Applicability
C.R.S. § 5-9.3-102
in effect5-9.3-102. Applicability. (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.
Source: Open US Law by Vaquill AI (CC BY 4.0)URL: https://leg.colorado.gov/sites/default/files/images/olls/crs2024-title-05.docx#5-9.3-102Fetched: 10/6/2026