C.R.S. § 5-9.3-102

[Editor’s note: This section is effective January 1, 2024.] (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.