Colorado
Despite Colorado law, some online loans carry 500%+ interest rate:
When Tate Anderson’s daughter needed a loan for a couple thousand dollars to help buy a car in February, the Englewood woman went online and stumbled on a loan that her father couldn’t believe. It carried an interest rate of 581%.
“I can’t be everyone’s dad, but this can’t happen to people,” said Anderson. “It’s so awful.”
Anderson, who has been a mortgage broker for 30 years and is familiar with the lending world, thought it was illegal to charge that much interest in Colorado. His daughter signed up for a $2,000 loan with an online lender called WithU Loans. The payment schedule called for her to pay more than $800 per month for nine months amounting to $6,370.19 in interest and a 581% interest rate for her $2,000 loan, according to loan documents reviewed by CBS News Colorado.
“I was shocked, needless to say”, Anderson told CBS News Colorado.
“They get away with lending murder,” he said.
Anderson told his daughter “to call them and tell them to pound sand.”
How could a loan like that be offered in Colorado, where state laws have capped interest rates at less than 40% for years?
Anderson and his daughter didn’t know that WithU Loans was an online lender owned and operated by the Otoe-Missouria tribe of Indians, and Indian tribes in the U.S. are generally exempt from state laws that prohibit exorbitant interest rates. What they are doing is perfectly legal.
“This is something that is baked into our Constitutional system,” explained Colorado Attorney General Phil Weiser.
“If you are a tribe and acting as a tribal entity you aren’t subject to the regulations of the state,” said Weiser.
Tribal loans, as they are called, are exempt from state laws as native American tribes have tribal sovereignty, legal standing that makes them immune from state statutes.
“When tribes operate businesses,” said Weiser, “they are operating outside of Colorado law because of their sovereignty.”
While Anderson’s daughter only dealt with WithU Loans, tribal lenders have proliferated online, offering installment loans that one tribal lender calls “an expensive form of credit.”
A spokesperson for WithU loans provided a written statement about offering high interest loans in Colorado saying, “People turn to online lending when they can’t find the financial options they need locally, or because they prefer to do business online. The internet connects them to services — including those offered by Native American Tribes from Tribal Lands under Tribal law.” He said, “Our terms are clear…”
Dr. Katherine Spilde, a California-based professor who specializes in American Indian economic development, said tribal loans provide geographically isolated tribal nations with revenue needed for housing, education, health care and law enforcement. She said, “I do think it’s a win-win, especially when you think what the tribes are using it for.” Asked about the soaring interest rates, she said, “Online lending in general doesn’t create financial fragility, it reveals it. These consumers need help, they need a partner they can count on,” said Spilde.
The online review platform Trustpilot said 71% of WithU Loans reviewers gave the service a five star review while 18% gave it one star.
“The interest is so evil,” wrote one reviewer this month. “You are flat out robbing people who need help. You should be absolutely ashamed of your greed.”
The Better Business Bureau in Oklahoma City has given WithU Loans an F grade, with the BBB saying it has received 343 complaints against the lender.
In 2022, one Colorado resident filed a complaint with the federal Consumer Financial Protection bureau about an unnamed tribal lender. He said he took out a tribal loan that carried a 447% interest rate.
“If this is not predatory lending then I don’t know what is. Put a stop to this,” said the resident.
Weiser said consumers need to do their research.
“With so many online lenders, it’s tricky out there. It’s easy to go into a product without understanding it,” said Weiser. “Consumers have choices. They should think hard about what’s best for them.”
Tate Anderson said he was able to quickly intervene in his daughter’s case and cancel the loan.
“Because I’m not going to let anyone rip my daughter off,” said Anderson.
He said after cancelling her loan, he lent his daughter the money for her new car.
While Weiser indicated there is not much the state can do about tribal lenders themselves, in 2023, his office reached a settlement with a collection agency — TrueAccord — which was licensed in Colorado and had been collecting debt from Colorado consumers stemming from tribal loans they had defaulted on. The settlement agreement says from 2017 through 2022, TrueAccord collected or attempted to collect from 28,728 Colorado consumers who had defaulted on their tribal loans. Some of the loans had interest rates nearing 900%, according to the settlement agreement.
TrueAccord denied any allegations of wrongdoing but stopped collecting on tribal loans in Colorado and agreed to pay the state $500,000.
Colorado
US Fish and Wildlife backed Colorado plan to get wolves from Canada before new threats to take over program, documents show
The U.S. Fish and Wildlife Service backed Colorado’s plan to obtain wolves from Canada nearly two years before the federal agency lambasted the move as a violation of its rules, newly obtained documents show.
In a letter dated Feb. 14, 2024, the federal agency told Colorado state wildlife officials they were in the clear to proceed with a plan to source wolves from British Columbia without further permission.
“Because Canadian gray wolves aren’t listed under the Endangered Species Act,” no ESA authorization or federal authorization was needed for the state to capture or import them in the Canadian province, according to the letter sent to Eric Odell, CPW’s wolf conservation program manager.
The letter, obtained by The Colorado Sun from state Parks and Wildlife through an open records request, appears to be part of the permissions the state received before sourcing 15 wolves. The agency also received sign-offs from the British Columbia Ministry of Land, Water and Resource Stewardship and the Convention on International Trade in Endangered Species of Wild Flora and Fauna.
In mid-December, however, the Fish and Wildlife Service pivoted sharply from that position, criticizing the plan and threatening to take control over Colorado’s reintroduction.
In a letter dated Dec. 18, Fish and Wildlife Service Director Brian Nesvik put CPW on alert when he told acting CPW Director Laura Clellan that the agency violated requirements in a federal rule that dictates how CPW manages its reintroduction.
Colorado voters in 2020 directed CPW to reestablish gray wolves west of the Continental Divide, a process that has included bringing wolves from Oregon in 2023 and British Columbia in 2025.
The federal rule Nesvik claims CPW violated is the 10(j). It gives Colorado management flexibility over wolves by classifying them as a nonessential experimental population within the state of Colorado. Nesvik said CPW violated the 10(j) by capturing wolves from Canada instead of the northern Rocky Mountain states of Montana, Wyoming, Idaho, Washington, eastern Oregon and north-central Utah “with no warning or notice to its own citizens.”
CPW publicly announced sourcing from British Columbia on Sept. 13, 2024, however, and held a meeting with county commissioners in Rio Blanco, Garfield, Pitkin and Eagle counties ahead of the planned releases last January. The agency also issued press releases when the operations began and at the conclusion of operations, and they held a press conference less than 48 hours later.
Nesvik’s December letter doubled down on one he sent CPW on Oct. 10, after Greg Lopez, a former Colorado congressman and 2026 gubernatorial candidate, contacted him claiming the agency violated the Endangered Species Act when it imported wolves from Canada, because they lacked permits proving the federal government authorized the imports.
That letter told CPW to “cease and desist” going back to British Columbia for a second round of wolves, after the agency had obtained the necessary permits to complete the operation. Nesvik’s reasoning was that CPW had no authority to capture wolves from British Columbia because they aren’t part of the northern Rocky Mountain region population.
But as regulations within the 10(j) show, the northern Rocky Mountain population of wolves “is part of a larger metapopulation of wolves that encompasses all of Western Canada.”
And “given the demonstrated resilience and recovery trajectory of the NRM population and limited number of animals that will be captured for translocations,” the agencies that developed the rule – Fish and Wildlife with Colorado Parks and Wildlife – expected “negative impacts to the donor population to be negligible.”
So despite what Nesvik and Lopez claim, “neither identified any specific provision of any law – federal, state or otherwise – that CPW or anyone else supposedly violated by capturing and releasing wolves from British Columbia,” said Tom Delehanty, senior attorney for Earthjustice. “They’ve pointed only to the 10(j) rule, which is purely about post-release wolf management, and applies only in Colorado.”
More experts weigh in
In addition to the 2024 letter from the Fish and Wildlife Service, documents obtained by The Sun include copies of permits given to CPW by the Ministry of British Columbia to export 15 wolves to the United States between Jan. 12 and Jan. 16, 2025.
These permits track everything from live animals and pets to products made from protected wildlife including ivory.
The permit system is the backbone of the regulation of trade in specimens of species included in the three Appendices of the Convention on International Trade in Endangered Species, also called CITES. A CITES permit is the confirmation by an issuing authority that the conditions for authorizing the trade are fulfilled, meaning the trade is legal, sustainable and traceable in accordance with articles contained within the Convention.

Gary Mowad, a former U.S. Fish and Wildlife agent and expert on Endangered Species Act policies, said “obtaining a CITES certificate is unrelated to the 10j rule” and that in his estimation, CPW did violate both the terms of the 10(j) and the memorandum of agreement with the Fish and Wildlife Service, because “the 10(j) specifically limited the populations from where wolves could be obtained, and Canada was not authorized.”
Mike Phillips, a Montana legislator who was instrumental in Yellowstone’s wolf reintroduction that began in 1995, thinks “the posturing about a takeover seems like just casually considered bravado from Interior officials.”
And Delahanty says “Nesvik and Lopez are making up legal requirements that don’t exist for political leverage in an effort that serves no one. It’s unclear what FWS hopes to accomplish with its threatening letter,” but if they rescind the memorandum of agreement, “it would cast numerous elements of Colorado’s wolf management program into uncertainty.”
Looking forward
If Fish and Wildlife does as Nesvik’s letter threatens and revokes all of CPW’s authority over grey wolves in its jurisdiction, “the service would assume all gray wolf management activities, including relocation and lethal removal, as determined necessary,” it says.
But Phillips says “if Fish and Wildlife succeeds in the agency’s longstanding goal of delisting gray wolves nationwide,” a proposition that is currently moving through Congress, with U.S. Rep. Lauren Boebert’s Pet and Livestock Protection Act bill, the agency couldn’t take over Colorado’s wolf program. That’s because “wolf conservation falls back to Colorado with (its voter-approved) restoration mandate.” And “the species is listed as endangered/nongame under state law,” he adds.
If the feds did take over, Phillips said in an email “USFWS does not have staff for any meaningful boots-on-the-ground work.” Under Fish and Wildlife Service control, future translocations would probably be “a firm nonstarter,” he added, “but that seems to be the case now.”
A big threat should Fish and Wildlife take over is that lethal removal of wolves “in the presence of real or imagined conflicts might be more quickly applied,” Phillips said.

But it would all be tied up in legal constraints, given that gray wolves are still considered an endangered species in Colorado, and requirements of the 10(j) and state law say CPW must advance their recovery.
So for now, it’s wait and see if CPW can answer Fish and Wildlife’s demand that accompanies Nesvik’s latest letter.
Nesvik told the agency they must report “all gray wolf conservation and management activities that occurred from Dec. 12, 2023, until present,” as well as provide a narrative summary and all associated documents describing both the January 2025 British Columbia release and other releases by Jan. 18., or 30 days after the date on his letter. If they don’t, he said, Fish and Wildlife “will pursue all legal remedies,” including “the immediate revocation of all CPW authority over gray wolves in its jurisdiction.”
Shelby Wieman, a spokesperson for Gov. Jared Polis’ office, said Colorado disagrees with the premise of Nesvik’s letter and remains “fully committed to fulfilling the will of Colorado voters and successfully reintroducing the gray wolf population in Colorado.”
And CPW maintains it “has coordinated with USFWS throughout the gray wolf reintroduction effort and has complied with all applicable federal and state laws. This includes translocations in January of 2025 which were planned and performed in consultation with USFWS.”
Colorado
Avalanche To Play Mammoth in 2027 Discover Winter Classic in Salt Lake City | Colorado Avalanche
NEW YORK – The National Hockey League announced today that the Colorado Avalanche will be the visiting team in the 2027 Discover Winter Classic and play the Utah Mammoth at the University of Utah’s Rice-Eccles Stadium in Salt Lake City. Additional details for the game, including ticketing information, date and start time, will be announced at a later date.
The 2027 Winter Classic marks the first time the Avalanche will play in the event and will be the fourth ever outdoor game the franchise plays in and the first one they’ll compete as the visiting team. Colorado hosted the Detroit Red Wings at Coors Field in the Stadium Series on Feb. 27, 2016, the Los Angeles Kings for the 2020 Stadium Series at Air Force Academy’s Falcon Stadium on Feb. 15, and the Vegas Golden Knights at Edgewood Tahoe Resort for the NHL Outdoors at Lake Tahoe event on Feb. 20, 2021.
“We’re excited and honored that the League selected us for the Winter Classic,” said Avalanche President of Hockey Operations Joe Sakic. “The Avalanche organization is always proud to be in consideration for marquee events like this. We’re looking forward to being matched up with a great team and represent the Rocky Mountain region in a game that appeals to these two markets in this part of the country.”
The Avalanche are 1-2-0 all-time in outdoor games but captured the most recent one at Lake Tahoe by a 3-2 score.
Colorado has faced the Mammoth six times since their inception ahead of the 2024-25 campaign, and the Avalanche have posted a 4-1-1 record. The club also owns a 2-0-1 record against Utah this season, which includes beating them in the home opener when Nathan MacKinnon became the first player in NHL history to record a game-winning goal against 32 franchises.
Colorado
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