COLJI-Crim. F:199.2

“Loan finance charge” means the sum of all charges payable directly

or indirectly by the debtor and imposed directly or indirectly by the lender

as an incident to or as a condition of the extension of credit, whether paid

or payable by the debtor, the lender, or any other person on behalf of the

debtor to the lender or to a third party, including, but not limited to, any of

the following types of charges that are applicable: interest or any amount

payable under a point, discount, or other system of charges, however

denominated; premium or other charge for any guarantee of insurance

protecting the lender against the debtor’s default or other credit loss;

charges incurred for investigating the collateral or credit-worthiness of the

debtor or for commissions or brokerage for obtaining the credit.

[The term does not include the charges as a result of [insert

explanation(s) of additional charges as defined in section 5-2-202, C.R.S.;

delinquency charges as defined in section 5-2-203, C.R.S.; deferral charges

as defined in section 5-2-204, C.R.S.; similar charges specifically authorized

by law; or additional interest charges permitted by section 5-12-107(3),

C.R.S.]].