---
type: "Bill"
title: "Amending Terms Consumer Lending Laws"
description: "For consumer credit transactions made or renewed on or after January 1, 2024, the act modifies the requirements for alternative charges for loans not exceeding $1,000 as follows:"
jurisdiction: "us/states/co"
legislature: "Colorado General Assembly"
session: "2023A"
identifier: "HB 23-1229"
citation: "Colorado HB 23-1229 (2023A)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Javier Mabrey", "Julie Gonzales", "Mike Weissman"]
version_count: 10
action_count: 15
vote_count: 4
first_action: "2023-03-03T07:00:00+00:00"
last_action: "2023-06-05T06:00:00+00:00"
source: "openstates"
source_identifier: "ocd-bill/f8927fed-fe48-4e81-bc6f-8c1567a5b623"
source_url: "https://leg.colorado.gov/bills/hb23-1229"
source_hash: "82ed8fd909c511c5290611fe7422c3c64b8b9206ed349ed46afa89db012b9ad0"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-co"]
---

# Colorado HB 23-1229 (2023A) — Amending Terms Consumer Lending Laws

For consumer credit transactions made or renewed on or after January 1, 2024, the act modifies the requirements for alternative charges for loans not exceeding $1,000 as follows:

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Committee Amendment** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/2023a_hb1229_s_blt_001.pdf)
2. **Engrossed (04/10/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1229_eng.pdf)
3. **Final Act (05/22/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1229_enr.pdf)
4. **Introduced (03/03/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1229_01.pdf)
5. **PA1 (03/29/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1229_h_fin_01.pdf)
6. **PA2 (04/26/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1229_s_blt_01.pdf)
7. **Reengrossed (04/11/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1229_ren.pdf)
8. **Rerevised (05/01/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1229_rer.pdf)
9. **Revised (04/28/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1229_rev.pdf)
10. **Signed Act (06/05/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/2023a_1229_signed.pdf)

## Votes

- CONCUR — **47–18** (pass) · lower
- REPASS — **46–19** (pass) · lower
- BILL — **23–12** (pass) · upper
- BILL — **44–18** (pass) · lower

## Sponsors

- Javier Mabrey — primary (person)
- Julie Gonzales — primary (person)
- Mike Weissman — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2023-06-05T06:00:00+00:00** Governor Signed `executive-signature`
- **2023-05-22T06:00:00+00:00** Sent to the Governor `executive-receipt`
- **2023-05-22T06:00:00+00:00** Signed by the President of the Senate
- **2023-05-22T06:00:00+00:00** Signed by the Speaker of the House
- **2023-05-02T06:00:00+00:00** House Considered Senate Amendments - Result was to Concur - Repass
- **2023-05-01T06:00:00+00:00** Senate Third Reading Passed - No Amendments `passage, reading-3`
- **2023-04-28T06:00:00+00:00** Senate Second Reading Special Order - Passed with Amendments - Committee, Floor
- **2023-04-28T06:00:00+00:00** Senate Second Reading Laid Over Daily - No Amendments
- **2023-04-25T06:00:00+00:00** Senate Committee on Business, Labor, & Technology Refer Amended to Senate Committee of the Whole `committee-passage, referral-committee`
- **2023-04-12T06:00:00+00:00** Introduced In Senate - Assigned to Business, Labor, & Technology `introduction`
- **2023-04-11T06:00:00+00:00** House Third Reading Passed - No Amendments `passage, reading-3`
- **2023-04-10T06:00:00+00:00** House Second Reading Special Order - Passed with Amendments - Committee, Floor
- **2023-03-31T06:00:00+00:00** House Second Reading Laid Over Daily - No Amendments
- **2023-03-27T06:00:00+00:00** House Committee on Finance Refer Amended to House Committee of the Whole `committee-passage, referral-committee`
- **2023-03-03T07:00:00+00:00** Introduced In House - Assigned to Finance `introduction`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/f8927fed-fe48-4e81-bc6f-8c1567a5b623`. Confidence: reported (aggregated from official Colorado legislature records).