Colorado Revised Statutes

Colo. Rev. Stat. § 5-3-210 (2026)

Discrimination prohibited - exemption

✓ current as of July 2026

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A consumer credit transaction regulated by this code shall not be denied any person, nor shall terms and conditions be made more stringent, on the basis of discrimination, solely because of disability, race, creed, religion, color, sex, sexual orientation, gender identity, gender expression, marital status, national origin, or ancestry. This section does not apply to any consumer credit transaction made or denied by a seller, lessor, or lender whose total original unpaid balances arising from consumer credit transactions for the previous calendar year are less than one million dollars.

Source: L. 2000: Entire article R&RE, p. 1220, § 1, effective July 1. L. 2008: Entire section amended, p. 1598, § 10, effective May 29. L. 2021: Entire section amended, (HB 21- 1108), ch. 156, p. 889, § 10, effective September 7.

Editor's note: This section is similar to former § 5-1-109, as it existed prior to 2000.

Cross references: (1) For civil liability for discrimination, see § 5-5-206; for discrimination generally, see article 34 of title 24. (2) For the legislative declaration contained in the 2008 act amending this section, see section 1 of chapter 341, Session Laws of Colorado 2008. (3) For the legislative declaration in HB 21-1108, see section 1 of chapter 156, Session Laws of Colorado 2021.

PART 3

LIMITATIONS ON CONSUMERS' LIABILITIES

Notes of Decisions

Cited in 2 cases (1 in the last 5 years), 2020–2026 · leading case: Grays v. Auto Mart USA, LLC (D. Colo. 2020).

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Grays v. Auto Mart USA, LLC (D. Colo. 2020). · cites it 2× “§ 6-1-105, apparently asserted only against Auto Mart, in that it falsely advertises guaranteed credit approval and deceived customers as to the status of the titles on its cars; • Claim 13: violation of C.R.S. § 5-3-210, which prohibits race and sex discrimination in consumer…”

In Re Bella Boe, Chloe Coe, Danielle Doe, & Gabriella Goe v. Child.'s Hosp. Colorado. (Colo. 2026). · cites it 2× “(2025) (voting rights); § 5-3-210, C.R.S. (2025) (extension of consumer credit); § 6-23-104, C.”

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