{"data":{"id":"us-co/c.r.s.-5-3.1-105","jurisdiction":"us-co","citation":"C.R.S. § 5-3.1-105","heading":"Authorized charges.","body":"A lender may charge a finance charge for each deferred deposit loan or payday loan that must not exceed an annual percentage rate of thirty-six percent. If the loan is prepaid prior to the maturity of the loan term, the lender shall refund to the consumer a prorated portion of the finance charge based upon the ratio of time left before maturity to the loan term. A lender may charge only those charges expressly authorized in this article in connection with a deferred deposit loan or payday loan.","path":["Title 5 - CONSUMER CREDIT CODE","Article 3.1 - Deferred Deposit Loan Act"],"source_url":"https://olls.info/crs/crs2026-title-05.htm","current_through":"Colorado Revised Statutes 2026","vintage":"","retrieved_at":"2026-09-14T18:37:45Z","sha256":"617fa1fe88ec03e0d3414781bd577b5fcc020cd9aa5e3f5fd18d7bc94ee9eb81","source_id":"us-co","stale":false,"prev":"us-co/c.r.s.-5-3.1-104","next":"us-co/c.r.s.-5-3.1-106"},"notice":"GroundRules: Original legal text. Not legal advice."}