The Colorado Fair Debt Collection Practices Act (CFDCPA) is a state law that governs the actions of debt collectors and collection agencies. It provides consumers with certain rights and restricts the practices collection agencies may use to attempt to collect debts. For example, the law prohibits collection agencies from using harassment, misleading, and unfair practices. The law prohibits unnecessary disclosure of the debt to parties not obligated to pay the debt. The law does not apply to creditors collecting their own debts.
The Colorado Attorney General’s Office, through the Administrator of the CFDCPA, investigates complaints about collection agencies and takes appropriate disciplinary or legal action when a collection agency has violated the law. This office cannot give legal advice nor can we represent individual consumers in actions against collection agencies. Consumers may bring legal action against collection agencies under the CFDCPA.
For information about past meetings, Advisory Opinions and Bi-Annual Reports from the Administrator, visit the General Information webpage using the link below.
To search for a collection agency or download a license report, visit the Consumer Credit Unit License Holders Report website (opens new window).
Collection agencies that became inactive prior to October 31, 2020 can be found on this Nonactive Collection Agency and Disciplinary History Report (PDF).
The laws are available via Colorado Legal Services provided by LexisNexis, the Official Publisher of Colorado Revised Statutes. The Colorado Fair Debt Collection Practices Act is available under Title 5.
Colorado Department of Law
Consumer Protection Section
Consumer Credit Unit – CAR
Ralph L. Carr Colorado Judicial Center
1300 Broadway, 6th Floor
Denver, CO 80202
car@coag.gov
Consumer Complaitns: (720) 508-6022
Licensing: (720) 508-6020
Fax: (720) 508-6033
Office of the Attorney General
Colorado Department of Law
Ralph L. Carr Judicial Building
1300 Broadway, 10th Floor
Denver, CO 80203
Contact the Office of the Attorney General