Fabio
87 lines
5.3 KiB
Markdown
87 lines
5.3 KiB
Markdown
---
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type: "Bill"
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title: "Guaranteed Asset Protection Agreements"
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description: "The act establishes requirements regarding guaranteed asset protection agreements (GAP agreement). A GAP agreement relieves a consumer of liability for all or part of the deficiency balance remaining after the payment of all insurance proceeds upon the total loss of the consumer's motor vehicle."
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jurisdiction: "us/states/co"
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legislature: "Colorado General Assembly"
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session: "2023A"
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identifier: "HB 23-1181"
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citation: "Colorado HB 23-1181 (2023A)"
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classification: ["bill"]
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subjects: []
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status: "enacted"
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primary_sponsors: ["Kyle Mullica", "Nick Hinrichsen", "Tisha Mauro"]
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version_count: 10
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action_count: 16
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vote_count: 4
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first_action: "2023-02-08T07:00:00+00:00"
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last_action: "2023-06-07T06:00:00+00:00"
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source: "openstates"
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source_identifier: "ocd-bill/5a1cb0e7-026e-4140-97c1-ce494b20cff9"
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source_url: "https://leg.colorado.gov/bills/hb23-1181"
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source_hash: "171ad3c4c64380bc6ae5a560f5e3f9f4649bda53469bf95831ccdc7999f40d09"
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vintage: "2026-07-01"
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source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
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retrieved_at: "2026-07-06"
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confidence: "reported"
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tags: ["legislation", "bill", "us-co"]
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---
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# Colorado HB 23-1181 (2023A) — Guaranteed Asset Protection Agreements
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The act establishes requirements regarding guaranteed asset protection agreements (GAP agreement). A GAP agreement relieves a consumer of liability for all or part of the deficiency balance remaining after the payment of all insurance proceeds upon the total loss of the consumer's motor vehicle.
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## Version chain
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The bill's text revisions, in order — the diff chain from filing to enrollment.
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1. **Committee Amendment** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/2023a_hb1181_s_blt_001.pdf)
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2. **Engrossed (03/22/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1181_eng.pdf)
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3. **Final Act (05/22/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1181_enr.pdf)
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4. **Introduced (02/08/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1181_01.pdf)
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5. **PA1 (03/16/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1181_h_bus_01.pdf)
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6. **PA2 (04/27/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1181_s_blt_01.pdf)
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7. **Reengrossed (03/23/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1181_ren.pdf)
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8. **Rerevised (05/01/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1181_rer.pdf)
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9. **Revised (04/28/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/documents/2023A/bills/2023a_1181_rev.pdf)
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10. **Signed Act (06/07/2023)** (committee substitute) — [source](https://leg.colorado.gov/sites/default/files/2023a_1181_signed.pdf)
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## Votes
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- CONCUR — **49–15** (pass) · lower
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- BILL — **26–9** (pass) · upper
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- BILL — **50–14** (pass) · lower
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- REPASS — **49–15** (pass) · lower
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## Sponsors
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- Kyle Mullica — primary (person)
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- Nick Hinrichsen — primary (person)
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- Tisha Mauro — primary (person)
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## Timeline
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The legislative action history — every referral, reading, and vote.
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- **2023-06-07T06:00:00+00:00** Governor Signed `executive-signature`
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- **2023-05-22T06:00:00+00:00** Sent to the Governor `executive-receipt`
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- **2023-05-22T06:00:00+00:00** Signed by the President of the Senate
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- **2023-05-22T06:00:00+00:00** Signed by the Speaker of the House
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- **2023-05-07T06:00:00+00:00** House Considered Senate Amendments - Result was to Concur - Repass
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- **2023-05-02T06:00:00+00:00** House Considered Senate Amendments - Result was to Laid Over Daily
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- **2023-05-01T06:00:00+00:00** Senate Third Reading Passed - No Amendments `passage, reading-3`
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- **2023-04-28T06:00:00+00:00** Senate Second Reading Special Order - Passed with Amendments - Committee, Floor
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- **2023-04-27T06:00:00+00:00** Senate Committee on Business, Labor, & Technology Refer Amended to Senate Committee of the Whole `committee-passage, referral-committee`
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- **2023-04-13T06:00:00+00:00** Senate Committee on Business, Labor, & Technology Witness Testimony and/or Committee Discussion Only
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- **2023-03-27T06:00:00+00:00** Introduced In Senate - Assigned to Business, Labor, & Technology `introduction`
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- **2023-03-23T06:00:00+00:00** House Third Reading Passed - No Amendments `passage, reading-3`
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- **2023-03-22T06:00:00+00:00** House Second Reading Special Order - Passed with Amendments - Committee, Floor
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- **2023-03-20T06:00:00+00:00** House Second Reading Laid Over Daily - No Amendments
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- **2023-03-15T06:00:00+00:00** House Committee on Business Affairs & Labor Refer Amended to House Committee of the Whole `committee-passage, referral-committee`
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- **2023-02-08T07:00:00+00:00** Introduced In House - Assigned to Business Affairs & Labor `introduction`
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## Source
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OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/5a1cb0e7-026e-4140-97c1-ce494b20cff9`. Confidence: reported (aggregated from official Colorado legislature records).
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