{"data":{"id":"us-co/c.r.s.-5-9.3-102","jurisdiction":"us-co","citation":"C.R.S. § 5-9.3-102","heading":"Applicability.","body":"(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.\n\n(2) This article 9.3 does not apply to a GAP agreement that is included in:\n\n(a) A consumer lease;\n\n(b) A loan that does not involve a consumer as defined in section 4-1-201 (10.5);\n\n(c) A product that does not meet the definition of a guaranteed asset protection agreement; or\n\n(d) A transaction that is not subject to the \"Uniform Consumer Credit Code\", articles 1 to 9 of this title 5.","path":["Title 5 - CONSUMER CREDIT CODE","Article 9.3 - Guaranteed Asset Protection Agreements"],"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":"3b753ce70937b2bcd2f37c7771738b0edb6a5fa6803b192d769f4592a743f5d2","source_id":"us-co","stale":false,"prev":"us-co/c.r.s.-5-9.3-101","next":"us-co/c.r.s.-5-9.3-103"},"notice":"GroundRules: Original legal text. Not legal advice."}