{"data":{"id":"us-co/c.r.s.-5-4-110","jurisdiction":"us-co","citation":"C.R.S. § 5-4-110","heading":"Charge for insurance in connection with a deferral, refinancing, or consolidation - duplicate charges.","body":"(1) A creditor may not contract for or receive a separate charge for insurance in connection with a deferral described in section 5-2-204, a refinancing described in section 5-2-205, or a consolidation described in section 5-2-206 unless:\n\n(a) The consumer agrees at or before the time of the deferral, refinancing, or consolidation that the charge may be made;\n\n(b) The consumer is or is to be provided with insurance for an amount or a term, or insurance of a kind, in addition to that to which the consumer would have been entitled had there been no deferral, refinancing, or consolidation;\n\n(c) The consumer receives a refund or credit on account of any unexpired term of existing insurance in the amount that would be required if the insurance were terminated under section 5-4-108; and\n\n(d) The charge does not exceed the amount permitted under section 5-4-107.\n\n(2) A creditor may not contract for or receive a separate charge for insurance that duplicates insurance with respect to which the creditor has previously contracted for or received a separate charge.","path":["Title 5 - CONSUMER CREDIT CODE","Article 4 - Insurance","Part 1 - INSURANCE IN GENERAL"],"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":"01a021f2eb1e2ea0bbe534d3eb984a5c559a9b5410aba0a0aa434d0f718e24ec","source_id":"us-co","stale":false,"prev":"us-co/c.r.s.-5-4-109","next":"us-co/c.r.s.-5-4-111"},"notice":"GroundRules: Original legal text. Not legal advice."}