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Colorado settlement with Urban Talent Management and Style Incorporated over paid training debt practices

Urban Talent Management and Style IncorporatedNovember 9, 2026Colorado Attorney General

Penalty Amount

$130,000

Consumers Affected

469

Summary

Colorado settled allegations that Urban Talent Management and Style Incorporated used unfair paid-training contracts and lending practices, including unlawful contract terms, excessive fees, and inadequate lending disclosures. The companies agreed to stop offering paid training in Colorado, notify affected consumers, halt collection on specified accounts and debt, pay $10,000 in investigation costs, and accept a $120,000 suspended penalty conditioned on compliance.

Remedy

Neither company may offer paid training to Colorado consumers. Style may not send accounts opened before January 27, 2026, to collections and must stop collection efforts on $899,823 in consumer debt. Both companies must notify affected consumers within 30 days that they are not bound by specified contract clauses. Style must pay $10,000 in investigation costs, and both companies face a $120,000 suspended penalty if they fail to comply.

Monetary PenaltyInjunctionBanCorrective Notice

Contract Impact

Review customer-facing training and financing agreements for fee limits, late-fee grace periods, payment surcharges, required lending disclosures, and clear collection rights. Check vendor or payment-processing agreements for controls that ensure fees charged to consumers comply with applicable caps and that collection activity can be promptly paused or restricted. Review customer contract templates for non-compete, non-disparagement, and no-contact provisions, and ensure processes support timely corrective notices and debt relief when terms are unlawful. This action concerns lending and contract practices, not privacy-specific conduct.

Contract Search Terms

consumer lending disclosureslate-fee grace periodinsufficient funds fee capcredit and debit card surchargedebt collection authorizationpaid training contractnon-compete clausenon-disparagement clauseconsumer debt cancellation

Violation Types

Entity Details

Entity

Urban Talent Management and Style Incorporated

Industry

Education

Official Sources

Source Evidence

Entity Name
"Urban Talent Management and Style Incorporated"
Event Date
"2026.11.09-COAG-UTM-STYLE.pdf"
Fine Amount
"Style will pay $10,000 to the state to cover investigation costs."
Fine Amount
"Style and UTM will also be subject to a $120,000 suspended penalty, provided that both comply with the terms of the order."
Violation Types
"This included charging consumers $40 in insufficient funds fees – $15 over the statutory cap of $25 – and charging a late fee the day after a payment’s due date, well in advance of the statutorily mandated 10-day waiting period."
Violation Description
"Additionally, Style charged a 3% fee on credit or debit card payments, not the mandated flat rate of 2%, and failed to provide consumers with proper disclosures required by the state in consumer lending transactions."

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