As you know, PassTime takes an active role in monitoring legislation which may affect the motor vehicle industry, particularly regarding financing of vehicles and the use of asset protection and payment assurance device solutions including PassTime. Recently, PassTime’s EVP, Corinne Kirkendall, has been actively engaged in discussions with the Bill Sponsor Representative, Javier Mabrey.  Colorado House Bill 26-1261 proposed changes to motor vehicle consumer protection laws, including provisions severely limiting the availability of starter-interrupt device (SID) technology.

Over the course of the legislative process, stakeholders (including PassTime and its industry partners like CIADA, AFSA, CADA, as well as many others including and consumer advocates) shared feedback to address questions and concerns related to the bill. Representative Mabrey was receptive to our concerns and took the time to learn about how the devices are used in the automotive industry.   PassTime appreciated the opportunity to contribute to these conversations, educate and provide additional context on how SID technology functions in today’s auto finance environment.

As outlined in our correspondence to Representative Mabrey, starter-interrupt devices serve as a payment-assurance and communication tool that can help expand access to credit, particularly for consumers with limited or subprime credit histories. These technologies are designed to encourage engagement between consumers and creditors, often helping to avoid more disruptive outcomes such as physical repossession.

Importantly, industry practices emphasize transparency and consumer protections, including clear disclosure, informed consent, advance notification, and the availability of temporary override options to ensure continued vehicle access while communicating with the Credit about payment arraignments. PassTime also shared proposed legislative language intended to align with Colorado’s existing consumer credit framework and not changing the existing UCC code. 

PassTime’s CEO Jake Frank and Corinne Kirkendall had direct dialogue with Representative Mabrey.  David Cardella, Executive Director of CIADA, was very persuasive and insightful in helping advocate with PassTime during the meeting. Following this dialogue and stakeholder engagement, Representative Mabrey ultimately decided not to advance HB 26-1261 during this legislative session.

PassTime remains committed to working collaboratively with Representative Mabrey, policymakers and stakeholders to support balanced, thoughtful policies that protect consumers while preserving access to responsible credit solutions.

Compliance Contact:

Corinne Kirkendall

Executive Vice President, Compliance & Regulatory Affairs

Phone: (303) 870-3729

Email: corinne@passtimegps.com