Should we send the adverse-outcome letter before the AG rules land?

The statute already lists (a)–(c). The AG must clarify format and sector examples by 1 January 2027. Draft now; freeze after the rules.

Can a creditor keep using ECOA notices?

6-1-1704(6) lets a creditor who already sends ECOA / Regulation B (and FCRA where applicable) notices satisfy overlapping duties if those notices also meet this section. That is not a blanket waiver.

Colorado SB26-189 notice template

Two drafts aligned to C.R.S. § 6-1-1704: a point-of-interaction notice (or public posting) and a 30-day post-adverse-outcome letter. Preview the short notice here. The download includes the letter, rights language, and a placeholder for the Attorney General’s 1 January 2027 rules. Do not treat a filled template as a determination that your tool is a covered ADMT.

Educational resource only — not legal advice. scm.cc publishes a readiness report and engineering gap analysis for AI features. It does not give legal advice, represent you before a regulator, or state that a product is ready to ship under any law. This page is educational product guidance, not legal advice. It is not a readiness report, not an engineering gap analysis of your systems, and not a determination that any product meets a legal duty. Confirm current official text before you ship.

Last checked against official sources: 2026-10-11.

When to use this file

You deploy a covered ADMT that materially influences a consequential decision in education, employment, housing, lending, insurance, health care, or essential government services, for decisions made on or after 1 January 2027.

On-page preview

## Point-of-interaction notice (C.R.S. § 6-1-1704(1)–(2))

[Company] uses automated decision-making technology to help decide [employment / credit / housing / …]. This technology materially influences the outcome. You can ask how it works and what data it used — [link].

The full download adds the 30-day adverse-outcome letter, § 6-1-1705 rights language, and a placeholder for the Attorney General’s 1 January 2027 rules.

Questions teams ask

Should we send the adverse-outcome letter before the AG rules land?: The statute already lists (a)–(c). The AG must clarify format and sector examples by 1 January 2027. Draft now; freeze after the rules.
Can a creditor keep using ECOA notices?: 6-1-1704(6) lets a creditor who already sends ECOA / Regulation B (and FCRA where applicable) notices satisfy overlapping duties if those notices also meet this section. That is not a blanket waiver.

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Primary sources

Official text wins. Last checked 2026-10-11. This page is educational product guidance, not legal advice. It is not a readiness report, not an engineering gap analysis of your systems, and not a determination that any product meets a legal duty. Confirm current official text before you ship.