C.R.S. § 5-2-102

For purposes of this article, “consumer credit transaction” applies to consumer loans, including supervised loans, consumer credit sales, and refinancing and consolidations of these transactions but does not include consumer leases except for the charges and procedures in sections 5-2-202 and 5-2-203 . The provisions concerning credit card surcharges contained in section 5-2-212 apply to all sales and leases.