Colo. Rev. Stat. » Title 4
Colorado Revised Statutes

Colo. Rev. Stat. § 4-3-102 (2026)

Subject matter

✓ current as of July 2026
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(a) This article applies to negotiable instruments. It does not apply to money, to payment orders governed by article 4.5 of this title, or to securities governed by article 8 of this title.

(b) If there is conflict between this article and article 4 or 9 of this title, articles 4 and 9 govern.

(c) Regulations of the board of governors of the federal reserve system and operating circulars of the federal reserve banks supersede any inconsistent provision of this article to the extent of the inconsistency.

Source: L. 94: Entire article R&RE, p. 839, § 1, effective January 1, 1995.

Editor's note: This section is similar to former § 4-3-103 as it existed prior to 1994.

Notes of Decisions
Cited in 4 cases (2 in the last 5 years), 1990–2024 · leading case: First Nat'l Bank v. Ford Motor Credit Co., 748 F. Supp. 1464 (D. Colo. 1990).
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First Nat'l Bank v. Ford Motor Credit Co., 748 F. Supp. 1464 (D. Colo. 1990). · cites it 2× “if it is an order”); UCC § 3-102(l)(b), Colo.Rev.Stat. § 4-3-102(l)(b) (1973) (“An ‘order’ is a direction to pay.”
k v. Esperanza Architecture, 2021 COA 119 (Colo. Ct. App. 2021). · cites it 2× “2020 (defining “negotiable instrument”); see also § 4-3-102(a), C.R.S. 2020 (limiting the provisions of UCC article 3 to negotiable instruments).”
Dyles v. Cost Fund 1 (Colo. Ct. App. 2024). · cites it 2× “2024; see also § 4-3-102(a), C.R.S. 2024. 15 V. Appellate Costs and Attorney Fees ¶ 38 Cost Fund seeks appellate costs and attorney fees based on its spurious lien claim.”
Lupia v. Medicredit, Inc. (D. Colo. 2020). “See §§4-3-102(a) & 4-3-104, C.R.S.11 Specifically, section 4-3-311 provides, in relevant part, If a person against whom a claim is asserted proves that (I) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, (ii) the amount of the…”
— Colo. Rev. Stat. § 4-3-102(a) — 3 cases
k v. Esperanza Architecture, 2021 COA 119 (Colo. Ct. App. 2021). “2020 (defining “negotiable instrument”); see also § 4-3-102(a), C.R.S. 2020 (limiting the provisions of UCC article 3 to negotiable instruments).”
Dyles v. Cost Fund 1 (Colo. Ct. App. 2024). “2024; see also § 4-3-102(a), C.R.S. 2024. 15 V. Appellate Costs and Attorney Fees ¶ 38 Cost Fund seeks appellate costs and attorney fees based on its spurious lien claim.”
Lupia v. Medicredit, Inc. (D. Colo. 2020). “See §§4-3-102(a) & 4-3-104, C.R.S.11 Specifically, section 4-3-311 provides, in relevant part, If a person against whom a claim is asserted proves that (I) that person in good faith tendered an instrument to the claimant as full satisfaction of the claim, (ii) the amount of the…”
— Colo. Rev. Stat. § 4-3-102(l)(b) — 1 case
First Nat'l Bank v. Ford Motor Credit Co., 748 F. Supp. 1464 (D. Colo. 1990). “if it is an order”); UCC § 3-102(l)(b), Colo.Rev.Stat. § 4-3-102(l)(b) (1973) (“An ‘order’ is a direction to pay.”
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