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HB26-1311 • 2026

Retainage Surety Bond Construction Contracts

Under Colorado law, a private property owner is prohibited from retaining more than 5% of a construction contract as retainage if the contract is at least $150,000. The act authorizes a contractor to

Labor
Enacted

This bill passed the Legislature and reached final enactment based on the latest official action.

Sponsor
Rep. M. Carter, Rep. M. Duran, Sen. S. Bright, Sen. M. Snyder, Rep. R. Gonzalez, Rep. B. Titone, Sen. J. Amabile, Sen. A. Benavidez, Sen. J. Coleman, Sen. L. Cutter, Sen. T. Exum, Sen. L. Frizell, Sen. J. Gonzales, Sen. I. Jodeh, Sen. C. Kipp, Sen. C. Kolker, Sen. R. Rodriguez, Sen. K. Wallace
Last action
2026-05-07
Official status
Governor Signed
Effective date
Not listed

Plain English Breakdown

The effective date is conditional on a potential referendum petition and subsequent election results if filed.

Using Bonds Instead of Withholding Money on Construction Contracts

This law allows contractors and subcontractors to use a surety bond instead of having money withheld from their payment for private construction projects.

What This Bill Does

  • Allows contractors or subcontractors to offer a retainage bond in place of the owner withholding up to 5% of the contract price.
  • Requires property owners and contractors to accept a valid bond that meets specific standards instead of holding back money.
  • Defines a 'like bond' as an equivalent bond submitted by a subcontractor to a contractor when the main contractor uses one with the owner.
  • Sets rules requiring the bonded party to faithfully perform contract provisions and pay laborers, suppliers, and other workers amounts owed.
  • Excludes contracts involving property owned by public entities or those from public-private partnerships.

Who It Names or Affects

  • Private property owners hiring contractors
  • General contractors working on private construction projects
  • Subcontractors hired for portions of the work

Terms To Know

Retainage Bond
A surety bond issued by an insurer licensed in Colorado that guarantees a contract will be completed satisfactorily or materials meet specifications.
Like Bond
A retainage bond submitted by a subcontractor to a contractor that is substantially equivalent to the bond given to the property owner.

Limits and Unknowns

  • This law does not apply to contracts for public entities or public-private partnerships.
  • The effective date depends on whether voters file a referendum petition within ninety days after the legislative session ends; if filed, it requires voter approval in November 2026.
  • Property owners may require the insurance company issuing the bond to have a minimum financial strength rating of 'A-' or lower.

Amendments

These notes stay tied to the official amendment files and metadata from the legislature.

L.002

Second Reading

Passed [**]

Plain English: This amendment clarifies that the new rules about holding back money on construction contracts do not apply to projects owned by government agencies or public-private partnerships.

  • The law will no longer limit how much money can be held back for construction work done on property owned by a public entity, such as a city or state agency.
  • The provided text only shows the specific addition to page 4 of the bill and does not include the full context of what 'subsection (1)(b)' originally required.
  • Because the original rules are missing from this snippet, it is unclear exactly how much money could be held back on public projects without seeing the rest of the law.

Bill History

  1. 2026-05-07 Governor

    Governor Signed

  2. 2026-04-28 Governor

    Sent to the Governor

  3. 2026-04-28 Senate

    Signed by the President of the Senate

  4. 2026-04-28 House

    Signed by the Speaker of the House

  5. 2026-04-07 Senate

    Senate Third Reading Passed - No Amendments

  6. 2026-04-06 Senate

    Senate Second Reading Passed - No Amendments

  7. 2026-03-31 Senate

    Senate Committee on Finance Refer Unamended to Senate Committee of the Whole

  8. 2026-03-25 Senate

    Introduced In Senate - Assigned to Finance

  9. 2026-03-23 House

    House Third Reading Passed - No Amendments

  10. 2026-03-20 House

    House Second Reading Special Order - Passed with Amendments - Floor

  11. 2026-03-18 House

    House Committee on Business Affairs & Labor Refer Unamended to House Committee of the Whole

  12. 2026-03-02 House

    Introduced In House - Assigned to Business Affairs & Labor

Official Summary Text

Under Colorado law, a private property owner is prohibited from retaining more than 5% of a construction contract as retainage if the contract is at least $150,000. The act authorizes a contractor to submit a retainage bond in lieu of withholding retainage, and a private property owner must accept the retainage bond and not withhold the retainage if the retainage bond meets the act's standards. A subcontractor may require the contractor to submit a bond in lieu of retainage for the subcontractor's portion of the retainage. The contractor may require the subcontractor to submit a like bond to the contractor.
(Note: This summary applies to this bill as enacted.)

Current Bill Text

Read the full stored bill text
HOUSE BILL 26-1311
BY REPRESENTATIVE(S) Duran and Carter, Gonzalez R., Titone;
also SENATOR(S) Bright and Snyder, Amabile, Benavidez, Cutter, Exum,
Frizell, Gonzales J., Jodeh, Kipp, Kolker, Rodriguez, Wallace, Coleman.
CONCERNING THE USE OF A BOND IN LIEU OF RET AINA GE IN CONSTRUCTION
CONTRACTS.
Be it enacted by the General Assembly of the State of Colorado:
SECTION 1. In Colorado Revised Statutes, 38-46-101, add (2.5)
and (4.5) as follows:
38-46-101. Definitions.
As used in this article 46, unless the context otherwise requires:
(2.5) "LIKE BOND" MEANS A RETAINAGE BOND SUBMITTED BY A
SUBCONTRACTOR TO A CONTRACTOR OR SUBCONTRACTOR THAT IS
SUBSTANTIALLY EQUIVALENT TO THE RETAINAGE BOND SUBMITTED BY THE
CONTRACTOR OR SUBCONTRACTOR TO THE PROPERTY OWNER OR
CONTRACTOR.
Capital letters or bold & italic numbers indicate new material added to existing law; dashes
through words or numbers indicate deletions from existing law and such material is not part of
the act.
( 4.5) "RETAINAGE BOND" MEANS A SURETY BOND THAT IS ISSUED BY
AN INSURER LICENSED TO ISSUE THE BOND IN COLORADO AS ASSURANCE FOR
THE PERSON ACCEPTING THE BOND THAT:
(a) A CONTRACT OR SUBCONTRACT WILL BE SATISFACTORILY
COMPLETED; OR
(b) THE GOODS, MATERIALS, OR EQUIPMENT MEETS THE
SPECIFICATIONS NECESSARY FOR SATISFACTORY PERFORMANCE OF A
CONTRACT OR SUBCONTRACT.
SECTION 2. In Colorado Revised Statutes, 38-46-103, amend (1)
as follows:
38-46-103. Private construction contracts - retainage -
conditions precedent.
(1) (a) A property owner, contractor, or subcontractor shall not
withhold as retainage more than five percent of the price of the work
completed under the contract or subcontract. Making a partial payment
under this subsection (1) is not acceptance or approval of some of the work
or of a waiver of defects in the work.
(b) (I) IN LIEU OF RETAINAGE, A SUBCONTRACTOR OR CONTRACTOR
MAY TENDER A RETAINAGE BOND IN AN AMOUNT NOT TO EXCEED FIVE
PERCENT OF THE MONEY EARNED BY THE SUBCONTRACTOR OR CONTRACTOR.
IF THE CONTRACTOR OR SUBCONTRACTOR TENDERS A RETAINAGE BOND
MEETING THE REQUIR EMENTS OF SUBSECTIONS ( 1 )(b )(II) AND ( 1 )(b )(Ill) OF
THIS SECTION, THE PROPERTY OWNER, CONTRACTOR, OR SUBCONTRACTOR
SHALL ACCEPT THE RET AINA GE BOND AND RELEASE THE RET AINA GE
COVERED BY THE RETAINAGE BOND.
(11) TO COMPLY WITH SUBSECTION (1 )(b )(1) OF THIS SECTION, THE
CONTRACTOR OR SUBCONTRACTOR MUST PROVIDE A RETAINAGE BOND
MEETING THE REQUIREMENTS OF SUBSECTION (l)(b)(l11) OF THIS SECTION
AND MUST:
(A) FAITHFULLY PERFORM ALL THE PROVISIONS OF THE CONTRACT
ORSUBCONTRACT;AND
PAGE 2-HOUSE BILL 26-1311
(B) PAY ALL LABORERS, SUPPLIERS, AND SUBCONTRACTORS
AMOUNTS OWED UNDER THE CONTRACT OR SUBCONTRACT.
(Ill) THE PROPERTY OWNER OR CONTRACTOR MAY REQUIRE THAT
THE AUTHORIZED SURETY HAVE A MINIMUM A.M. BEST, OR A SUCCESSOR
INSTITUTION, FINANCIAL STRENGTH RA TING, SO LONG AS THE REQUIRED
MINIMUM RATING DOES NOT EXCEED "A-". THE CONTRACTOR MAY
WITHHOLD THE SUBCONTRACTOR'S PORTION OF THE BOND PREMIUM, TO THE
EXTENT THE CONTRACTOR PROVIDES A RET AINAGE BOND TO OBTAIN A
RELEASE OF THE SUBCONTRACTOR'S RETAINAGE.
(IV) THE CONTRACTOR OR PROPERTY OWNER MUST ACCEPT A BOND
MEETING THE REQUIREMENTS OF SUBSECTION (l)(b)(III) OF THIS SECTION.
THE SUBCONTRACTOR'S OR CONTRACTOR'S BOND AND THE PROCEEDS FROM
THE BOND ARE SUBJECT TO A CLAIM AND LIEN IN THE SAME MANNER AND
PRIORITY AS SET FORTH IN ARTICLE 22 OF THIS TITLE 38.
(V) WHEN A PROPERTY OWNER ACCEPTS A BOND IN LIEU OF
RETAINAGE FROM A CONTRACTOR, THE CONTRACTOR MUST ACCEPT A LIKE
BOND FROM ANY SUBCONTRACTOR THAT SUBMITS A BOND IN LIEU OF
RETAINAGE UNDER THIS SUBSECTION (l)(b).
(VI) THIS SUBSECTION (l)(b) DOES NOT APPLY TO A CONTRACT OR
SUBCONTRACTTHA T CONCERNS PROPERTY OWNED BY A PUBLIC ENTITY. THE
EXEMPTION DESCRIBED IN THIS SUBSECTION ( 1 )(b )(VI) INCLUDES A
CONTRACT OR SUBCONTRACT THAT RESULTS FROM A PUBLIC-PRIVATE
PARTNERSHIP.
SECTION 3. Act subject to petition - effective date -
applicability. (1) This act takes effect at 12:01 a.m. on the day following
the expiration of the ninety-day period after final adjournment of the
general assembly (August 12, 2026, if adjournment sine die is on May 13,
2026); except that, if a referendum petition is filed pursuant to section 1 (3)
of article V of the state constitution against this act or an item, section, or
part of this act within such period, then the act, item, section, or part will
not take effect unless approved by the people at the general election to be
held in November 2026 and, in such case, will take effect on the date of the
official declaration of the vote thereon by the governor.
PAGE 3-HOUSE BILL 26-1311
(2) This act applies to contracts created on or after the applicable
effective date of this act.
Ju~ ~
SPEAKER OF THE HOUSE
OF REPRESENTATIVES
v~ 4
Vanessa Reilly ~
CHIEF CLERK OF THE HOUSE
OF REPRESENTATIVES
PAGE 4-HOUSE BILL 26-1311
James Rashad Coleman, Sr.
PRESIDENT OF
THE SENATE
Esther van Mourik
SECRETARY OF
THE SENATE
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