Æ Colorado. An industry-backed anti-predatory lending law became effective on Jan. 1, aligning the Centennial State with other states that have adopted anti-predatory lending laws. Provisions on deceptive lending practices apply to all mortgage loans; certain sections cover only high-cost refinance loans. The high-cost loan provisions are similar to those found in the Home Ownership and Equity Protection Act, although the points and fees that trigger consumer protections under the Colorado