device means any instrument or device that can be used to
obtain cash, credit, property, services, or any other thing of value or to make
financial payments, including but not limited to:
(a) A credit card, banking card, debit card, electronic fund transfer card, or
guaranteed check card;
(b) A check;
(c) A negotiable order of withdrawal;
(d) A share draft; or
(e) A money order.
(7) Financial identifying information means any of the following that can be
used, alone or in conjunction with any other information, to obtain cash, credit,
property, services, or any other thing of value or to make a financial payment:
(a) A personal identification number, credit card number, banking card
number, checking account number, debit card number, electronic fund transfer
card number, guaranteed check card number, or routing number; or
(b) A number representing a financial account or a number affecting the
financial interest, standing, or obligation of or to the account holder.
(8) Government means:
(a) The United States and its departments, agencies, or subdivisions;
(b) A state, county, municipality, or other political unit and its departments,
agencies, or subdivisions; and
(c) A corporation or other entity established by law to carry out
governmental functions.
(9) Issuer means a person, a banking, financial, or business institution, or a
corporation or other business entity that assigns financial rights by acquiring,
distributing, controlling, or canceling an account or a financial device.
(10) Number includes, without limitation, any grouping or combination of
letters, numbers, or symbols.
(11) Of another means that of a natural person, living or dead, or a business
entity as defined in section 16-3-301.1 (11)(b), C.R.S.
(12) Personal identification number means a number assigned to an
account holder by an issuer to permit authorized use of an account or financial
device.
(13) Personal identifying information means information that may be used,
alone or in conjunction with any other information, to identify a specific individual,
including but not limited to a name; a date of birth; a social security number; a
password; a pass code; an official, government-issued driver's license or
identification card number; a government passport number; biometric data; or an
employer, student, or military identification number.
(14) Utter means to transfer, pass, or deliver, or to attempt or cause to be
transferred, passed, or delivered, to another person a written instrument or
financial device, article, or thing.
(15) Written instrument means a paper, document, or other instrument
containing written or printed matter or the equivalent thereof, used for purposes of
reciting, embodying, conveying, or recording information, and any money, token,
stamp, seal, badge, or trademark or any evidence or symbol of value, right,
privilege, or identification, that is capable of being used to the advantage or
disadvantage of another.