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COLast updated: 2026-01
Colorado Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Colorado.
Maximum Interest Rate
45%
Business exemptions may apply
Usury Laws
Interest rate limits and penalties
Maximum Rate
45%
Penalty Type
Forfeiture of interest
Notes
General rate cap is 45% APR for consumer loans. Real estate secured loans may have different limits.
Business Exemption
Business loans over $35,000 are exempt.
Seller Financing Requirements
Disclosures, licensing, and restrictions
Required Disclosures
- Seller's Property Disclosure form
- Lead-based paint disclosure (pre-1978)
- TILA disclosures if applicable
Licensing Required
No license required
No license required for seller financing own property.
Consumer Protection
Applicable laws protecting buyers
- Colorado Consumer Protection Act
- Colorado Mortgage Company Registration Act (if applicable)
Real Estate Specifics
Foreclosure process and property laws
- Deed of Trust state (Public Trustee system)
- Non-judicial foreclosure through public trustee
- 75-day redemption for agricultural property
Legal Disclaimer
This information about Colorado regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Colorado attorney before entering into any seller financing arrangement.