Section 5-9.3-102 - Applicability(1) This article 9.3 applies to every creditor, whether the creditor is an assignee or holder of a finance agreement that includes a GAP agreement. A creditor, assignee, or holder does not have any subrogation rights against the consumer.(2) This article 9.3 does not apply to a GAP agreement that is included in:(b) A loan that does not involve a consumer as defined in section 4-1-201 (10.5);(c) A product that does not meet the definition of a guaranteed asset protection agreement; or(d) A transaction that is not subject to the "Uniform Consumer Credit Code", articles 1 to 9 of this title 5.Added by 2023 Ch. 425,§ 3, eff. 1/1/2024.2023 Ch. 425, was passed without a safety clause. See Colo. Const. art. V, § 1(3).