State Law Guide · Updated January 2026
Most dealer add-on products are cancellable. Most dealers won't tell you that.
Colorado Extended Warranty Cancellation Guide
Under Colorado Consumer Protection Act, Colorado gives you the right to cancel and receive refunds on F&I products. Dealers who fail to comply face UDAP penalties plus actual damages.
Quick Answer
In Colorado, you can cancel dealer add-on products at any time. Refunds must be issued within 60 days. You can sue in Small Claims Court for up to $7,500.
Purchased F&I products in Colorado?
Check your rights under Colorado law
Key Colorado Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Consumer Protection Act | Active (C.R.S. 6-1-105) | Protection against unfair or deceptive practices in F&I sales |
| Free Look Period | Per contract | Check contract for specific period |
| Refund Deadline | 60 days typical | Refund within 60 days of cancellation request |
| UDAP Protection | Active | Can sue under Consumer Protection Act for violations |
| Pro-Rata Refund | Required | Entitled to unused portion after free look |
Consumer Protection Act
Active (C.R.S. 6-1-105)Free Look Period
Per contractRefund Deadline
60 days typicalUDAP Protection
ActivePro-Rata Refund
RequiredWhat Colorado Law Requires
Your Cancellation Rights
Under Colorado Consumer Protection Act, Colorado consumers have the right to cancel F&I products purchased from dealers. After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
Timeline
Once you submit your request, the dealer or administrator has 60 days to respond. Failure to comply may result in UDAP penalties plus actual damages.
The law is clear — these products are cancellable and refundable. But dealers count on you not knowing that. Upload your contract to see exactly what you're owed.
A generic email gets ignored. A formal demand letter citing your state's exact statutes gets results.
How It Works
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State-Specific Citations
Maximum refund amounts
"Altitude and sun don't mean you need a $2,050 paint coating. Cancelled within the first week for a full refund."
— Denver, CO
$29 to recover up to $1,050. That's a 36x return.
Frequently Asked Questions
What protections does Colorado provide for F&I cancellations?
Colorado's Consumer Protection Act (C.R.S. Section 6-1-105 et seq.) prohibits unfair or deceptive practices. Dealers must honor cancellation terms and provide pro-rata refunds for unused service contracts.
Can I sue under Colorado's Consumer Protection Act?
Yes. If a dealer engages in unfair or deceptive practices regarding F&I product cancellations, you can sue under Colorado's Consumer Protection Act for actual damages and potentially additional penalties.
How long do I have to cancel in Colorado?
The free look period varies by contract and must be disclosed. After the free look period, you can still cancel and receive a pro-rata refund for the unused portion.
Where do I file a complaint in Colorado?
File complaints with the Colorado Attorney General Consumer Protection Division or the Colorado Auto Industry Division. Both agencies investigate dealer misconduct.
Colorado Regulatory Contacts
If you need to file a complaint or seek assistance, contact these official agencies:
Contact information is provided for reference. Verify current details on official agency websites.
Compare Other States
See how Colorado's laws compare to other states:
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Average Colorado recovery: $1,050 · Based on Colorado Consumer Protection Act