(c) Liens in favor of other states.
Liens in favor of other states. Notwithstanding par. (b), if a lien under par. (b) is in favor of another state, the notice sent by the department to the financial institution may consist of the request from the other state to enforce the lien, a certification by the department that any necessary due process requirements were met in the other state, a request that the financial institution honor the request from the other state by sending the amount specified in the request directly to the other state, and the address to which the financial institution shall send the funds. Notice and hearing requirements under pars. (d) and (f) do not apply to a lien in favor of another state.
_54 Guardianships and conservatorships
54.854 Uniform transfers to minors act; definitions.
54.856 Scope and jurisdiction.
54.858 Nomination of custodian.
54.860 Transfer by gift or exercise of power of appointment.
54.862 Transfer authorized by will or trust.
54.864 Other transfer by fiduciary.
54.866 Transfer by obligor.
54.868 Receipt for custodial property.
54.870 Manner of creating custodial property and effecting transfer; designation
of initial custodian; control.
54.872 Single custodianship.
54.874 Validity and effect of transfer.
54.876 Care of custodial property.
54.878 Powers of custodian.
54.880 Use of custodial property.
54.882 Custodian’s expenses, compensation and bond.
54.884 Exemption of 3rd person from liability.
54.886 Liability to 3rd persons.
54.888 Renunciation, resignation, death or removal of custodian; designation of
54.890 Accounting by and determination of liability of custod
103 Employment Regulations as related to child labor. 103.64 Employment of minors; definitions.
103.65 General standards for employment of minors.
103.66 Powers & duties of the department relating to employment of minors.
103.67 Minimum ages in various employments.
103.68 Hours of labor.
103.695 Designation of a permit officer.
103.70 Permits necessary for minors; exceptions.
103.71 Conditions for issuance of permits.
103.72 Refusal & revocation of permits.
103.73 Form & requisites of permit; as evidence.
103.74 Duties of employers of minors.
103.75 Certificates of age.
103.76 Proof of age in court.
103.78 Minors in public exhibitions, radio & TV broadcasts, modeling.
103.805 Fees; permits & certificates of age.
103.81 Advertising; penalty. 103.82 Penalties.
103.83 Discriminatory acts...
103 Employment Regulations as related to record retention. 103.74 Duties of employers of minors.
(1) Receive and file a child labor permit authorizing employment
of the minor by him or her before the minor is permitted to
do any work, and shall keep the permit on file and allow inspection
of the permit at any time by the department or any school attendance
officer. A permit shall be valid only for the employer for
(2) Keep a record for each employed minor’s name, address,
date of birth, the time of beginning and ending work and the time
for meals each day and the total hours worked each day and each
103 Employment Regulations as related to wages and hours of work. 103.01 Hours of labor; definitions.
103.02 Hours of labor.
103.025 Hours of labor; compensatory time.
103.03 Violations; penalty.
103.32 Recovery of arrears of wages.
103.45 Time checks; penalty.
103.455 Deductions for faulty workmanship, loss, theft or damage.
103.457 Listing deductions from wages.
104 Minimum Wage Law as related to record retention. 104.09 Records. Each employer shall keep a record of the
names and addresses of all student learners and employees, the
hours of employment and wages of each, and such other records
pertaining to ability as the department requires.
111 Employment Relations as related to sexual harassment. 111.32(13) "Sexual Harassment" Definition. 111.322 Discrimination actions prohibited.
111.325 Unlawful to discriminate.
111.33 Age; exceptions and special cases.
111.335 Arrest or conviction; exceptions and special cases.
111.337 Creed; exceptions and special cases.
111.34 Disabilities; exceptions and special cases.
111.345 Marital status; exceptions and special cases.
111.35 Use of nonuse of lawful product; exceptions and special cases.
111.36 Sex, sexual orientation; exceptions and special cases.
111.37 Use of honesty testing devices in employment situations.
(2) Disposal of Records Containing Personal Information.
(3) Civil Liability; Disposal and Use.
(4) Penalties; Disposal and Use.
134 Miscellaneous Trade Regulations. 134.97(2) Disposal of records containing personal information. -
A financial institution, medical business or tax preparation business may not dispose of a record containing personal information
unless the financial institution, medical business, tax preparation business or other person under contract with the financial
institution, medical business or tax preparation business does any of the following:
(a) Shreds the record before the disposal of the record.
(b) Erases the personal information contained in the record before the disposal of the record.
(c) Modifies the record to make the personal information unreadable before the disposal of the record.
(d) Takes actions that it reasonably believes will ensure that no unauthorized person will have access to the personal information contained in the record for the period between the record’s disposal and the record’s destruction.
137 Authentication and Electronic Transactions and Records SUBCHAPTER I - NOTARIES AND COMMISSIONERS OF DEEDS; NONELECTRONIC NOTARIZATION AND ACKNOWLEDGEMENT
(1) Notaries public who are not attorneys.
(2) Notaries public who are attorneys.
(3) Notarial seal or stamp.
(6m) Change of residence.
(7) Official records to be filed.
138 Money and Rates of Interest as related to residential mortgage loans and mergers. 138.052(7m) Residential mortgage loans. (7m)(a) A lender shall notify the borrower as provided in par.
(b) if on or after May 3, 1988, the payment, collection or other loan
or escrow services related to the loan are sold or released.
(7m)(b) The notice required under par. (a) shall be in writing and
shall include the name, address and telephone number of the party
to whom servicing of the loan is sold or released. The lender shall
deliver the notice to the borrower by mail or personal service
within 15 working days after servicing of the loan is sold or
186 Credit Unions (state-chartered only) as regarding conflict of interest. 186.082 Definitions applicable to indemnification and insurance provisions.
186.083 Mandatory indemnification.
186.084 Determination of right to indemnification.
186.085 Allowances of expenses as incurred.
186.086 Credit union may limit indemnification.
186.087 Additional rights to indemnification.
186.088 Court-ordered indemnification.
186.089 Indemnification and allowances of expenses of employees and agents.
186 Credit Unions (state-chartered only) as regarding policies. 186.098 Loans.
(6) POLICIES. The board of directors shall determine policy regarding all of the following:
(a) Collateral acceptable for secured loans.
(b) Loan limits.
(c) Loan approval if a director, officer, credit committee member or employee provides security as a comaker, guarantor, endorser or other form of surety.
(8) CREDIT EXTENSIONS.
186.098(8)(a)(a) The credit committee or a loan officer may approve, upon its own motion or upon application by a member, an extension of credit, and loans may be granted to the member within the limit of the extension of credit. The credit committee or loan officers shall review all extensions of credit in accordance with written policies adopted by the board of directors.
credit union shall keep records and accounts in a manner consistent
with generally accepted accounting principles or with standards
prescribed by the office of credit unions. If a credit union
does not keep its records and accounts in a manner consistent with
generally accepted accounting principles, the office of credit
unions may require the credit union to keep records and accounts
under standards prescribed by the office.
(b) The office of credit unions may require a credit union that
fails to open records or maintain prescribed records or accounts to
forfeit not more than $100 for each day it is in violation. If the
credit union fails to pay the forfeiture, the office of credit unions
may institute proceedings to recover the forfeiture.
186 Credit Unions (state-chartered only) as regarding credit union powers. 186.113(15) Credit union powers.
(15) AUTOMATED TELLER MACHINES.
(e) Information transmitted from a remote terminal, either identified as to particular transactions or aggregate information, shall only be used for purposes of effecting the financial transactions for which such information was received, for any other purpose lawfully authorized by contract, or for any other purpose permitted by statute and rules pertaining to the dissemination and disclosure of such information.
186 Credit Unions (state-chartered only) as regarding incidental powers. 186.118 Incidental powers parity with federal credit unions.
186.118 (3)(a) . . . if any activity or power incidental to the business of a credit union that is not listed under sub. (2) (a) becomes authorized for federally chartered credit unions, within 30 days after the activity or power becomes authorized the office of credit unions shall make a determination as to whether the activity or power should also be authorized for credit unions organized under s. 186.02. In making this determination, the office of credit unions shall consider the degree to which the following apply with respect to the activity or power:
1. It is necessary, convenient, or useful for effectively carrying out the mission or business of a credit union.
2. It is the functional equivalent or logical outgrowth of activities or powers that are part of the mission or business of a credit union.
3. It involves risks. . . .[click on statue to continue reading]
(a) Disclosing a financial record of an individual to the county child support agency attempting to establish, modify or enforce a child support obligation of the individual.
(b) Disclosing information to the department of children and families or a county child support agency pursuant to the financial record matching program under s. 49.853.
(c) Encumbering or surrendering any assets held by the financial institution in response to instructions provided by the department of children and families or a county child support agency for the purpose of enforcing a child support obligation.
(d) Any other action taken in good faith to comply with s. 49.853 or 49.854.
These sections do not apply to MLOs employed by credit unions, but do apply to MLOs employed by CUSOs.
224.72 Licensing of mortgage bankers and mortgage brokers.
224.725 Licensing of mortgage loan originators.
224.726 Persons exempt from mortgage loan originator provisions.
224.728 Nationwide mortgage licensing system and registry and cooperative arrangements.
224.73 Relationship between mortgage loan originator and either a mortgage banker or a mortgage broker.
403 Uniform Commercial Code - Negotiable Instruments as regarding obligation of drawer 403.414 Obligation of drawer.
(1) This section does not apply to cashier's checks or other drafts drawn on the drawer.
(7) A person who issues a check or other draft that is not honored upon presentment, because the drawer does not have an account with the drawee or because the drawer does not have sufficient funds in his or her account or sufficient credit with the drawee, is liable for all reasonable costs and expenses in connection with the collection of the amount for which the check or draft was written, except recovery is not permitted under this section if a person licensed under s. 138.09 or 138.14 or any other person collected or could have collected a charge for that check or other draft under s. 422.202 (1) (d) or (2m).
403 Uniform Commercial Code - Negotiable Instruments as regarding checks/share drafts 403.110 Identification of person to whom instrument is payable.
403.205 Special endorsement; blank endorsement; anomalous endorsement.
403.307 Notice of breach of fiduciary duty.
403.309 Enforcement of lost, destroyed or stolen instrument.
403.311 Accord and satisfaction by use of instrument.
403.312 Lost, destroyed or stolen cashier’s check, teller’s check or certified check.
403.411 Refusal to pay cashier’s checks, teller’s checks and certified checks.
404 Uniform Commercial Code - Bank Deposits and Collections as regarding checks/share drafts 404.110 Electronic presentment.
404.111 Statute of limitations.
404.207 Transfer warranties.
404.208 Presentment warranties.
404.209 Encoding and retention warranties.
404.403 Customer’s right to stop payment; burden of proof of loss.
404.404 Bank not obligated to pay check more than 6 months old.
404.405 Death or incompetence of customer.
404.406 Customer’s duty to discover and report unauthorized signature or alteration.
421.106 Settlement of claims; agreement to forego rights; waiver.
421.107 Effect of chapters 421 to 427 on powers of organizations.
421.108 Obligation of good faith.
SUBCHAPTER II - SCOPE AND JURISDICTION
421.201 Territorial application.
421.203 Partial exclusion for governmentally insured or guaranteed transactions.
SUBCHAPTER III - DEFINITIONS
421.301 General definitions.
421.202(10) WCA: Exclusions
* * * * *
421.202(10) Transactions that are primarily for an agricultural purpose, except that this subsection does not exclude transactions that are primarily for an agricultural purpose from ch. 427 and except that this subsection does not exclude credit transactions that are primarily for an agricultural purpose from s. 422.210.
(1) Permissible finance charges and fees. With respect to a credit transaction that it is primarily for an agricultural purpose, a creditor may not charge, collect or receive any finance charge or fee unless the charge or fee is clearly disclosed in writing to the customer and that is agreed to by the creditor and the customer.
(2) Penalty. A violation of this section is subject to s. 425.304.
SUBCHAPTER I - GENERAL PROVISIONS,
SUBCHAPTER II - MAXIMUM CHARGES,
SUBCHAPTER III - DISCLOSURE AND FORM OF WRITINGS,
SUBCHAPTER IV - LIMITATIONS ON AGREEMENTS AND PRACTICES, and
SUBCHAPTER V - CREDIT SERVICES ORGANIZATIONS
422 WCA: Consumer Credit Transactions as regarding additional charges. [closed-end WCA loan]. 422.202 Additional charges. [closed-end WCA loan].
(1) In addition to the finance
charge permitted by this subchapter, a merchant may bargain for
and receive any of the following additional charges in connection
with a consumer credit transaction:
(d) With respect to a consumer credit transaction which is other
than one pursuant to an open-end credit plan and which is entered
into on or after May 17, 1988, a charge not to exceed $15 for each
check presented for payment to a creditor which is returned unsatisfied
because the drawer does not have an account with the
drawee, does not have sufficient funds in his or her account or does
not have sufficient credit with the drawee.
422 WCA: Consumer Credit Transactions as regarding additional charges. [open-end WCA loan]. 422.202(2m) Additional charges. [open-end WCA loan].
(2m) With respect to an open-end credit plan, regardless of
when the plan was entered into:
(a) A creditor may charge, collect and receive other fees and
charges, in addition to the finance charge authorized under s.
422.201, that are agreed upon by the creditor and the customer.
These other fees and charges may include periodic membership
fees, cash advance fees, charges for exceeding a designated credit
limit, charges for late payments, charges for providing copies of
documents and charges for the return of a dishonored check or
other payment instrument.
(b) For purposes of 12 USC 85, 1463 (g), 1785 and 1831d, both
the finance charge under s. 422.201 and charges permitted under
par. (a) are interest and may be charged, collected and received as
interest by a creditor.
424 WCA: Consumer Transactions - Insurance
CONSUMER CREDIT INSURANCE
424.201 Definition “consumer credit insurance”.
424.202 Charge for insurance.
424.203 Conditions applying to insurance to be provided by creditor.
424.204 Maximum charge by creditor for insurance.
424.205 Refund or credit required.
424.206 Deferral, refinancing and consolidation agreements.
424.207 Term of insurance.
424.208 Amount of insurance.
424.209 Filing and approval of rates and forms.
428.103(1)(e) WCA: First Lien Real Estate and Other Mortgage Loans - Limitations
428.103 Limitations. 428.103(1) The following limitations shall apply to all loans subject to this subchapter: 428.103(1)(e) The creditor shall not contract for or charge its attorney fees to the customer except as follows: 1. Reasonable fees for opinions of title.
2. In foreclosure cases, 5% of the amount adjudged due the creditor; or if the dispute is settled prior to judgment, a reasonable fee based on the time, nature and extent of the work involved, but not to exceed 2-1/2% of the unpaid principal balance of the loan.
This section provides that a register of deeds may use electronic documents and provide access to the documents by electronic means. Further, a register of deeds may convert paper documents and information into electronic form. However, a register of deeds who accepts electronic documents for recording must continue to accept paper documents as authorized by state law and must place entries for both types of documents in the same index.
867 Probate – Summary Procedures
867.01 Summary settlement of small estates.
867.02 Summary assignment of small estates subject to claims of creditors.
867.03 Transfer by affidavit.
867.035 Transfer by affidavit; recipients of certain benefits.
867.04 Termination of joint tenancy and life estate.
867.045 Administrative joint tenancy or life estate termination for certain property.
867.046 Summary confirmation of interest in property.
Whenever any bank, credit union, savings bank or savings and loan association or any of its officers are subpoenaed to produce its books containing a specified account or other specified entries, the bank, credit union, savings bank or savings and loan association may, if it so elects, produce a copy of the specified account or other entries, verified under oath by one of its officers, stating that the books called for are the ordinary books of the bank, credit union, savings bank or savings and loan association used in the transaction of its business, that the entries copied were made therein at the dates thereof and in the usual course of business, that there are no interlineations or erasures in or among the items copied, that the books are in the custody or control of the bank, credit union, savings bank or savings and loan association, and that the officer has carefully compared the copy with the books and ....