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Wisconsin Statutes

Wisconsin statutes most commonly referenced by credit unions.


Entire List of Wisconsin Statutes
- Wisconsin Statutes (all)
View the WI Statutes table of contents.


Public Domain & Trust Funds (incl. public deposit)
_34 Public Deposits



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


Statistics (incl. Copying of Vital Records)
_69 Collection of Statistics


_69 Collection of Statistics as regarding accounts.
69.30 Authorized copying of vital records.


Taxation
_77 Taxation of Forest Croplands; Real Estate transfer Fees; Sales and Use Taxes...


_77 Taxation of Forest Croplands; Real Estate transfer Fees; Sales and Use Taxes... as regarding sales and use tax.
Subch. III General Sales and Use Tax
77.51 Definitions.
   See (13)(a), (14)(intro) and (k), and (20).
077.52 Imposition of retail sales tax.
   See (1) and (2)(a)9.


Agriculture; Foods & Drugs, Markets
100 Marketing; Trade Practices


100 Marketing; Trade Practices as related to contests and raffles.
100.17 Guessing contests.
100.171 Prize notices.

    Regulates unsolicited prize notices given to individuals in Wisconsin.

100 Marketing; Trade Practices as related to fraudulent representation.
100.18 Fraudulent Representations.


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.



Regulation of Trade (e.g., 1st Mortgage Lending)
128 Creditors' Actions


134 Miscellaneous Trade Regulations.
134.98 Notice of unauthorized acquisition of personal information -
  • (1) Definitions.
  • (2) Notice Required.
  • (3) Timing and Manner of Notice; Other Requirements.
  • (3m) Regulated Entities Exempt.
  • (4) Effect on Civil Claims.
  • (5) Request by Law Enforcement Not To Notify.
  • (6m) Local Ordinances or Regulations Prohibited.
  • (7m) Effect of Federal Legislation.


134 Miscellaneous Trade Regulations.
134.97 Disposal of records containing personal information. -
  • (1) Definitions.
  • (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
137.01 Notaries.
(1) Notaries public who are not attorneys.
(2) Notaries public who are attorneys.
(3) Notarial seal or stamp.
(4) Attestation.
(5) Powers.
(5m) Confidentiality.
(6) Authentication.
(6m) Change of residence.
(7) Official records to be filed.
(8) Misconduct.
(9) Fees.


137 Authentication and Electronic Transactions and Records


137 Authentication and Electronic Transactions and Records as regarding e-commerce.
Subch. II: Electronic Transactions and Records; Electronic Notarization and Acknowledgement.
This subchapter is Wisconsin's adaptation of the Uniform Electronic Transaction Act (UETA).

137 Authentication and Electronic Transactions and Records as regarding record retention.
137.20 Retention of electronic records; originals.

138 Money and Rates of Interest


138 Money and Rates of Interest as related to late fees.
138.052 Residential mortgage loans.
    (6) Most first lien real estate mortgage or equivalent liens.

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 released.

138 Money and Rates of Interest as related to residential mortgage loans.
138.052 Residential mortgage loans.

138 Mortgage and Rates of Interest as related to variable rate loans.
138.056 Variable rate loans.
138.056(1) Definitions.
138.056(2) Required Terms.
138.056(3) Fees & Penalties Prohibited.
138.056(4) Notice of Interest Payment Changes.
138.056(5) Negative Amortization.
138.056(6) Disclosure.
138.056(7) Priority.
138.056(8) Applicability.


Police Regulations (incl. Unclaimed Property)
177 Uniform Unclaimed Property Act


177 Uniform Unclaimed Property Act as related to a safe deposit box.
177.16 Contents of safe deposit box or other safekeeping repository.
177.20 Custody by state ... payment of safe deposit box or repository charges.

177.31 Uniform Unclaimed Property Act as related to record retention.
177.31 Retention of records.


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 appraisalsnew
  • 186.52 Customer access to appraisals.

186 Credit Unions (state-chartered only) as regarding board of directorsnew
  • 186.07 Board of directors.
  • 186.071 Oath of office.
  • 186.08 Officers, management.
  • 186.082 Definitions applicable to indemnification and insurance provisions.
  • 186.083 Mandatory indemnification.
  • 186.084 Determination of right to indemnification.
  • 186.085 Allowance of expenses as incurred.
  • 186.086 Credit union may limit indemnification.
  • 186.087 Additional rights to indemnification and allowance of expenses.
  • 186.088 Court-ordered indemnification.
  • 186.089 Indemnification and allowance of expenses of employees and agents.
  • 186.091 Insurance.
  • 186.093 Definitions applicable to liability-related provisions.
  • 186.094 Reliance by directors or officers.
  • 186.095 Consideration of interests in addition to members’ interests.
  • 186.096 Limited liability of directors and officers.

186 Credit Unions (state-chartered only) as regarding board of directorsnew
  • 186.12 Compensation of officers, operation expenses.

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 reportsnew
  • 186.53 Customer access to credit reports.

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 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 CUSOs and investments.
186.11 Investments.
    (4) Investments in credit union service organizations.

186 Credit Unions (state-chartered only) as regarding CUSOs and investments.
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 financial privacy.
186.20 Financial privacy.
A credit union shall comply with any applicable requirements under 15 USC 6801 to 6803 and any applicable regulations prescribed by the national credit union administration under 15 USC 6804.


186 Credit Unions (state-chartered only) as regarding Health Savings Accounts
186.113(6) Trust Services.

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]

186 Credit Unions (state-chartered only) as regarding Incorporation, bylaws, amendment, fees.
186.02 Incorporation, bylaws, amendment, fees.
(1)    Incorporation.
(2)    Bylaws.
(3)    Articles and bylaws.
(4)    Amendments.


186 Credit Unions (state-chartered only) as regarding Interstate acquisitions and mergers of credit unions.
186.41 Interstate acquisitions and mergers of credit unions.
(1)    Definitions
(2)    Wisconsin credit union.
(3)    Out-of-state credit unions.
(4)    Limitations.
(5)    Standards for disapproval.
(5m) Branching not limited.
(6)    Applicability.
(7)    When invalidated.


186 Credit Unions (state-chartered only) as regarding lendingnew
  • 186.098 Loans

186 Credit Unions (state-chartered only) as regarding membershipnew
  • 186.13 Expulsion.
  • 186.14 Expelled member rights and liabilities.

186 Credit Unions (state-chartered only) as regarding mergers.
186.31 Mergers.
(1)    Transfer of assets and liabilities.
(2)    Approval.
(2m) Emergency merger.
(3)    Rights transferred.

186 Credit Unions (state-chartered only) as regarding minorsnew
  • 186.10 Minors’ rights; shares in trust.

186 Credit Unions (state-chartered only) as regarding participation loans.
186.098(9m) Participation loans.
A credit union may participate with other lenders in a loan of any type that the credit union may otherwise make.


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.



Fraudulent Conveyances & Contracts (Durable POAs)
244 Uniform Power of Attorney for Finances and Property



Natural Resources (incl. Environmental Liability)
292 Remedial Action


292 Remedial Action as regarding environmental lender liability
292.11 Hazardous substance spills (Wisconsin Spills Law).
292.21 Responsibility of lenders and representatives.


Military
321 Department of Military Affairs
This state regulation is similar to USERRA.


Vehicles
340 Vehicles-General Provisions


341 Registration of Vehicles


342 Vehicle Title and Anti-theft Law


350 Snowmobiles



Uniform Commercial Code
401 Uniform Commercial Code - General Provisions


403 Uniform Commercial Code - Negotiable Instruments


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


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.


408 Uniform Commercial Code - Investment Securities


409 Uniform Commercial Code - Secured Transactions


410 Uniform Commercial Code - Funds Transfers


411 Uniform Commercial Code - Leases



Wisconsin Consumer Act
421 WCA: Consumer Transactions - General Provisions and Definitions
SUBCHAPTER I - SHORT TITLE, CONSTRUCTION, GENERAL PROVISIONS
  • 421.101 Short title.
  • 421.102 Purposes; rules of construction.
  • 421.103 Applicable law.
  • 421.104 Construction against implied repeal.
  • 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.
  • 421.202 Exclusions.
  • 421.203 Partial exclusion for governmentally insured or guaranteed transactions.

SUBCHAPTER III - DEFINITIONS
  • 421.301 General definitions.
  • 421.401 Venue.


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.

421.210 WCA: Agricultural credit transactions.
  • (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.


422 WCA: Consumer Credit Transactions
Click on the link to see a detailed listing of the provisons of this law relating to -

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 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
SUBCHAPTER I - GENERAL PROVISIONS
  • 423.101 Short title.
  • 423.102 Scope.

SUBCHAPTER II - RIGHT TO CANCEL
  • 423.201 Definition.
  • 423.202 Right to cancel: manner of cancellation.
  • 423.203 Notice to customer.
  • 423.204 Restoration of down payment; security interest void; return of property.
  • 423.205 Duty of customer.

SUBCHAPTER III - ADVERTISING
  • 423.301 False, misleading or deceptive advertising.
  • 423.302 Remedies and penalty.

SUBCHAPTER IV - CUSTOMER IDENTIFICATION
  • 423.401 Credit card identification information.
  • 423.402 Check identification information.


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
SUBCHAPTER I - POWERS AND FUNCTIONS OF ADMINISTRATOR
  • 426.101 Short title.
  • 426.102 Applicability.
  • 426.103 Administrator.
  • 426.104 Powers of administrator; duty to report.
  • 426.105 Administrative powers with respect to supervised financial organizations.
  • 426.106 Investigatory powers.
  • 426.107 Application of chapter 227.
  • 426.108 Unconscionable conduct.
  • 426.109 Temporary relief; injunctions.
  • 426.110 Class actions; injunctions; declaratory relief.
  • 426.111 Debtors' remedies not affected.

SUBCHAPTER II - REGISTRATION AND FEES
  • 426.201 Registration.
  • 426.202 Fees.
  • 426.203 Penalties.

SUBCHAPTER III - VIOLATIONS AND ENFORCEMENT
  • 426.301 Violations and enforcement.


427 WCA: Consumer Transactions - Debt Collection
  • 427.101 Short title.
  • 427.102 Scope.
  • 427.103 Definitions: "claim"; "debt collection"; "debt collector".
  • 427.104 Prohibited practices.
  • 427.105 Remedies.


428 WCA: First Lien Real Estate and Other Mortgage Loans


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.

429 WCA: Motor Vehicle Consumer Leases



Regulation and Licensing (incl. Funeral Directors)
445 Funeral Directors


445 Funeral Directors as regarding burial agreements.
445.125 Burial Agreements.

563 Bingo and Raffle Control


563 Bingo and Raffle Control as regarding qualified organizations.
563.90 Qualified Organization.
     Raffles can be legally conducted in Wisconsin by qualified licenseholders. Unfortunately, credit unions are not eligible to hold a license.


Insurance
628 Insurance Marketing


628 Insurance Marketing as regarding insurance agent and compensation.
628.02 Definitions.
628.03 Requirement of license.
628.61 Sharing Commission.


Property (incl. Accounts, Recording of Mortgages)
705 Multiple-party and Agency Accounts; Nonprobate Transfers at Death; Transfer on Death Security Registration.
705.01 Definitions.
705.02 Creation of multiple-party or agency relationship.
705.03 Ownership during lifetime.
705.04 Right of survivorship.
705.05 Designation and powers of agent.
705.06 Protection of financial institutions.
705.07 Rights of creditors.
705.08 Construction.
705.09 Applicability of general transfers at death provisions.
*****

706 Conveyances of Real Property; Recording; Titles


706 Conveyances of Real Property; Recording; Titles as regarding construction and real estate lending.
706.11 Priority of certain mortgages, trust funds.

706 Conveyances of Real Property; Recording; Titles as regarding e-commerce.
706.25 Uniform real property electronic recording act.

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.

706 Conveyances of Real Property; Recording; Titles as regarding notarial acts
706.07 Uniform law on notarial acts.
(1) Definitions.
(2) Notarial acts.
(3) Notarial acts in this state.
(4) Notarial acts in other jurisdictions of the United States.
(5) Notarial acts under federal authority.
(6) Foreign notarial acts.
(7) Certificate of notarial acts.
(8) Short forms.



The Family (incl. Marital Property)
766 Property Rights of Married Persons; Marital Property.


770 Domestic Partnership
  • 770.001 Declaration of policy.
  • 770.01 Definitions.
  • 770.05 Criteria for forming a domestic partnership.
  • 770.07 Application and declaration.
  • 770.10 Completion and filing of declaration.
  • 770.12 Terminating a domestic partnership.
  • 770.15 Forms.
  • 770.17 Fees to county clerk.
  • 770.18 Records.



Actions and Proceedings in Special Cases
779 Liens


779 Liens as regarding construction liens.
Subchapter I - Construction Liens.


Small Claims
799 Procedure in Small Claims Actions



Civil Procedure (incl. Garnishment, Executions)
812 Garnishment


815 Executions


846 Real Estate Foreclosure.



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.


Criminal Code (incl. Gambling)
942 Crimes Against Reputation, Privacy and Civil Liberties


942 Crimes Against Reputation, Privacy and Civil Liberties as regarding advertising.
942.03 Giving false information for publication.

943 Crimes Against Property as regarding issue of worthless checks
943.24 Issue of worthless check.

943 Crimes Against Property as regarding worthless checks; civil liability.
943.245 Worthless checks; civil liability.

945 Gambling


946 Crimes Against Government and Its Administration


946 Crimes Against Government and Its Administration as regarding advertising.
946.06 Improper Use of Flag.


Construction of Statutes,… Misc. Statutes
995 Miscellaneous Statutes


995 Miscellaneous Statutes as regarding advertising.
995.50 Right of privacy.