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Compliance
Wisconsin Regulations (Wis. Admin. Code)

Wisconsin regulations most commonly referenced by credit unions grouped by agency.


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DFI-WCA | DWD | INS | NR | Tax


WI - Wis. Admin. Code (all)
- Wis. Admin. Code (all)
View the table of contents for the Wis. Admin. Code.


Adm - Administration
Adm 70
Electronic recording of documents in Wisconsin county register of deeds offices.

The purpose of this chapter is to establish uniform recording standards and practices, provide for integrity and security of transmissions and promote efficiencies and improved service for electronic recording of documents in Wisconsin county register of deeds offices.

Adm 70.01 Purpose.
Adm 70.02 Definitions.
Adm 70.03 Standards.
Adm 70.04 Business requirements and guidelines.
Adm 70.05 Trusted submitter agreement.
Adm 70.06 Legal description.
Adm 70.07 Notarization of documents.
Adm 70.08 Return and rejection of documents.
Adm 70.09 Method of payment.
Adm 70.10 Business rules


ATCP - Ag, Trade & Consumer Protection
ATCP 127
Direct Marketing
Subchapter V - Telephone Solicitations; No-Call List.


DCF – Children and Families
DCF 152
Child Support Administrative Enforcement
The child support administration regulation as issued by the Wisconsin Department of Workforce Development and registered July, 1999. It covers the following topics:
  • DCF 152.01 Authority and purpose.
  • DCF 152.02 Applicability.
  • DCF 152.03 Definitions.
  • DCF 152.04 Written notice of enforcement actions.
  • DCF 152.05 Administrative forfeitures for noncompliance with administrative subpoenas and requests for information.
  • DCF 152.06 Liens.
  • DCF 152.07 Financial record review.
  • DCF 152.08 Seizure of property.
  • DCF 152.09 Notice of the payee of enforcement proceedings.
  • DCF 152.10 Thresholds for administration enforcement actions.
  • DCF 152.11 Alternative payment plans.
  • DCF 152.12 Agreements with financial institutions.



DFI-BKG-Financial Institution Banking
DFI-Bkg 40
Definitions and requirements for mortgage banking regulation
These rules do not apply to MLOs employed by credit unions, but do apply to MLOs employed by CUSOs.

DFI-Bkg 41
Fees and renewals
These rules do not apply to MLOs employed by credit unions, but do apply to MLOs employed by CUSOs.

DFI-Bkg 42
Trust accounts
These rules do not apply to MLOs employed by credit unions, but do apply to MLOs employed by CUSOs.

DFI-Bkg 43
Ethical and competent practice by mortgage bankers, mortgage brokers and mortgage loan originators
These rules do not apply to MLOs employed by credit unions, but do apply to MLOs employed by CUSOs.

DFI-Bkg 44
Mortgage broker agreements and consumer disclosure statements
These rules do not apply to MLOs employed by credit unions, but do apply to MLOs employed by CUSOs.

DFI-Bkg 46
Responsible high cost mortgage lending
These rules do not apply to MLOs employed by credit unions, but do apply to MLOs employed by CUSOs.

DFI-Bkg 47
Repealed 2013 Wis. Act 277, Register May 2014, No. 701, eff. 6-1-14



DFI-CU - Financial Institutions - CU
DFI-CU - Financial Institutions - CU
DFI-Credit Unions (DFI-CU)

DFI-CU 51
Credit Unions
51.01 Membership defined.

DFI-CU 54
Real Estate Mortgage Loans
54.01 Purpose and scope.
54.02 Definitions.
54.03 Limitations on real estate mortgage loans.
54.04 Loan policies.
54.05 Required documentation.

DFI-CU 56
Credit Unions Review Board
56.01 Rules of procedure.
56.02 Definition.
56.03 Form of notice of appeal.
56.04 Procedure.
56.05 Service and filing of papers.
56.06 Conduct of hearings; continuances; appearances; examination of witnesses.
56.07 Subpoenas.
56.08 Prehearing conferences.
56.09 Arguments.
56.10 Variances.
56.11 Stay of proceedings.

DFI-CU 57
Retention of Credit Union Books and Records
57.01 Retention of records. Each credit union shall retain its records in a manner consistent with prudent business practices and in accordance with this chapter and other applicable state or federal laws, rules, and regulations. The record retention system utilized must be able to accurately produce such records.
57.02 Records management.
57.03 Destruction of records.
57.04 Availability.

DFI-CU 58
Sale of Credit Life and Health and Accident Insurance in Connection with Credit Union Loans
58.01 Commissions.
58.02 Disposition of commissions.
58.03 Reports to insurance companies.

DFI-CU 59
Miscellaneous Investments by Credit Unions
59.01 Miscellaneous investments.
59.02 Definition.
59.03 Minimum requirements.
59.04 Director's consent.

DFI-CU 60
Savings, Dividend Periods and Early Withdrawal Penalties
60.01 Definition.
60.02 Dividend periods.
60.03 Term share accounts.
60.04 Passbook savings accounts.
60.05 Early withdrawal penalties.
60.06 Credit union dissolution.

DFI-CU 61
Credit Union Purchase or Acquisition of Interests in Credit Sales Transactions
61.01 Limitations.
61.02 Interest rates.
61.03 Sharing of interest.
61.04 Dealer financial statements.

DFI-CU 62
Supervisory orders
62.01 Supervisory orders.
62.02 Stay of order during appeal.

DFI-CU 63
Remote Service Units
63.01 Joint rules.
63.02 Definitions.
63.03 Advance notice and approval required.
63.04 Restrictions on access prohibited.
63.05 Discriminatory rates or services prohibited.
63.06 Confidentiality and security requirements.
63.07 Allocation of liability.
63.08 Customer service and disclosure requirement.
63.10 Advertising restrictions.
63.11 Filing of supplemental information.

DFI-CU 65
Repealed 2013 Wis. Act 277, Register May 2014, No. 701, eff. 6-1-14

DFI-CU 66
Credit Union Limited Services Offices Located Out-of-State
66.01 Purpose.
66.02 Requirements.
66.03 Services.
66.04 Examination fee.

DFI-CU 67
Repealed 2013 Wis. Act 277, Register May 2014, No. 701, eff. 6-1-14

DFI-CU 68
Investment Authority Parity with Federal Credit Unions
68.01 Purpose and scope.
68.02 Interpretation.
68.03 Definitions.
68.04 Board responsibilities.
68.05 General authority.
68.06 Authorized activities.
68.07 Prohibited activities.

DFI-CU 69
Non-preferential Loan Treatment for Officials
69.01 Statement of policy.
69.02 Definition.
69.03 Preferential loan treatment prohibited.

DFI-CU 70
Repealed 2013 Wis. Act 277, Register May 2014, No. 701, eff. 6-1-14

DFI-CU 71
Leasing of Personal Property
71.01 Purpose and scope.
71.02 Definitions.
71.03 Authority to lease personal property.
71.04 Recovery in the event of default.
71.05 Application of other laws.
71.06 Limitation on leasing concentrations.

DFI-CU 72
Member Business Loans (State-chartered credit unions)
72.01 Definitions.
72.02 Member business loan.
72.03 Prohibited member business loans.
72.04 Construction and development loans.
72.05 Implementation of a member business loan program.
72.06 Member business loan policy requirements.
72.07 Collateral and security requirements.
72.08 Amount of loan.
72.09 Calculating the aggregate 15% limit.
72.10 Available waivers.
72.11 Obtaining a waiver.
72.14 Aggregate member business loan limit.
72.15 Exceptions to the aggregate business loan limit.
72.16 Obtaining an exception.
72.17 Record keeping requirements.

DFI-CU 73
Audits and Verifications
DFI-CU 73.01 Purpose and scope.
DFI-CU 73.02 Definitions.
DFI-CU 73.03 General responsibilities of the board of directors.
DFI-CU 73.04 Audit of credit unions with total assets of $500 million or greater.
DFI-CU 73.05 Audit of credit unions with total assets of less than $500 million.
DFI-CU 73.06 Alternatives to financial statement audit. ,BR> DFI-CU 73.07 Requirements for verification of accounts and passbooks.
DFI-CU 73.08 Compensated auditor.
DFI-CU 73.09 Audit report and working papers.
DFI-CU 73.10 Sanctions.

DFI-CU 74
Debt Cancellation Contracts and Debt Suspension Agreements, for Wisconsin state-chartered credit unions.
74.02 Definitions.
74.03 Debt cancellation contracts and debt suspension agreements.
74.04 Prohibited practices.
74.05 Refunds of fees in the event of termination or repayment of covered loan.
74.06 Method of payment of fees.
74.07 Disclosures.
74.08 Affirmative election to purchase and acknowledgement of receipt of disclosures required.
74.09 Safety and soundness.

DFI-CU 75 eff. 07/01/2014
Authorized Incidental Powers Activities, for Wisconsin state-chartered credit unions.
75.01 Purpose.
75.02 Interpretation.
75.03 Definitions.
75.04 Incidental powers activities.
  • (1) Certification services.
  • (2) Charitable contributions and donations.
  • (3) Charitable donation accounts.
  • (4) Correspondent services.
  • (5) Electronic financial services.
  • (6) Excess capacity.
  • (7) Financial counseling services.
  • (8) Finder activities.
  • (9) Loan-related products.
  • (10) Marketing activities.
  • (11) Monetary instrument services.
  • (12) Operational programs.
  • (13) Stored value products.
  • (14) Trustee or custodial services.

  • [see the rule for details]

DFI-CU 75.01
Authorized Incidental Powers Activities, for Wisconsin state-chartered credit unions.
75.01 Purpose - The purpose of this chapter is to set forth a list of incidental powers activities that are authorized for federally chartered credit unions and in which Wisconsin- chartered credit unions may engage, pursuant to s. 186.118, Stats.

DFI-CU 75.02
Authorized Incidental Powers Activities, for Wisconsin state-chartered credit unions.
75.02 Interpretation. The interpretation of rules in this chapter shall be coordinated with and parallel to the interpretation of federal laws and regulations from which these rules are derived, except as otherwise provided for by Wisconsin law.


DFI-Sec - Financial Inst.-Securities
DFI-Sec _1.02
Title and Definitions
1.02 Definitions. In ch. 551, Stats., and chs. DFI-Sec 1 to 36 and unless the context otherwise requires:
*****
(2) "Broker-dealer" as defined in s. 551.102 (4), Stats., does not include:
*****
(c) Any financial institution which by contract, agreement or other means associates with a broker-dealer registered in Wisconsin or by the broker-dealer provides securities services on the premises of the financial institution in accordance with s. DFI-Sec 4.05(8).

DFI-Sec _4.05
Registration of broker-dealers and agents
4.05 Practice rules.

DFI-Sec _5.05
Registration and notice filing procedures for investment advisers, federal covered investment advisers, and investment adviser representatives
5.05 Practice and advisory contract rules.

DFI-Sec 32.03
Exemption and registration of franchises
32.03 Material events or material changes affecting exempted franchisors and their franchises.


DFI-WCA – Wisconsin Consumer Act
DFI-WCA 1
Wisconsin Consumer Act
  • Note: Chapter DFI-Bkg 80 as it existed on July 31, 2007, was renumbered to Ch. DFI-WCA 1 under s. 13.93 (2m) (b) 1., Stats., Register July 2007 No. 619.
    • DFI-WCA 1.01 Wisconsin consumer act rules; organization.
    • DFI-WCA 1.30 Notice of non-performance.
    • DFI-WCA 1.32 Disclosure customer copies.
    • DFI-WCA 1.34 Prohibition of blank writings.
    • DFI-WCA 1.341 Notice to obligors.
    • DFI-WCA 1.37 Notice of assignment; joint obligor customers.
    • DFI-WCA 1.371 Notice of assignment; address of customer.
    • DFI-WCA 1.67 Voluntary surrender of collateral.
    • DFI-WCA 1.81 Powers of administrator; penalty.
    • DFI-WCA 1.82 Powers of administrator; submission for approval.
    • DFI-WCA 1.85 Discrimination; unconscionable conduct.
    • DFI-WCA 1.90 Registration fees.



  • DWD - Workforce Development
    DWD_220
    Fair Housing

    DWD_270
    Child Labor

    DWD_272
    Minimum Wages

    DWD_274
    Hours of Work and Overtime

    DWD_275
    One Day of Rest in Seven


    INS - Insurance
    INS 6.595
    General
    6.595 Exemption of licensing of individuals as intermediaries.


    NR – Natural Resources
    NR 706
    Hazardous Substance Discharge Notification and Source Confirmation Requirements


    Tax - Dept. of Revenue
    Tax 1.16 Financial record matching program.
    General administration
    Tax 1.16 Financial record matching program.

    Tax 11
    Sales and Use Tax

    Tax 11.69 Financial institutions
    Sales and Use Tax
    Tax 11.69 Financial institutions

    Tax 11.92 Records and record keeping.
    Sales and Use Tax
    Tax 11.92 Records and record keeping.

    Tax 2.04 Information returns and wage statements.
    Income taxation, returns, records and gross income
    Tax 2.04 Information returns and wage statements.

    Tax 2.49 Apportionment of apportionable income of interstate financial institutions.
    Income taxation, returns, records and gross income
    Tax 2.49 Apportionment of apportionable income of interstate financial institutions.


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