v. Center for Excellence ( 2021 )


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  •      The summaries of the Colorado Court of Appeals published opinions
    constitute no part of the opinion of the division but have been prepared by
    the division for the convenience of the reader. The summaries may not be
    cited or relied upon as they are not the official language of the division.
    Any discrepancy between the language in the summary and in the opinion
    should be resolved in favor of the language in the opinion.
    SUMMARY
    August 26, 2021
    2021COA117
    No. 20CA1692, Colorado v. Center for Excellence — Consumers
    — Colorado Consumer Protection Act — Unfair or Deceptive
    Trade Practices — Enforcement — Significant Public Impact
    A division of the court of appeals considers whether a 2019
    amendment to the Consumer Protection Act, section 6-1-103,
    C.R.S. 2020 — which provides that an action brought by the
    Attorney General “does not require proof that a deceptive trade
    practice has a significant public impact” — applies retroactively.
    The division concludes that the 2019 amendment constituted a
    change in the law and the change does not apply retroactively. On
    this basis, the division further concludes that each of the Consumer
    Protection Act claims in this case must be retried because the trial
    court erred when it decided that the Attorney General did not have
    to prove that defendants’ conduct significantly impacted the public.
    COLORADO COURT OF APPEALS                                           2021COA117
    Court of Appeals No. 20CA1692
    City and County of Denver District Court No. 14CV34530
    Honorable Ross B.H. Buchanan, Judge
    State of Colorado, ex rel.; Philip J. Weiser, as Attorney General of the State of
    Colorado; and Martha Fulford, as Administrator of the Uniform Consumer
    Credit Code,
    Plaintiffs-Appellees and Cross-Appellants,
    v.
    Center for Excellence in Higher Education, Inc., a not-for-profit company;
    CollegeAmerica Denver, Inc.; CollegeAmerica Arizona, Inc., divisions thereof
    d/b/a College America; Stevens-Henager College, Inc., a division thereof d/b/a
    Stevens-Henagar College; CollegeAmerica Services, Inc., a division thereof; Carl
    Barney, Chairman of Center for Excellence in Higher Education, Inc., and
    Trustee of the Carl Barney Living Trust; The Carl Barney Living Trust; and Eric
    Juhlin, Chief Executive Officer of Center for Excellence in Higher Education,
    Inc.,
    Defendants-Appellants and Cross-Appellees.
    JUDGMENT AFFIRMED IN PART, REVERSED IN PART,
    AND CASE REMANDED WITH DIRECTIONS
    Division A
    Opinion by CHIEF JUDGE BERNARD
    Welling and Tow, JJ., concur
    Announced August 26, 2021
    Philip J. Weiser, Attorney General, Eric R. Olson, Solicitor General, Abigail M.
    Hinchcliff, First Assistant Attorney General, Olivia D. Webster, Senior Assistant
    Attorney General II, Mark T. Bailey, Senior Assistant Attorney General II,
    Hanah M. Harris, Assistant Attorney General, Denver, Colorado, for Plaintiffs-
    Appellees and Cross-Appellants
    Connelly Law LLC, Sean Connelly, Denver, Colorado, for Defendants-
    Appellants and Cross-Appellees Center for Excellence in Higher Education,
    Inc., CollegeAmerica Denver, Inc., CollegeAmerica Arizona, Inc., Stevens-
    Henager College, Inc., and CollegeAmerica Services, Inc.
    L S Pozner, PLLC, Larry S. Pozner, Denver, Colorado; Gombos Leyton PC,
    Steven M. Gombos, Jacob C. Shorter, Fairfax, Virginia, for Defendants-
    Appellants and Cross-Appellees Carl Barney, The Carl Barney Living Trust, and
    Eric Juhlin
    ¶1    Certain advertisements are seemingly ubiquitous, appearing
    on the television, on the radio, and in print. As is pertinent to this
    case, one frequently aired television advertisement began, “You’ve
    been lied to. The truth is, the right college degree can lead to a
    higher paying job. And with the right degree from CollegeAmerica
    you could get a better job.”
    ¶2    According to Colorado’s Attorney General, some ten thousand
    Colorado consumers responded to advertisements such as the one
    quoted above and enrolled in CollegeAmerica. But those
    consumers, the Attorney General alleged, were sold a bill of goods.
    Instead of achieving the career advancement and increased income
    that they were led to expect, they entered degree programs that did
    not prepare them for jobs in their fields of study, and they were left
    saddled with debt that they had no hope of repaying. The Attorney
    General added that CollegeAmerica knew about these deficiencies in
    its programs, but it did not care; it was making money.
    ¶3    To hear CollegeAmerica tell it, it was filling a critical gap in the
    market, offering nontraditional, often disadvantaged students the
    opportunity to earn marketable degrees in high-demand fields in
    1
    less time than local community colleges could, and with a better
    chance of graduating, too.
    ¶4    In December 2014, the Attorney General and the
    Administrator of the Uniform Consumer Credit Code sued the
    corporate entities and the individuals that made up
    CollegeAmerica’s Colorado operation. (CollegeAmerica also has a
    presence in other states.) We shall refer to the plaintiffs collectively
    as “the Attorney General.” The named corporate defendants were
    the Center for Excellence in Higher Education, Inc., and its
    subsidiaries; the named individual defendants were Carl Barney,
    Eric Juhlin, and the Carl Barney Living Trust. We shall refer to the
    defendants collectively as “CollegeAmerica” unless we need to
    identify them individually. We note that, although the corporate
    defendants and the individual defendants were represented by the
    same counsel during the trial, they are represented by separate
    counsel on appeal.
    ¶5    The complaint alleged that CollegeAmerica’s efforts to recruit
    consumers and enroll them as CollegeAmerica students violated the
    Colorado Consumer Protection Act, or the CCPA, which we will
    2
    shorten to “the Consumer Act,” and Colorado’s Uniform Consumer
    Credit Code, or the UCCC, which we will call “the Credit Code.”
    ¶6    In particular, the Attorney General alleged that CollegeAmerica
    (1) “knowingly made false representations as to the state
    governmental approval necessary to offer various degrees and
    certifications,” in violation of section 6-1-105(1)(b), C.R.S. 2014; (2)
    “knowingly misrepresented the outcomes and benefits of certain or
    all of [its] degree programs; the characteristics and benefits of its
    loans and scholarships; and the sponsorship, approval[,] or
    affiliation necessary to offer certain degree programs and
    certifications,” in violation of section 6-1-105(1)(e); (3) “knew or
    should have known that [it had] misrepresented the outcomes,
    value[,] and quality of [its] various degree programs,” in violation of
    section 6-1-105(1)(g); (4) engaged in “bait and switch” advertising,
    in violation of section 6-1-105(1)(n)(I), (II); (5) failed to disclose
    material information with the intent to induce consumers to enroll
    as students, in violation of section 6-1-105(1)(u); (6) “failed to obtain
    the necessary authorization to offer certain degree programs,” in
    violation of section 6-1-105(1)(z); and (7) engaged in fraudulent or
    3
    unconscionable conduct in inducing consumers to enter into loans,
    in violation of section 5-6-112, C.R.S. 2020.
    ¶7    The trial court partially dismissed the “bait and switch” claim.
    The court held a four-week bench trial on the remaining claims
    beginning in October 2017.
    ¶8    The court issued its judgment, which included findings of fact
    and conclusions of law, about two years and nine months later.
    Much of the court’s order was copied verbatim from the Attorney
    General’s proposed order, and one of the reasons we know this is
    because the same typographical errors that appear in the trial
    court’s order are also found in the Attorney General’s proposed
    order.
    ¶9    The court decided that all the named defendants were jointly
    and severally liable for violating the Consumer Act, and it ordered
    them to pay $3 million in civil penalties; it issued detailed
    injunctions against CollegeAmerica under both the Consumer Act
    and the Credit Code; it denied the Attorney General’s request that
    CollegeAmerica pay back every dollar that its Colorado consumers
    had ever paid on tuition and for fees; and it determined that
    4
    CollegeAmerica’s loan program, known as EduPlan, was not
    unconscionable.
    ¶ 10   CollegeAmerica and the Attorney General appeal the trial
    court’s judgment. CollegeAmerica asserts that the judgment went
    too far; the Attorney General counters that the judgment did not go
    far enough.
    ¶ 11   Specifically, the corporate defendants contend that the trial
    court erred when it (1) applied a 2019 amendment to the Consumer
    Act — which did away with the Attorney General’s burden of
    proving “significant public impact” — retroactively; (2) deprived
    them of their right to a jury trial; (3) allowed the Attorney General to
    pursue what amounted to a claim for educational malpractice; (4)
    held the corporate defendants liable for conduct that federal
    regulations required, thus substituting its own policy judgments for
    those of the federal regulators; (5) decided the Consumer Act claims
    against them; and (6) deprived them of their right to a fair process
    because its ruling was long delayed and it incorporated so much of
    the Attorney General’s proposed order.
    ¶ 12   The individual defendants, meanwhile, assert that (1) the
    court erred when it did not require the Attorney General to prove
    5
    significant public impact under the Consumer Act; (2) the court
    erred when it denied them the right to a jury trial; (3) the evidence
    presented at trial did not support the imposition of personal liability
    against either Mr. Barney or Mr. Juhlin; and (4) the court
    erroneously imposed liability against the trust under an alter ego
    theory.
    ¶ 13   The Attorney General replies that the court only committed
    one error: it should have found, as a matter of law, that
    CollegeAmerica’s entire EduPlan loan program was unconscionable.
    ¶ 14   As we shall explain, we reverse the trial court’s judgment, in
    part, and we remand the case for a new trial. We conclude that
    each of the Consumer Act claims must be retried because the trial
    court erred when it decided that the Attorney General did not have
    to prove that CollegeAmerica’s conduct significantly impacted the
    public. Based on this conclusion, we only address the remaining
    contentions that (1) must be resolved for the purposes of the new
    trial on remand; or (2) would obviate the need for a retrial.
    6
    I.     The Trial Court Erred When It Decided That the Attorney
    General Did Not Need to Prove Significant Public Impact
    A.   Background
    ¶ 15        Before trial, CollegeAmerica asked the court to order summary
    judgment on two issues related to public impact. First, it argued
    that its programs only impacted “a handful” of students, not the
    public at large. Second, it argued that its mailed advertisements
    containing salary information and statements about the loan
    program did not affect the public because its tracking data showed
    that “no consumers who responded to any of the [s]tarting [s]alary
    [m]ailers enrolled in any of the programs for which starting salary
    information was included; and only six consumers who responded
    to any of the EduPlan [m]ailers enrolled in any program.”
    ¶ 16        The court disagreed with CollegeAmerica on both issues and
    the larger issue of whether there was any need to prove significant
    public impact at all, explaining that these requests for summary
    judgment presented “what appear[ed] to be a matter of first
    impression in Colorado, which has not been squarely decided by
    any appellate court.” The court explained that the “matter of first
    impression” was whether the Attorney General was required to
    7
    “demonstrate a ‘significant public impact’ arising from
    [CollegeAmerica’s] alleged deceptive trade practices in order to prove
    a violation of the [Consumer Act].” The court then ruled that proof
    of a significant public impact was “not applicable to this
    action . . . .”
    ¶ 17    This issue became more complicated in late March 2019 —
    after the trial, but before the court issued its judgment — when
    House Bill 19-1289 was introduced. As originally drafted, section 1
    of this bill would have amended section 6-1-105 by adding a new
    subsection (4). The new subsection read: “Standing to bring an
    action under this article 1 does not require proof that a deceptive
    trade practice has a significant public impact.” H.B. 19-1289, 72d
    Gen. Assemb., 1st Reg. Sess. (Colo. 2019)(as introduced in House,
    Mar. 29, 2019), https://perma.cc/8Y73-8D4E.
    ¶ 18    In early April 2019, a division of this court announced State ex
    rel. Weiser v. Castle Law Group, LLC, 
    2019 COA 49
    , ¶ 105. The
    division in Castle held that the Attorney General was required to
    prove public impact in cases brought under the Consumer Act.
    ¶ 19    Then, at the end of April, the legislature amended the bill.
    Instead of amending the statute to add a new subsection (4) to
    8
    section 6-1-105 and eliminating significant public impact as a
    standing requirement for anyone to bring a Consumer Act claim, a
    new section 1 of the bill added the following language as the last
    sentence of section 6-1-103, C.R.S. 2020: “An action under this
    article 1 brought by the attorney general or a district attorney does
    not require proof that a deceptive trade practice has a significant
    public impact.” H.B. 19-1289, 72d Gen. Assemb., 1st Reg. Sess.
    (Colo. 2019)(as revised, April 30, 2019)(emphasis added),
    https://perma.cc/AP2J-WA6Z. The General Assembly eventually
    passed an amended bill containing this language, and the Governor
    signed the amended bill into law in late May 2019.
    ¶ 20   So it is no surprise that, after the Governor signed the bill, the
    Attorney General filed a motion in this case asking the trial court to
    hold, as a matter of law, that, because of the bill, “Castle [was] . . .
    no longer controlling, and the . . . [trial court should] stand by its
    ruling that the [Attorney General was] not required to prove
    significant public impact.”
    ¶ 21   The trial court addressed this motion in its final judgment. It
    decided that the bill “preserved the significant public impact
    requirement in a private action brought under the [Consumer Act]
    9
    . . . but clarified that the requirement did not apply to an action
    brought by the Attorney General or a district attorney.”
    B.    History of the Public Impact Requirement
    ¶ 22   Before our General Assembly passed the bill in 2019, the
    Consumer Act did not include the phrase “significant public
    impact.” Rather, the phrase originated in case law.
    ¶ 23   In Hall v. Walter, 
    969 P.2d 224
    , 233-35 (Colo. 1998), our
    supreme court, relying on Hangman Ridge Training Stables, Inc. v.
    Safeco Title Insurance Co., 
    719 P.2d 531
    , 535 (Wash. 1986), set
    forth five elements that had to be proven in a “private cause of
    action” to prevail on a Consumer Act claim:
    (1) the defendant engaged in an unfair or deceptive trade
    practice;
    (2) the challenged practice occurred in the course of the
    defendant’s business, vocation, or occupation;
    (3) it “significantly impact[s] the public as actual or potential
    consumers of the defendant’s goods, services, or property,”
    Hall, 969 P.2d at 234;
    (4) the plaintiff suffered injury in fact to a legally protected
    interest; and
    10
    (5) the challenged practice caused the plaintiff’s injury.
    ¶ 24   Looking at the public impact requirement specifically, the
    court wrote that previous Colorado cases had “recognized” that the
    Consumer Act (1) was “clearly enacted to control various deceptive
    trade practices in dealing with the public.” Id. (quoting People ex rel.
    Dunbar v. Gym of Am., Inc., 
    177 Colo. 97
    , 107, 
    493 P.2d 660
    , 665
    (1972)); and (2) “regulates practices which ‘because of their nature,
    may prove injurious, offensive, or dangerous to the public.’” 
    Id.
    (quoting People ex rel. Dunbar, 177 Colo. at 107, 493 P.2d at 665).
    Because of this strong emphasis, to fall under the Consumer Act’s
    coverage, a “challenged practice must significantly impact the
    public as actual or potential consumers of the defendant’s goods,
    services, or property.” Id.
    ¶ 25   Although Hall involved a private cause of action, the supreme
    court then explained how these elements applied to a case brought
    by the Attorney General.
    ¶ 26   The court began by recognizing, as we have above, that the
    General Assembly’s purpose in enacting the Consumer Act was to
    “prevent[] deceptive trade practices that ‘may prove injurious,
    offensive, or dangerous to the public’” and that the “first three
    11
    elements [listed in section 6-1-112] address this purpose.” Id. at
    236 (quoting People ex rel. Dunbar, 177 Colo. at 111, 493 P.2d at
    667). But the court added that “the fourth and fifth elements” —
    that the plaintiff suffered an injury in fact and that the defendant’s
    conduct caused it — “address whether the impact” of a defendant’s
    “actions is such that the . . . plaintiff . . . has a cause of action
    under the statute.” Id. In other words, it was the fourth and fifth
    elements that “distinguish a private [Consumer Act case] from . . .
    an attorney general’s action for civil penalties.” Id. Indeed, “the
    latter” — an Attorney General’s action — “requires no showing of
    either actual injury or causation.” Id. The takeaway from Hall is
    clear: although the Attorney General does not need to prove the
    fourth or the fifth element, the Attorney General must prove the first
    three elements, which include a significant public impact.
    ¶ 27   Over twenty years later, the division announced Castle. (We
    note that our supreme court has not revisited this issue since Hall.)
    Castle involved an appeal of a Consumer Act judgment in which the
    defendants contended that the Attorney General had not met its
    burden to prove significant public impact. The Attorney General
    countered that the State “did not need to prove a significant public
    12
    impact in a civil enforcement action.” Castle, ¶ 105. The division
    rejected the Attorney General’s contention for three reasons.
    ¶ 28   First, the division decided that, “although the supreme court
    did not say so directly” in Hall, it implied that the Attorney General
    must prove the first three elements under section 6-1-112, which
    included proof of a significant public impact. Id. at ¶ 108. And, to
    the extent the operative language in Hall may have been dicta, the
    division found it to be persuasive. Id.
    ¶ 29   Then, the division held that requiring the Attorney General to
    prove public impact aligned with the Consumer Act’s legislative
    purpose of protecting the public interest. Id. at ¶ 109; see People ex
    rel. Dunbar, 177 Colo. at 112, 493 P.2d at 667 (The Consumer Act’s
    purpose is to regulate practices that “because of their nature, may
    prove injurious, offensive, or dangerous to the public.”).
    ¶ 30   Last, the division observed, as did our supreme court in Hall,
    that Colorado courts “have heavily relied on Washington state law
    in interpreting our own consumer protection law, and that
    jurisdiction requires [an] attorney general to prove the first three
    elements in a government enforcement action,” including proof of
    public impact. Id. at ¶ 110 (citation omitted); see Crowe v. Tull, 126
    
    13 P.3d 196
    , 203 (Colo. 2006)(“We have previously looked to decisions
    of the Supreme Court of Washington for guidance in interpreting”
    the Consumer Act.).
    ¶ 31   Even though Castle was announced before the trial court
    entered its judgment in this case, the court declined to follow it.
    Instead, the court applied the newly amended version of section
    6-1-103 from the bill, which was enacted after Castle was
    announced and which the court described as a clarification of the
    law “for the purpose of making plain what the legislation had been
    all along.”
    ¶ 32   But was the bill truly a clarification of what the law “had been
    all along,” or did it, in fact, change the law? The answer to this
    question is critical to the outcome of this appeal because whether
    the General Assembly clarified the law or changed it leads to
    different results.
    • If, on the one hand, the General Assembly clarified the
    law, then we would conclude that the Attorney General
    was not required to prove that CollegeAmerica’s conduct
    had a significant public impact.
    14
    • If, on the other hand, the General Assembly changed the
    law, there are two possible results.
    o If the General Assembly intended the change to
    apply retroactively, we would still conclude that the
    Attorney General was not required to prove a
    significant public impact.
    o But, if the General Assembly did not intend the
    change to apply retroactively, then Hall and Castle
    would lead us to conclude that the Attorney General
    was still required to prove a significant public
    impact in this case.
    ¶ 33   We next proceed to answer the question of whether the
    General Assembly changed or clarified the law.
    C.   Change or Clarification?
    1.    Law
    ¶ 34   When the General Assembly amends a statute, we presume
    that it intends to change the law, not simply to clarify it. Corsentino
    v. Cordova, 
    4 P.3d 1082
    , 1091 (Colo. 2000). This presumption can
    be rebutted, however, by showing that the General Assembly meant
    only to clarify an existing ambiguity in the statute. Acad. of Charter
    15
    Schs. v. Adams Cnty. Sch. Dist. No. 12, 
    32 P.3d 456
    , 464 (Colo.
    2001). If an amendment merely clarifies an ambiguity, the law
    remains unchanged. 
    Id.
    ¶ 35   Colorado courts apply a three-part analysis to distinguish
    between a change and a clarification. Williams v. Dep’t of Pub.
    Safety, 
    2015 COA 180
    , ¶¶ 92-93. First, a court considers whether
    the prior version of the statute was ambiguous; second, the court
    looks to the legislative history, including statements made by the
    bill’s sponsors regarding its purpose; and third, the court considers
    the statute’s plain language to determine if the General Assembly
    intended to clarify, not change, the statute. Id.
    2.   Analysis
    ¶ 36   We conclude, for the following reasons, that applying the
    three-part analysis here does not rebut the presumption that the
    General Assembly intended to change, rather than clarify, the
    Consumer Act.
    ¶ 37   First, the prior version of the Consumer Act was not
    ambiguous about requiring the Attorney General to prove
    significant public impact. Rather, Hall imposed this responsibility
    more than two decades before the General Assembly passed House
    16
    Bill 19-1289. See City of Colorado Springs v. Powell, 
    156 P.3d 461
    ,
    468 (Colo. 2007)(“These decisions, in conjunction with the General
    Assembly’s inaction in addressing the interpretations therein, lead
    us to the conclusion that there was no ambiguity . . . .”).
    ¶ 38   Largely ignoring Hall, the Attorney General instead focuses on
    Castle, suggesting that this decision was what prompted the
    General Assembly to step in and “clarify the law.” But the timing of
    the bill does not clearly support this contention because when the
    bill was first introduced — which was before Castle was announced
    — it contained language that affected the obligation of any party —
    public or private — to prove significant public impact in a
    Consumer Act case: “Standing to bring an action under this article
    1 does not require proof that a deceptive trade practice has a
    significant public impact.”
    ¶ 39   It is true that the bill was amended post-Castle to refer
    specifically to the elements of a Consumer Act claim brought by the
    Attorney General: “An action under this article 1 brought by the
    attorney general . . . does not require proof that a deceptive trade
    practice has a significant public impact.” But this amendment does
    not affect the fact that, pre-Castle, the General Assembly was
    17
    already tinkering with the requirement of proving a significant
    public impact.
    ¶ 40   Second, the legislative history of the bill is ambiguous as to
    whether the General Assembly intended for the significant public
    impact provision to be a mere clarification of the law. The existence
    of this ambiguity means that there is no “clear indication” that the
    General Assembly intended to clarify the law, see Dep’t of Transp. v.
    Gypsum Ranch Co., 
    244 P.3d 127
    , 131 (Colo. 2010), so the
    presumption that the bill changed the law has not been rebutted.
    ¶ 41   For example, during a committee hearing, one of the bill’s
    sponsors said that the bill “removes a case law requirement for
    significant public impact.” Hearings on H.B. 19-1289 before the S.
    Judiciary Comm., 72d Gen. Assemb., 1st Reg. Sess. (Apr. 24,
    2019)(statement of Mike Foote, Colorado State Senator). He
    explained that, in 1998, our supreme court had “address[ed] the
    elements that would have to be proven by either a private party in a
    private cause of action” or by the “[A]ttorney [G]eneral . . . about
    what would be a violation of” the Consumer Act. 
    Id.
     Referring to
    Hall, the sponsor continued by saying that it “pretty much put in
    this requirement that [there] had to [be] a significant public impact
    18
    before it could be addressed under the Consumer Act.” Id.; see also
    Novak v. Craven, 
    195 P.3d 1115
    , 1122 (Colo. App. 2008)(“[T]he
    testimony before the House and Senate Judiciary Committees of the
    General Assembly reflects that the overriding purpose of the 2008
    amendment was to alter the legal precedent established nearly a
    decade ago . . . .”).
    ¶ 42    In addition to these statements, other legislative history
    suggests that the bill’s purpose was to change the law, not clarify it:
    • an attachment to the sponsor’s legislative packet stated:
    “Colorado is 1 of only 7 states that require proof of public
    harm/impact,” Hearings on H.B. 19-1289 before the H.
    Judiciary Comm., 72d Gen. Assemb., 1st Reg. Sess.,
    attach. H (Apr. 9, 2019); and
    • the elected Attorney General testified before one of the
    General Assembly’s committees that
    o eliminating the requirement of proving a significant
    public impact would beneficially affect when the
    Attorney General’s office could initiate a consumer
    protection case because instead of waiting until a
    fraudster has committed one hundred instances of
    19
    fraud, “[we are] able to act quicker . . . to prevent
    more harm from happening”; and
    o the reason the Attorney General’s office may not
    have “act[ed] earlier” in some fraud cases was
    “because we have a statutory bar that prohibited us
    from [doing so].”
    Hearings on H.B. 19-1289 before the H. Judiciary
    Comm., 72d Gen. Assemb., 1st Reg. Sess. (Apr. 9,
    2019)(statement of Phil Weiser, Colorado Attorney
    General).
    ¶ 43   At the same time, the Attorney General points to testimony by
    a second sponsor of the bill who said that the significant public
    impact requirement — which he acknowledged had been “a
    threshold requirement” for the past twenty-one years — is “not an
    element” that the General Assembly “ever really agreed to” and is
    “contrary to the very spirit and intent of the [Consumer Act].”
    Hearings on H.B. 19-1289 before the H. Judiciary Comm., 72d Gen.
    Assemb., 1st Reg. Sess. (Apr. 9, 2019)(statement of Mike Weissman,
    Colorado State Representative).
    20
    ¶ 44   This statement, the Attorney General says, shows that the bill
    was intended to clarify the law — that is, it was never the General
    Assembly’s intent to have the significant public impact requirement
    apply to Consumer Act claims initiated by the Attorney General.
    But, when the second sponsor made this statement, he was talking
    about the original version, which would have removed the
    significant public impact requirement for all Consumer Act claims,
    not just those initiated by the Attorney General. So, given the
    timing of this statement and the version of the bill that the second
    sponsor was addressing at the time, the second sponsor’s statement
    sheds little light on the question of whether the amended bill that
    eventually became law was intended as a clarification or a change.
    ¶ 45   Even so, “[a] legislative statement ‘cannot control the
    interpretation of an earlier enacted statute.’” People v. Vigil, 
    251 P.3d 442
    , 449 (Colo. App. 2010)(quoting O’Gilvie v. United States,
    
    519 U.S. 79
    , 90 (1996)). Indeed, the General Assembly has
    amended the Consumer Act repeatedly since Hall was decided, but
    until House Bill 19-1289, it had not addressed the Attorney
    General’s obligation to prove a significant public impact. “When the
    legislature reenacts or amends a statute and does not change a
    21
    section previously interpreted by settled judicial construction, it is
    presumed that it agrees with [the] judicial construction of the
    statute.” Tompkins v. DeLeon, 
    197 Colo. 569
    , 571, 
    595 P.2d 242
    ,
    243-44 (1979). So, as is pertinent to this part of our analysis,
    “where an existing statute has already undergone construction by a
    final judicial authority, further legislative amendment necessarily
    reflects the legislature’s understanding of that construction, or
    perhaps simply disagreement with how it is being (or fear of how it
    is likely to be) interpreted by other courts.” Union Pac. R.R. Co. v.
    Martin, 
    209 P.3d 185
    , 188-89 (Colo. 2009). Such an amendment
    “can fairly be presumed to intend a change in the law — the law as
    the amending legislature believes it to be following earlier judicial
    construction — but it implies virtually nothing about original
    legislative intent.” 
    Id.
    ¶ 46   This brings us to the third part of our analysis: we conclude
    that the language of the bill does not rebut the presumption that
    the General Assembly intended to change the law. For example,
    there is no statement in the bill that “it merely clarifies” the
    Consumer Act. See Williams, ¶ 94. To the contrary, the bill title
    states that it “concern[s] the creation of additional protections in the
    22
    Colorado consumer code.” Ch. 268, 
    2019 Colo. Sess. Laws 2515
    (emphasis added). Such language indicates an intent to change the
    law. See Powell, 156 P.3d at 466 (Bill language referring to
    “‘modifications of, and additions to’ . . . suggests a legislative
    recognition that the amendment creates substantive changes to the
    law.”). And the bill made substantive changes to the Consumer Act,
    such as including reckless conduct to the definitions of consumer
    protection violations and adding penalties for defrauding the
    elderly. 2019 Colo. Sess. Laws at 2516-17.
    ¶ 47   Nonetheless, the Attorney General points to the applicability
    clause of the bill, which states that “[s]ections 2 and 3 of this act
    apply to civil actions filed on or after the effective date of this act.
    Section 4 of this act applies to judgments entered into on or after
    the effective date of this act.” 2019 Colo. Sess. Laws at 2517.
    Because this clause “contains no effective date for Section 1” (where
    the significant public impact requirement was addressed), the
    Attorney General submits that the General Assembly must have
    intended to clarify “what the law has always been.” But the
    absence of an effective date, without more, does not constitute a
    23
    “clear indication” that the General Assembly intended to clarify the
    law. Union Pac. R.R. Co., 209 P.3d at 188.
    ¶ 48   Perhaps recognizing that overcoming this presumption is a
    steep hill to climb, the Attorney General alternatively argues that,
    even if the bill changed the law, “the amendment would still apply
    retroactively.” As we shall explain next, we disagree with that
    contention, too.
    D.   Prospective or Retroactive?
    1.    Law
    ¶ 49   Absent legislative intent to the contrary, a statute is presumed
    to operate prospectively, meaning it only applies to events occurring
    after its effective date. § 2-4-202, C.R.S. 2020; In re Estate of
    DeWitt, 
    54 P.3d 849
    , 854 (Colo. 2002). By contrast, a statute
    operates retroactively if it applies to events that have already
    occurred or to rights and obligations that existed before its effective
    date. DeWitt, 54 P.3d at 854. The presumption of prospective
    application is rooted in policy considerations, such as the notion of
    fair play and the desire to promote stability in the law. Powell, 156
    P.3d at 464. To overcome this presumption, a statute must reveal a
    24
    clear legislative intent to have the statute applied retroactively.
    DeWitt, 54 P.3d at 854.
    ¶ 50   While express language from the General Assembly stating its
    intent for a statute to be applied retroactively is not required for us
    to decide that it applies retroactively, it is “certainly the most
    efficient and obvious manner of communicating such a desire.”
    Powell, 156 P.3d at 466.
    2.    Analysis
    ¶ 51   The General Assembly’s power to abrogate case law remains
    subject to the principle that, “unless intent to the contrary is
    shown, legislation shall apply only to those transactions occurring
    after it takes effect.” Powell, 156 P.3d at 464. We recognize that
    “express retroactivity language is unnecessary” and that “an intent
    that a statute operate retroactively may be implied.” In re Marriage
    of Weekes, 
    2020 COA 16
    , ¶ 26. But we nonetheless conclude that
    there is no clear indication in the statute, either express or implied,
    expressing an intent that section 1 apply retroactively. As a result,
    we further conclude that the presumption that the General
    Assembly intended section 1 to apply only prospectively controls
    our decision.
    25
    ¶ 52   First, the bill does not state that the public impact language in
    section 1 is to be applied retroactively. If the General Assembly had
    intended for section 1 of the bill to be retroactive, it could have said
    so. People v. Griffin, 
    397 P.3d 1086
    , 1089 (Colo. App. 2011). And it
    knows how to say so. See § 18-1.3-401.5(1), C.R.S. 2020
    (sentencing ranges “only apply to a conviction for a drug felony
    offense . . . committed on or after October 1, 2013”); see also Ch.
    244, sec. 1, 
    2009 Colo. Sess. Laws 1099
     (containing a legislative
    declaration stating that it was the General Assembly’s intent in
    enacting a statute “to clarify” the meaning of certain parts of the
    criminal theft statute).
    ¶ 53   Second, as we have shown above, the General Assembly
    expressly made other sections of the bill retroactive in the
    applicability clause. See Taylor Morrison of Colo., Inc. v. Bemas
    Constr., Inc., 
    2014 COA 10
    , ¶ 23 (“[W]hen legislation purports to
    apply to actions filed ‘on or after’ a certain date, such language
    necessarily requires retroactive application of the statute because
    for an action to be filed on the effective date, it must have accrued
    prior to that date.”). By making these sections retroactive, and by
    excluding section 1 from that statement, we conclude that the
    26
    General Assembly expressed at least some intent that section 1 is
    not to be applied retroactively. See Well Augmentation Subdistrict of
    Cen. Colo. Water Conservancy Dist. v. City of Aurora, 
    221 P.3d 399
    ,
    419 (Colo. 2009)(“When the General Assembly includes a provision
    in one section of a statute, but excludes the same provision from
    another section, we presume that the General Assembly did so
    purposefully.”); Holcomb v. Jan-Pro Cleaning Sys. of S. Colo., 
    172 P.3d 888
    , 894 (Colo. 2007)(“We do not add words to the statute or
    subtract words from it.”); Riley v. People, 
    104 P.3d 218
    , 221 (Colo.
    2004)(“The presence of one exception is generally construed as
    excluding other exceptions.”); Beeghly v. Mack, 
    20 P.3d 610
    , 613
    (Colo. 2001)(“Under the rule of interpretation expressio unius
    exclusio alterius, the inclusion of certain items implies the exclusion
    of others.”); A.C. v. People, 
    16 P.3d 240
    , 243 (Colo. 2001)(“The court
    will not create an exception to a statute that the plain meaning does
    not suggest or demand.”).
    ¶ 54   Based on these conclusions, we next conclude that Hall
    required the Attorney General to prove significant public impact as
    part of its case. Recognizing this possibility, both parties ask us to
    decide whether the Attorney General’s evidence met the burden of
    27
    proof in this case: the Attorney General asks us to hold that “the
    record establishes that [CollegeAmerica’s] predatory practices had a
    significant impact on Coloradans”; CollegeAmerica responds that,
    for the claims “involving only a few students, judgment should be
    entered [for them] . . . as a matter of law.”
    ¶ 55   But whether there is a significant public impact in a
    Consumer Act case is a question of fact. One Creative Place, LLC v.
    Jet Ctr. Partners, LLC, 
    259 P.3d 1287
    , 1289-90 (Colo. App. 2011).
    In this case, the trial court decided that the Attorney General did
    not have to prove that there had been a significant public impact,
    so it did not make any factual findings on this issue. As a result,
    we do not know whether the court would have decided the case
    differently if it had made such findings.
    ¶ 56   More importantly, based on the trial court’s rulings —
    including a pretrial ruling that the Attorney General would not be
    required to prove significant public impact to prevail on its
    Consumer Act claims — the parties lacked the incentive to present
    evidence, rebut evidence, and develop a record on this issue. Cf.
    Zwick v. Simpson, 
    193 Colo. 36
    , 39, 
    572 P.2d 133
    , 134 (1977)(“[I]t
    would be inequitable to foreclose the possibility of recovery because
    28
    the plaintiff failed to present evidence on a theory of damages which
    the trial court felt was inapplicable.”). We therefore conclude that
    we must reverse the trial court’s judgment on this ground and
    remand this case for a new trial on all the Consumer Act claims.
    See Carousel Farms Metro. Dist. v. Woodcrest Homes, Inc., 
    2019 CO 51
    , ¶ 18 (observing that trial courts find facts while appellate courts
    pronounce the law).
    II.   CollegeAmerica Did Not (and Does Not) Have a Right to a Jury
    Trial
    ¶ 57    CollegeAmerica next contends that it was entitled to a jury
    trial. We disagree.
    A.    Preservation and Standard of Review
    ¶ 58    CollegeAmerica asked for a jury trial. The Attorney General
    moved to strike the jury demand. The trial court granted the
    motion to strike, reasoning that, under People v. Shifrin, 
    2014 COA 14
    , the basic thrust of the action was equitable, not legal, in nature.
    We review the issue de novo. Shifrin, ¶ 14.
    B.    Law
    ¶ 59    There is no constitutional right to a jury trial in a civil case in
    Colorado. Setchell v. Dellacroce, 
    169 Colo. 212
    , 215, 
    454 P.2d 804
    ,
    29
    806 (1969). Rather, the right is derived from C.R.C.P. 38. 
    Id.
    Under Rule 38, it is the character of the action that determines
    whether an issue of fact will be tried to a court or to a jury. Kaitz v.
    Dist. Ct., 
    650 P.2d 553
    , 554 (Colo. 1982). Legal actions go to a jury.
    Am. Fam. Mut. Ins. Co. v. DeWitt, 
    218 P.3d 318
    , 322 (Colo. 2009).
    Equitable actions do not. 
    Id.
    ¶ 60   To determine whether an action is legal or equitable in nature,
    courts engage in a claim-by-claim review of a plaintiff’s complaint.
    Mason v. Farm Credit of S. Colo., ACA, 
    2018 CO 46
    , ¶ 11. If the
    complaint contains only legal claims, then the case will be tried to a
    jury (assuming, that is, that a jury was timely demanded and that
    the requisite fee was paid). 
    Id.
     If the complaint contains only
    equitable claims, then the case will be tried to the court. 
    Id.
     If the
    complaint contains both legal and equitable claims, then the court
    “must look to the overall character of the action to determine
    whether it is fundamentally legal or equitable.” 
    Id.
    ¶ 61   There are two ways to assess whether a claim is legal or
    equitable. Peterson v. McMahon, 
    99 P.3d 594
    , 597 (Colo. 2004).
    The first method is to examine the nature of the remedy sought. 
    Id.
    Generally, legal claims seek monetary damages, while equitable
    30
    claims seek to invoke the coercive powers of the court. 
    Id.
     The
    second method is to examine the historical nature of the right the
    plaintiff wants to enforce. 
    Id.
     For example, a claim is equitable
    when the plaintiff “is seeking to enforce a right originally created in
    or decided by equity courts.” Id. at 597-98. The remedial method is
    preferred to the historical. Mason, ¶ 27.
    C.    Analysis
    ¶ 62      In this case, the Attorney General pled six claims seeking relief
    under the Consumer Act and one claim seeking relief under the
    Credit Code. As relief, the Attorney General sought (1) a declaration
    that CollegeAmerica’s conduct violated the Consumer Act and the
    Credit Code; (2) an order permanently enjoining CollegeAmerica
    “from engaging in any deceptive trade practices and unconscionable
    transactions”; (3) “appropriate orders” to prevent future
    misconduct; (4) a judgment “for restitution, disgorgement, or other
    equitable relief”; (5) an order requiring CollegeAmerica to pay civil
    penalties; and (6) an order requiring CollegeAmerica to pay the fees
    and costs that the Attorney General had incurred in pursuing the
    case.
    31
    ¶ 63   CollegeAmerica asserts that it was entitled to a jury trial
    because the monetary relief requested by the Attorney General
    “overwhelmed” the equitable relief requested, thereby revealing the
    fundamentally legal character of the action. To support this
    contention, it points to the trial court’s decision to deny preliminary
    injunctive relief and the Attorney General’s eventual request for $3
    million in civil penalties and more than $200 million in restitution
    and disgorgement (amounts that were unknown when the
    complaint was filed).
    ¶ 64   But, “whether an action is legal or equitable is dictated only by
    the claims in a plaintiff’s complaint.” Mason, ¶ 11 (emphasis
    added). Accordingly, information that came to light after the
    Attorney General filed the complaint is irrelevant to our analysis.
    ¶ 65   What is more, the fact that a plaintiff is seeking money — even
    large sums of money — does not alone transform an equitable
    action into a legal one. See Cont’l Title Co. v. Dist. Ct., 
    645 P.2d 1310
    , 1318 (Colo. 1982)(“[N]ot all forms of monetary relief need
    necessarily be characterized as legal relief for purposes of the jury
    trial requirement.”); see also Snow Basin, Ltd. v. Boettcher & Co.,
    
    805 P.2d 1151
    , 1154 (Colo. App. 1990)(even where a plaintiff seeks
    32
    to recover money damages, a jury trial is not required if “the
    essence” of the action is equitable).
    ¶ 66   Beginning with the Consumer Act claims, we conclude that
    Shifrin is persuasive. In that case, as in this one, the Attorney
    General brought an action under the Consumer Act seeking
    injunctive relief, civil penalties, restitution, and disgorgement.
    Shifrin, ¶ 12. Noting that a majority of states, including
    Washington, treat similar consumer protection actions as equitable
    in nature, the division concluded that the defendant was not
    entitled to a jury trial. Id. at ¶¶ 18-22. The division explained that
    the Consumer Act serves primarily to deter and to punish deceptive
    trade practices, not to compensate injured parties. Id. at ¶ 21 (first
    citing Hall, 969 P.2d at 231; and then citing May Dep’t Stores Co. v.
    State ex rel. Woodard, 
    863 P.2d 967
    , 972 (Colo. 1993)). So,
    although the Consumer Act provides for civil penalties, restitution,
    and disgorgement, those monetary consequences are ancillary to
    the Act’s equitable thrust. Id. at ¶¶ 20-21. We agree with Shifrin,
    so we therefore conclude that the Consumer Act claims in this case
    are equitable.
    33
    ¶ 67   Turning to the Credit Code claim, we observe that the Credit
    Code does not provide for a jury trial as a matter of right. See
    § 5-6-115, C.R.S. 2020 (a defendant may request a jury trial). But,
    even assuming that the Credit Code claim in this case is legal, not
    equitable, in nature, we nonetheless conclude that the overall
    character of the action is equitable because the Consumer Act
    claims are more numerous and more substantive than the Credit
    Code claim. See Mason, ¶ 32.
    ¶ 68   Last, we note that the individual defendants assert that they
    were entitled to a jury trial because an individual defendant’s
    personal liability for corporate wrongdoing is a question of fact that
    must be resolved by a jury. We do not read the case that they cite
    for that proposition, Hoang v. Arbess, 
    80 P.3d 863
     (Colo. App.
    2003), so broadly.
    ¶ 69   The issue in Hoang was whether the trial court erred when it
    usurped the power of the jury — the case’s fact finder — by entering
    a directed verdict when the evidence did not support such a verdict.
    
    Id. at 868
    . In concluding that the trial court had erred, the division
    focused on the sufficiency of the evidence that had been presented
    at trial, explaining that “there was sufficient evidence presented
    34
    that defendant knew or should have known [about certain conduct].
    Hence, the issue of defendant’s negligence should not have been
    taken from the jury by directed verdict.” 
    Id. at 869
    .
    ¶ 70      But Hoang does not say that only a jury could have weighed
    the evidence and determined whether the defendant was liable. For
    example, if the fact finder in Hoang had been the court instead of
    the jury, the defendant’s personal liability would have remained a
    question of fact. The only difference would have been that, rather
    than moving for a directed verdict under C.R.C.P. 50 at the close of
    the plaintiffs’ case, the defendant would have moved to dismiss
    under C.R.C.P. 41(b)(1). Gold Hill Dev. Co., L.P. v. TSG Ski & Golf,
    LLC, 
    2015 COA 177
    , ¶ 44.
    ¶ 71      We conclude that CollegeAmerica was not entitled to a jury
    trial when this case was originally tried and that it will not be
    entitled to one on remand.
    III.   The Consumer Act Claims Are Not Barred by the Educational
    Malpractice Doctrine
    ¶ 72      The corporate defendants contend that the Attorney General’s
    first three claims constitute “improper qualitative attacks” on the
    education that CollegeAmerica provided. We address this issue
    35
    only to the extent that it was raised in a pretrial motion to dismiss.
    To the extent that this contention is based on evidence submitted at
    trial, we will not address it because we are reversing the judgment
    and remanding the case for a new trial.
    ¶ 73   As we shall explain, we disagree that the Consumer Act claims
    are barred by the educational malpractice doctrine.
    A.   Preservation
    ¶ 74   The corporate defendants asked the trial court to dismiss the
    Attorney General’s first three claims, arguing that they were
    “improperly premised upon challenging the value of a
    CollegeAmerica education, in violation of the bar on claims for
    educational malpractice and the mandatory deference to decisions
    made by educational accrediting organizations.” The court denied
    the motion, deciding that these claims were not premised on “the
    quality of [CollegeAmerica’s] educational programs.”
    B.    Standard of Review
    ¶ 75   We review the trial court’s ruling on a motion to dismiss under
    C.R.C.P. 12(b)(5) de novo. Ragan v. Ragan, 
    2021 COA 75
    , ¶ 14. In
    resolving a motion to dismiss, we accept all factual allegations in
    the complaint and attachments as true, viewing them in the light
    36
    most favorable to the plaintiff. Froid v. Zacheis, 
    2021 COA 74
    , ¶ 18.
    To state a claim upon which relief can be granted, “a party must
    plead sufficient facts that, if taken as true, suggest plausible
    grounds to support” the claim. Patterson v. James, 
    2018 COA 173
    ,
    ¶ 23 (citing Warne v. Hall, 
    2016 CO 50
    , ¶ 24).
    C.    Analysis
    ¶ 76   The corporate defendants assert that the Consumer Act “does
    not allow courts to value college education.” Yet, according to the
    corporate defendants, the allegations in the complaint — such as
    the claim that CollegeAmerica “misrepresented the outcomes, value
    and quality of their various degree programs” — ask the court to do
    just that.
    ¶ 77   The corporate defendants rely on CenCor, Inc. v. Tolman, 
    868 P.2d 396
    , 398 (Colo. 1994), in which our supreme court held that
    challenges to “the general quality of educational experiences
    provided to students have generally been rejected.” See also Tolman
    v. CenCor Career Colls., Inc., Div. of CenCor, Inc., 
    851 P.2d 203
    , 205
    (Colo. App. 1992)(“Since education is a collaborative and subjective
    process whose success is largely reliant on the student, and since
    the existence of such outside factors as a student’s attitude and
    37
    abilities render it impossible to establish any quality or curriculum
    deficiencies as a proximate cause to any injuries, we rule that there
    is no workable standard of care here and defendant would face an
    undue burden if forced to litigate its selection of curriculum and
    teaching methods.”), aff’d, 
    868 P.2d 396
    .
    ¶ 78   But, in this case, the Attorney General’s claims do not pertain
    to the quality of the education provided by CollegeAmerica. For
    example, none of the allegations relate to the quality of the
    instructors or curriculum at CollegeAmerica. Instead, the
    allegations are based on specific representations made by
    CollegeAmerica in its advertisements and during the admissions
    process — such as telling students that they could pursue a degree
    in sonography, get certified as an emergency medical technician, or
    qualify to sit for the limited scope radiology examination. See
    Tolman, 868 P.2d at 399 (holding claims based on an institution’s
    failure to provide “specifically promised educational services” are
    allowed). Such claims do not fall within the realm of educational
    malpractice. See Ross v. Creighton Univ., 
    957 F.2d 410
    , 416 (7th
    Cir. 1992)(rejecting claims of educational malpractice that ask the
    court “to evaluate the course of instruction . . . [and] review the
    38
    soundness of the method of teaching that has been adopted by an
    educational institution” (quoting Paladino v. Adelphi Univ., 
    454 N.Y.S.2d 868
    , 872 (App. Div. 1982))).
    ¶ 79   Further, we agree with the trial court that CollegeAmerica was
    not excluded from the purview of the Consumer Act simply because
    it is an educational institution that is subject to other regulation
    and oversight. “Our cases have consistently applied the [Consumer
    Act] to advertising and marketing practices that fit within its tenets
    based on the applicability of the Act to the actions alleged and
    without regard to the occupational status of the defendant.” Crowe,
    126 P.3d at 202.
    ¶ 80   This reasoning lines up with the rationale of cases in other
    jurisdictions that allow consumer protection act claims based on
    educational services. See, e.g., Alsides v. Brown Inst., Ltd., 
    592 N.W.2d 468
    , 474 (Minn. Ct. App. 1999)(“[N]othing in the statute or
    caselaw precludes application of the act to educational services
    provided by a private, proprietary, for-profit educational
    institution.”); Scott v. Ass’n for Childbirth at Home, Int’l, 
    430 N.E.2d 1012
    , 1015 (1981)(“[P]urchasers of educational services may be as
    39
    much in need of protection against unfair or deceptive practices in
    their advertising and sale as are purchasers of any other service.”).
    ¶ 81   Accordingly, we conclude that the record and the law support
    the trial court’s decision to deny the corporate defendants’ motion
    to dismiss.
    IV.     CollegeAmerica’s Use of National Wage Data in Its
    Advertisements Does Not Shield It from Liability
    ¶ 82   The corporate defendants next contend that “colleges cannot
    be liable for advertising truthful federal wage data that [the
    Department of Education] requires them to disclose.” To the extent
    that this contention is based on evidence presented during the trial,
    we do not address it because we have reversed the judgment, and
    we are remanding the case for a new trial. But, to the extent the
    corporate defendants assert that, as a matter of law, CollegeAmerica
    cannot be held liable under the Consumer Act for using national
    wage data in its advertisements, we disagree.
    A.   Background
    ¶ 83   As is pertinent to this issue, the crux of the Attorney General’s
    case concerning CollegeAmerica’s advertisements was that it
    routinely used national wage data to imply that, by attending
    40
    CollegeAmerica, consumers could expect to earn incomes similar to
    those being advertised, when, in reality, CollegeAmerica graduates
    made significantly less money. But, according to the corporate
    defendants, a federal regulation, 
    34 C.F.R. § 668.6
     (2019), required
    CollegeAmerica to disclose the national wage data to prospective
    students, so they cannot be held liable under the Consumer Act’s
    section 6-1-106(1)(a), C.R.S. 2020, which we describe next.
    B.    Law
    ¶ 84   Section 6-1-106(1)(a) provides that the Consumer Act does not
    apply to “[c]onduct in compliance with the orders or rules of, or a
    statute administered by, a federal, state, or local governmental
    agency.” Our supreme court has twice explained what this means.
    ¶ 85   First, in Showpiece Homes Corp. v. Assurance Co. of America,
    
    38 P.3d 47
     (Colo. 2001), the court reasoned that section
    6-1-106(1)(a) “exempts only those actions that are ‘in compliance’
    with other laws,” and “[c]onduct amounting to deceptive or unfair
    trade practices . . . would not appear to be ‘in compliance’ with
    other laws.” 
    Id. at 56
    . Moreover, the court emphasized that the
    section exists to avoid conflicts between laws, and, therefore, only
    those activities specifically authorized by a regulation or another
    41
    statute are exempt. 
    Id.
     Noting that “almost every business is
    subject to some type of regulation,” the court made clear that “the
    mere existence of a regulatory body to oversee certain standards of
    an industry does not remove all acts and practices of that industry
    from the provisions of the [Consumer Act].” 
    Id. at 56-57
    .
    ¶ 86   Then, in Crowe, a case concerning deceptive advertising, the
    court reaffirmed that section 6-1-106(1)(a) “does not . . . grant a
    wholesale exemption to any industry or occupation that is subject
    to regulation.” Crowe, 126 P.3d at 207.
    C.    Analysis
    ¶ 87   The corporate defendants submit that CollegeAmerica’s use of
    national wage data in its advertisements complied with 
    34 C.F.R. § 668.6
     (2019) and, as a result, is not conduct to which the
    Consumer Act applies. The regulation, which is no longer in effect,
    required schools to disclose certain information to prospective
    students: (1) the occupations that the program prepared students to
    enter, along with links to an online database, O*NET, containing
    detailed information — including national wage data — about those
    occupations; (2) the on-time graduation rate for students; (3) the
    cost of tuition, fees, books, and supplies; (4) the job placement rate
    42
    for students completing the program; and (5) the median loan debt
    incurred by students.
    ¶ 88    But nothing in the regulation required CollegeAmerica to use
    national wage data in its advertisements. At most, the regulation
    required them to disclose a link to O*NET. And, in any event, 
    34 C.F.R. § 668.6
     (2019) did not authorize it to use national wage data
    in a false or misleading manner, as the Attorney General alleged. In
    fact, as the Attorney General points out, another federal regulation,
    
    34 C.F.R. § 668.74
    (e) (2020), explicitly reads that a school may not
    make false, erroneous, or misleading statements concerning
    government job market statistics in relation to the potential
    placement of its graduates.
    ¶ 89    We therefore conclude that, as a matter of law,
    CollegeAmerica’s purported compliance with 
    34 C.F.R. § 668.6
    (2019) does not shield it from liability under the Consumer Act.
    V.    The Attorney General Did Not Prove That All EduPlan Loans
    Were Unconscionable
    ¶ 90    We now turn to the cross-appeal. The Attorney General
    contends that the trial court erred when it concluded that
    CollegeAmerica’s EduPlan loan program as a whole was not
    43
    unconscionable because the court misread section 5-6-112(3)(a).
    Although we agree that the court construed this section too
    narrowly, we nonetheless conclude that the court’s factual findings
    were supported by the record and that, based on those findings, the
    Attorney General did not prove that all EduPlan loans were either
    substantively or procedurally unconscionable. Accordingly, we
    affirm the court’s judgment in this regard.
    A.   Standard of Review
    ¶ 91   “When a court enters a judgment following a bench trial, that
    judgment presents a mixed question of law and fact.” State Farm
    Mut. Auto. Ins. Co. v. Johnson, 
    2017 CO 68
    , ¶ 12. We review legal
    conclusions de novo. 
    Id.
     We review factual findings for clear error,
    and we will not disturb those findings unless they are clearly
    erroneous and not supported by the record. Winston v. Polis, 
    2021 COA 90
    , ¶ 10.
    ¶ 92   This issue also involves statutory interpretation.
    ¶ 93   When construing a statute, our primary purpose is to
    ascertain and give effect to the General Assembly’s intent.
    Broomfield Senior Living Owner, LLC v. R.G. Brinkmann Co., 
    2017 COA 31
    , ¶ 17. To do so, we start with the language of the statute,
    44
    giving its words and phrases their plain and ordinary meanings. 
    Id.
    We read those words and phrases in context and construe them
    according to the rules of grammar and common usage. 
    Id.
     In so
    doing, we look at the scheme as a whole, giving consistent,
    harmonious, and sensible effect to all of its parts. 
    Id.
     We interpret
    statutes to effectuate the purpose of the legislative scheme.
    Tallman Gulch Metro. Dist. v. Natureview Dev., LLC, 
    2017 COA 69
    ,
    ¶ 12. We must avoid constructions that would render any words or
    phrases superfluous or lead to illogical or absurd results. Elder v.
    Williams, 
    2020 CO 88
    , ¶ 18.
    ¶ 94   If the statutory language is clear and unambiguous, we apply
    it as written and look no further. Vallagio at Inverness Residential
    Condo. Ass’n v. Metro. Homes, Inc., 
    2017 CO 69
    , ¶ 16. If, however,
    the statute is ambiguous, then we may consider other tools of
    statutory construction, including the statute’s legislative history,
    the ends to be achieved by the statute, and the consequences of a
    given construction. Bernache v. Brown, 
    2020 COA 106
    , ¶ 24. A
    statute is ambiguous if it is susceptible of multiple reasonable
    interpretations. Nieto v. Clark’s Mkt., Inc., 
    2021 CO 48
    , ¶ 13.
    45
    B.   The Credit Code
    ¶ 95   The Credit Code regulates consumer credit transactions,
    including consumer loans, leases, and credit sales. Oasis Legal Fin.
    Grp., LLC v. Coffman, 
    2015 CO 63
    , ¶ 34. Among other things, it
    empowers the administrator of the Code to bring a civil action to
    restrain a creditor from making or enforcing unconscionable terms
    or provisions in consumer loans, § 5-6-112(1)(a), or from engaging
    in a course of fraudulent or unconscionable conduct in inducing
    consumers to enter into such loans, § 5-6-112(1)(b). Subsection
    (1)(a) describes substantive unconscionability. Subsection (1)(b)
    describes procedural unconscionability.
    ¶ 96   To grant relief under section 5-6-112, a court must make three
    findings: (1) that the creditor has made unconscionable agreements
    or has engaged or is likely to engage in a course of fraudulent or
    unconscionable conduct; (2) that the conduct or agreements have
    caused or are likely to cause consumer injury; and (3) that the
    creditor has been able to cause injury primarily because the
    transactions involved are credit transactions. § 5-6-112(2)(a)-(c).
    ¶ 97   In applying section 5-6-112, a court is required to consider
    each of the six factors spelled out in subsection (3), which we will
    46
    discuss in more detail below, and it may consider other factors at
    its discretion. See § 5-6-112(3) (“consideration shall be given to
    each of the following factors, among others”)(emphasis added); see
    also Nieto, ¶ 32 (“[W]e have ‘consistently held that the use of the
    word “shall” in a statute is usually deemed to involve a mandatory
    connotation.’” (quoting People v. Dist. Ct., 
    713 P.2d 918
    , 921 (Colo.
    1986))).
    C.    Analysis
    ¶ 98   The trial court made detailed factual findings concerning the
    subsection (3) factors. It then concluded that, with respect to
    fourteen identified borrowers — students who were incapable of
    performing college-level work because of either severe learning
    disabilities or “dire” economic circumstances; students who took
    out loans to pursue a degree in sonography, to seek EMT
    certification, or to sit for the limited scope radiology examination;
    and students for whom a loan was created and their signature
    “waived” — CollegeAmerica had engaged in fraudulent or
    unconscionable conduct in inducing them to enter into their
    EduPlan loans. At the same time, the court found that the EduPlan
    47
    loan program, as a whole, was not unconscionable. The Attorney
    General takes issue with the latter conclusion.
    ¶ 99    Specifically, the Attorney General contends that the court
    misapplied factor (3)(a), which we shall call the “probability of
    repayment” factor, that instructs courts to consider “[w]hether the
    creditor should have reasonably believed at the time [the loan was]
    made that, according to the credit terms or schedule of payments,
    there was no reasonable probability of payment in full of the
    obligation by the consumer.” § 5-6-112(3)(a).
    ¶ 100   According to the court, application of this factor begins and
    ends with the terms of a loan — and, therefore, does not require
    consideration of a borrower’s personal circumstances — because
    the phrase “according to the credit terms or schedule of payments”
    tells courts that the loan’s terms should be the focus of their
    analysis.
    ¶ 101   Said differently, the court explained that the factor worked
    against the Attorney General because, even though the court found
    that CollegeAmerica annually wrote off upwards of forty percent of
    outstanding EduPlan loan debt as uncollectible, the Attorney
    General did not “tie[] CollegeAmerica students’ poor performance on
    48
    paying off their EduPlan loans directly and specifically to the credit
    terms and payment schedules of the loans themselves, as required
    by the statute.”
    ¶ 102   The Attorney General contends that the court’s reading is too
    narrow and contravenes the legislative intent of the Credit Code.
    Although we conclude that the probability of repayment factor is
    ambiguous, we nonetheless agree with the Attorney General that
    the trial court read that factor inconsistently with the General
    Assembly’s intent.
    ¶ 103   Looking first at the language of section 5-6-112(3)(a), we
    conclude that the probability of repayment factor is susceptible of
    multiple reasonable interpretations. On the one hand, the factor
    explicitly directs a court to look at the terms of a loan when
    determining whether the creditor should have reasonably believed
    that full repayment of the loan was likely. On the other hand, the
    factor indicates that this determination must be made with
    reference to “the consumer.” In other words, a court must decide
    whether a reasonable lender would have thought it reasonably
    probable that this borrower would fully repay a loan with these
    terms. Further complicating matters, the text of the factor does not
    49
    explain who “the consumer” is or which factors concerning a
    consumer’s circumstances warrant consideration.
    ¶ 104   Our task is to resolve the tension between these competing
    interpretations. To do so, we first consider the Credit Code’s
    legislative history. See Bernache, ¶ 24. As is relevant to the
    question before us, the Credit Code was repealed and reenacted in
    2000, at which time the probability of repayment factor was
    amended. Before 2000, this factor instructed courts to consider
    “[b]elief by the creditor at the time [the loan was] made that there
    was no reasonable probability of payment in full of the obligation by
    the debtor.” § 5-6-111(3)(a), C.R.S. 1999.
    ¶ 105   There are two relevant differences between the old version of
    the factor and the current one: (1) the factor is now objective
    instead of subjective; and (2) the clause “according to the credit
    terms or schedule of payments” was added. We are concerned with
    the second change.
    ¶ 106   Before the amendment, a court was free to consider whatever
    facts it found relevant when deciding whether a lender believed full
    repayment by a borrower was reasonably probable. After the
    amendment, a court is obligated to consider the terms of the loan.
    50
    The question is whether a court’s inquiry is now limited to only the
    terms. We think the answer is “no,” and our conclusion finds
    support in a report that was authored by the Credit Code Revision
    Committee in anticipation of the 2000 amendments.
    ¶ 107   According to the report, the probability of repayment factor
    “should be amended to require that the creditor’s belief be
    objectively reasonable and that the ability to repay also be based on
    the repayment terms of the obligation.” Laura E. Udis, Adm’r of the
    Unif. Consumer Credit Code, Report of the Uniform Consumer Credit
    Code Revision Committee and Actions of the Colorado Commission on
    Consumer Credit (Nov. 30, 1999)(emphasis added.) This strongly
    suggests that, while the terms of a loan are one thing a court
    should consider when applying the factor, they are not the only
    thing. See Roberts v. People, 
    130 P.3d 1005
    , 1009 (Colo. 2006)(“The
    word ‘also’ implies . . . in addition to . . . .”).
    ¶ 108   Turning next to the Credit Code’s statutory goals, see
    Bernache, ¶ 24, the General Assembly declared that the Credit Code
    “shall be liberally construed and applied to promote its underlying
    purposes and policies.” § 5-1-102(1), C.R.S. 2020. One of those
    purposes is to protect consumer borrowers against unfair practices
    51
    by suppliers of consumer credit. § 5-1-102(2)(d). Interpreting the
    probability of repayment factor as allowing a court to consider more
    than just the loan terms furthers this purpose.
    ¶ 109   In addition, our interpretation avoids illogical results. For
    example, if a court is only allowed to consider the credit terms or
    payment schedule, a creditor would be allowed to make a credit
    sale, a loan, or a lease to a consumer whom the creditor knows
    would be unable to fully repay, so long as the terms of the
    transaction are facially fair. This is precisely the kind of
    unscrupulous behavior that the Credit Code is intended to prevent.
    ¶ 110   So, based on the Credit Code’s legislative history and purpose,
    we conclude that the probability of repayment factor requires courts
    to look beyond the terms of a loan to the circumstances of the
    consumer.
    ¶ 111   The Attorney General makes an additional point. Based on
    the evidence that was presented at trial, the Attorney General
    thinks that the phrase “the consumer” means borrowers in the
    aggregate. That is, the Attorney General wants to rely on statistics
    about the EduPlan loan program as a whole (e.g., a high default
    rate) to demonstrate that a reasonable creditor would not have
    52
    thought that there was a reasonable probability that any EduPlan
    loan would be repaid in full. But, instead of borrowers in the
    aggregate, section 5-6-112 directs a court to look at “the” — not “a”
    — borrower. See People v. Flynn, 
    2020 COA 54
    , ¶ 17 (“It is a rule of
    law well established that the definite article ‘the’ particularizes the
    subject which it precedes. It is a word of limitation as opposed to
    the indefinite or generalizing force of ‘a’ or ‘an.’”); see also People v.
    Wentling, 
    2015 COA 172
    , ¶ 15 (“‘A’ is an indefinite article indicating
    that the noun it refers to is not particular, and it is ‘used as a
    function word before most singular nouns . . . when the individual
    in question is undetermined, unidentified, or unspecified.’” (quoting
    Webster’s Third New International Dictionary 1 (2002))).
    ¶ 112   We further conclude that this means that the Attorney General
    could not, as the trial court pointed out, rely solely on evidence that
    is “statistical and macroeconomic in nature” when attempting to
    prove that a given loan is substantively unconscionable. Rather,
    the probability of repayment factor requires evidence about specific
    consumers.
    ¶ 113   Reading subsection (3) as a whole also supports our
    conclusion because other factors in subsection (3) direct the court
    53
    to consider specific consumers. See In re Marriage of Herold, 
    2021 COA 16
    , ¶ 8 (“When interpreting a statute, we read and consider
    the statute as a whole . . . .”). For example, subsection (3)(b) directs
    courts to consider “[w]hether the creditor reasonably should have
    known, at the time of the transaction, of the inability of the
    consumer to receive substantial benefits from the transaction.”
    § 5-6-112(3)(b) (emphasis added). Whether a borrower will be able
    to substantially benefit from a loan would seem to depend primarily
    on that borrower’s individual circumstances.
    ¶ 114   Similarly, subsection (3)(e) directs courts to consider whether
    a creditor “has knowingly taken advantage of the inability of the
    consumer reasonably to protect his or her interests by reason of
    physical or mental infirmities, ignorance, illiteracy, or inability to
    understand the language of the agreement, or similar factors.”
    § 5-6-112(3)(e) (emphasis added). These reasons relate to specific
    consumers — not aggregate data.
    ¶ 115   Our conclusion is also consistent with how the Attorney
    General and the court both treated the factor with respect to the
    allegations of procedural unconscionability. For each of the
    fourteen borrowers for whom the court granted relief under
    54
    subsection (1)(b), the Attorney General introduced evidence specific
    to those borrowers that, in turn, allowed the court to find that they
    had been treated unconscionably by CollegeAmerica.
    ¶ 116   Last, we do not address the Attorney General’s contention that
    a court may find a loan unconscionable based on the probability of
    repayment factor alone because, even if we accept that contention,
    the court ultimately did what the Attorney General asked it to do,
    which was to consider the terms of EduPlan loans in conjunction
    with the Attorney General’s statistical and macroeconomic evidence.
    Still the court found that this factor “militates against a finding of
    unconscionability in the EduPlan program.”
    VI.   The Case Must Be Reassigned to a Different Judge on Remand
    ¶ 117   Finally, the corporate defendants request that we order that all
    further proceedings on remand be held before a different judge on
    remand. We grant that request.
    A.   Background
    ¶ 118   With nearly fifty witnesses testifying over four weeks, the trial
    presented a massive undertaking for everyone involved, including
    the court. It was therefore not surprising that, at the trial’s end,
    the court took the case under advisement and cautioned the parties
    55
    that “[w]e will have a written order as soon as possible . . . but it’s
    going to take a while to work through all of it.”
    ¶ 119   But the court took about two years and nine months to issue
    its judgment. In a post-trial motion, CollegeAmerica asked the
    court to grant them a new trial and transfer the case to a different
    judge because “avoiding an appearance of impropriety and
    preserving the reality and appearance of justice demand a fresh
    start.” The court denied the motion.
    B.    Analysis
    ¶ 120   The corporate defendants’ request to reassign this case to a
    different judge on remand is “extraordinary” and “should be granted
    only when ‘there is proof of personal bias or under extreme
    circumstances.’” Guy v. Whitsitt, 
    2020 COA 93
    , ¶ 37 (quoting
    United States v. Aragon, 
    922 F.3d 1102
    , 1113 (10th Cir. 2019)). We
    do not think that the judge who presided over the trial harbors any
    personal bias that renders him unfit to preside. But we conclude
    that the significant delay in issuing the court’s order is an extreme
    circumstance that requires a new judge to take over the case on
    remand to “preserve the appearance of justice.” Aragon, 922 F.3d
    at 1113 (quoting Mitchell v. Maynard, 
    80 F.3d 1433
    , 1450 (10th Cir.
    56
    1996)); see also In re Jones, 
    728 P.2d 311
    , 314 (Colo. 1986)(A
    judge’s “inexcusable delay” of two years and three months in
    issuing a decision after a bench trial “was detrimental to the
    interests of the litigants” and “tended to cast disrepute upon the
    entire judicial system.”).
    ¶ 121   The judgment is affirmed in part and reversed in part, and the
    case is remanded for proceedings consistent with this opinion.
    JUDGE WELLING and JUDGE TOW concur.
    57