|
|
Wisconsin statutes most commonly referenced by credit unions.
|
|
| Charitable, Curative, Reformatory & Penal Instit. |
_46 Social Services
| _46 Social Services as regarding elder financial abuse.
46.90 Elder Abuse Reporting System.
(4) Reporting.
| _49 Public Assistance and Children and Family Services
| _49 Public Assistance and Children and Family Services as regarding child support.
49.853 Financial record matching program.
49.854 Liens against property for delinquent support payments.
49.854(5) Levying against financial accounts.
(a) Definitions.
(b) Notice to the financial institution.
(c) Liens in favor of other states.
(d) Notice to the obligor and certain others.
(e) Financial institution fees.
| _49.854 (5)(c) Liens in favor of other states as regarding child support.
Public Assistance and Children and Family Services
49.854 Liens against property for delinquent support payments.
****** (5) Levying against financial accounts. ******
(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
successor custodian.
54.890 Accounting by and determination of liability of custod
|
|
| Regulation of Industry (e.g., Employment) |
103 Employment Regulations
| 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.
103.80 Inspection.
103.805 Fees; permits & certificates of age.
103.81 Advertising; penalty.
103.82 Penalties.
103.83 Discriminatory acts...
| 103 Employment Regulations as related to Family and Medical Leave.
103.10 Family and Medical Leave.
| 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
whom issued.
(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
week.
| 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.
103.93 Wages.
| 104 Minimum Wage Law
| 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.
| 106.50 Apprentice, employment and equal rights programs as relating to open housing.
| 111 Employment Relations
| 111 Employment Relations as related to arrest or conviction record.
111.335 Arrest or conviction record; exceptions and special cases.
| 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.
| 138.20 Money and rates of interest as relating to discrimination in granting credit or loans prohibited.
|
|
| Partnerships & Corporations,…Banks; Savings Assoc. |
186 Credit Unions (state-chartered only)
| 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.
186.091 Insurance.
| 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.
*****
| 186 Credit Unions (state-chartered only) as regarding accounting.
186.235 Office of Credit Unions.
(18) Record-keeping and accounting procedure.
(a) A
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 bonding requirements.
186.19 Bonding requirements.
A credit union shall maintain the necessary bonds for directors, officers and employees according to any standards prescribed by the national board.
| 186 Credit Unions (state-chartered only) as regarding credit union powers.
186.113(11) Credit union powers.
(b) Offer deposit accounts...
| 186 Credit Unions (state-chartered only) as regarding CUSOs and investments.
186.11 Investments.
(4) Investments in credit union service organizations.
186.116 Financially related services tie-ins.
---Notice of Relationship
| 186 Credit Unions (state-chartered only) as regarding Federal share insurance.
186.34 Federal share insurance.
| 186 Credit Unions (state-chartered only) as regarding Health Savings Accounts
186.113(6) Trust Services.
| 186 Credit Unions (state-chartered only) as regarding record retention.
186.07 Board of directors.
(3m) Written consent in lieu of meeting. See subsection (3m)(c).
186.15 Auditing.
(4) Audit Reports.
186.71 Reproduction and destruction of records; evidence.
| 186 Credit Unions (state-chartered only) as regarding safe deposit boxes.
186.113(14m) Safe Deposit Boxes.
| 186 Credit Unions (state-chartered only) as regarding sale of insurance.
186.36 Sale of insurance in credit unions.
| 186 Credit Unions as regarding the office of credit unions
186.235 Office of credit unions
| 221 State Banks
| 221 State Banks as regarding advertising.
221.0402 Use of "bank."
221.0404 Deceptive or misleading use of bank name, logo, or symbol.
| 224 Miscellaneous Banking and Financial Institutions Provisions
| 224 Miscellaneous Banking and Financial Institutions Provisions as related to child support.
224.40 Disclosure of financial records for child support
enforcement.
*********
(3) Limited liability. A financial institution is not liable for any of the following:
(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.
| 224 Miscellaneous Banking and Financial Institutions Provisions as related to the S.A.F.E. Act.
Subch. III - Mortgage Bankers, Loan Originators and Mortgage Brokers.
These sections do not apply to MLOs employed by credit unions, but do apply to MLOs employed by CUSOs.
224.71 Definitions.
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.
|
|
| Wisconsin Consumer Act |
421 WCA: Consumer Transactions - General Provisions and Definitions
| 422 WCA: Consumer Credit Transactions
| 422 WCA: Consumer Credit Transactions as regarding late fees.
422.202(2m) Additional charges - With respect to an open-end credit plan, regardless of
when the plan was entered into...
422.203 Closed end credit.
| 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.
| 422 WCA: Consumer Credit Transactions as regarding advances to perform agreements of customer.
422.207 Advances to perform agreements of customer.
| 422 WCA: Consumer Credit Transactions as regarding advertising.
422.308 Open-End Credit Disclosure (includes applications in advertisements).
| 422 WCA: Consumer Credit Transactions as regarding credit sales.
422.417 Restrictions on security interests.
(1)With
respect to a consumer credit sale a seller may take a security interest
only in...
| 422 WCA: Consumer Credit Transactions as regarding record retention.
422.303 Form requirements other than open-end or discount
(5) The creditor shall retain a copy of such writing evidencing
a consumer credit transaction, other than one pursuant to an open-
end credit plan...
| 422 WCA: Consumer Credit Transactions as regarding variable rate loans.
422.421 Variable Rate Transactions.
(1) Definitions.
(2) Variable Rate Transaction Permitted.
(3) Approved Index Adjustments.
(4) Other Adjustments.
(5) Notice.
(6) Maximum Rate.
(7) Adjustment After Maturity Date.
(8) Changes in Original Schedule of Payments.
(9) Changes In Open-End Credit Plans.
(10) Prepayment.
(11) Amendments to Open-End Credit Plans.
(12) Penalty.
| 423 WCA: Consumer Approval Transactions and Other Consumer Rights
| 423 WCA: Consumer Approval Transactions and Other Consumer Rights - Right to Cancel Other Rights as regarding advertising.
423.301 False and Misleading, or Deceptive Advertising.
| 424 WCA: Consumer Transactions - Insurance
SUBCHAPTER II
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.
| 424 WCA: Consumer Transactions –Insurance as regarding insurance commissions.
424.502 Insurance commissions; limitations.
| 425 WCA: Consumer Transactions – Remedies and Penalties
| 425 WCA: Consumer Transactions – Remedies and Penalties as regarding credit sales.
425.209 Restrictions on deficiency judgments.
| 425 WCA: Consumer Transactions – Remedies and Penalties as regarding small claims court.
425.103 Accrual of cause of action; "default."
425.104 Notice of customer's right to cure default.
425.105 Cure of default.
425.109 Pleadings.
425.205 Action to recover collateral.
425.209 Restrictions on deficiency judgments.
425.210 Computation of deficiency.
| 426 WCA: Consumer Transactions - Administration
| 427 WCA: Consumer Transactions - Debt Collection
| 428 WCA: First Lien Real Estate and Other Mortgage Loans
| 429 WCA: Motor Vehicle Consumer Leases
|
|
| Probate (incl. Guardianship) |
859 Probate – Claims
| 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.
*****
|
|
| Provisions Common to Actions. |
891 Presumptions as relating to evidence from financial institution books
891.24 Evidence from financial institution books
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 ....
| 895 Damages, Liability, and Miscellaneous Provisions Regarding Actions in Courts
| 895 Damages, Liability, and Miscellaneous Provisions Regarding Actions in Courts as regarding trusts.
895.487 Civil liability exemption; employment references.
|
|
|
|
