Register March 2024 No. 819
Chapter DFI-WCA 1
WISCONSIN CONSUMER ACT
DFI-WCA 1.01 Wisconsin consumer act rules; organization.
DFI-WCA 1.05 General definitions; consumer credit transactions.
DFI-WCA 1.06 General definitions; customer.
DFI-WCA 1.07 General definitions; finance charge.
DFI-WCA 1.08 General definitions; official fees.
DFI-WCA 1.09 General definitions; required deposit balance.
DFI-WCA 1.201 Finance charge for consumer credit transactions; per diem charge.
DFI-WCA 1.22 Finance charge for consumer credit transactions; credit cards and coupon books.
DFI-WCA 1.221 Finance charge for consumer credit transactions; actuarial method-compounding.
DFI-WCA 1.23 Maximum charges; precision and rounding.
DFI-WCA 1.26 Additional charges; cost of insurance.
DFI-WCA 1.261 Additional charges; equivalent security interest.
DFI-WCA 1.262 Additional charges; title examinations.
DFI-WCA 1.263 Additional charges, appraisals, copies.
DFI-WCA 1.264 Credit insurance; signature placement.
DFI-WCA 1.271 Delinquency charges; deferred installment.
DFI-WCA 1.28 Deferral charges; unilateral deferral at no cost.
DFI-WCA 1.281 Deferral charges; alternative computation.
DFI-WCA 1.29 Deferral charges; “rule of 78".
DFI-WCA 1.30 Notice of non-performance.
DFI-WCA 1.301 Rebate on prepayment; irregular installment amounts or due dates.
DFI-WCA 1.311 General requirements and provisions; consummation.
DFI-WCA 1.32 Disclosure customer copies.
DFI-WCA 1.321 Form requirements other than open-end—set off.
DFI-WCA 1.331 Form requirements other than open-end—microfilm copies.
DFI-WCA 1.34 Prohibition of blank writings.
DFI-WCA 1.341 Notice to obligors.
DFI-WCA 1.35 Notice to obligors; open-end accounts.
DFI-WCA 1.351 Customer liability; open-end credit.
DFI-WCA 1.352 Receipts; accounting; evidence of payment; release of any security interest.
DFI-WCA 1.353 Refund anticipation loan; before the customer enters into a refund anticipation loan.
DFI-WCA 1.354 Refund anticipation loan; reasonable length of time to expect refund.
DFI-WCA 1.355 Refund anticipation loan; estimated annual percentage rate.
DFI-WCA 1.356 Refund anticipation loan; charges or fees for electronically filing an income tax return.
DFI-WCA 1.36 Receipts; accounting; evidence of payment; customer inquiries.
DFI-WCA 1.361 Assignment of earnings prohibited; revocation.
DFI-WCA 1.37 Notice of assignment; joint obligor customers.
DFI-WCA 1.371 Notice of assignment; address of customer.
DFI-WCA 1.38 Restriction on liability in consumer lease.
DFI-WCA 1.391 Restrictions on security interest; proceeds.
DFI-WCA 1.392 Waivers prohibited; dwelling.
DFI-WCA 1.44 Consumer approval transaction; duty of customer.
DFI-WCA 1.61 Cure of default; commencing legal action.
DFI-WCA 1.62 Cure of default; date of notice and tender.
DFI-WCA 1.63 Exempt property; garnishee summons.
DFI-WCA 1.64 Exempt property; medical services.
DFI-WCA 1.66 Body attachments.
DFI-WCA 1.67 Voluntary surrender of collateral.
DFI-WCA 1.68 Nonjudicial enforcement limited; surrender of collateral.
DFI-WCA 1.69 Restrictions on deficiency judgments; amount owing.
DFI-WCA 1.70 Restrictions on deficiency judgments; repossession.
DFI-WCA 1.71 Restrictions on deficiency judgments; renouncing rights in collateral.
DFI-WCA 1.80 Investigatory powers; merchant's records.
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 1.86 Unsolicited credit cards; unconscionable conduct.
DFI-WCA 1.87 Sale of credit card numbers; unconscionable conduct.
DFI-WCA 1.88 Auto brokering.
DFI-WCA 1.90 Registration fees.
Ch. DFI-WCA 1 Note
Note: Chapter Bkg 80 was renumbered Chapter DFI-Bkg 80 under s. 13.93 (2m) (b) 1., Stats., and corrections made under s. 13.93 (2m) (b) 6. and 7., Stats.,
Register, June, 1997, No. 498.
Ch. DFI-WCA 1 Note
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., and corrections made under s. 13.93 (2m) (b) 7., Stats.,
Register July 2007 No. 619.
DFI-WCA 1.01
DFI-WCA 1.01
Wisconsin consumer act rules; organization. In order to facilitate the organization of rules promulgated under the Wisconsin consumer act and to assist interested persons in relating the rules to the act, each rule shall refer to specific sections of the act. The rules shall be published so as to retain the numerical order of the sections of the act to which they refer. However, each statutory reference does not constitute the sole statutory authority for any particular rule.
DFI-WCA 1.01 History
History: Cr.
Register, June, 1973, No. 210, eff. 7-1-73.
DFI-WCA 1.05
DFI-WCA 1.05
General definitions; consumer credit transactions. Acquisition of a leasehold interest in real property by a customer from a merchant is not a consumer lease within the meaning of s.
421.301 (11), Stats. For laws governing the leasing of real estate see ch.
704, Stats.
DFI-WCA 1.05 History
History: Cr.
Register, June, 1973, No. 210, eff. 7-1-73.
DFI-WCA 1.06
DFI-WCA 1.06
General definitions; customer. A person seeks or acquires real or personal property, services, money or credit for personal, family, household or agricultural purposes within the meaning of s.
421.301 (17), Stats., when such real or personal property, services, money or credit is to be used primarily, that is 50% or more, for one or more of these purposes.
DFI-WCA 1.06 History
History: Cr.
Register, June, 1973, No. 210, eff. 7-1-73.
DFI-WCA 1.07
DFI-WCA 1.07
General definitions; finance charge. A delinquency or default charge is not a finance charge within the meaning of s.
421.301 (20), Stats., if imposed for actual unanticipated late payment, delinquency, default or other such occurrence. However, when a merchant's billings are not paid in full within a stipulated time period and under such circumstances the merchant does not, in fact, regard such accounts in default (For example, by customarily failing to institute collection activity or by continuing to extend credit) and imposes charges periodically for delaying payment of such accounts from time to time until paid, the charge so imposed comes within the definition of a finance charge and the credit so extended comes within the definition of open-end credit.
DFI-WCA 1.07 History
History: Cr.
Register, June, 1973, No. 210, eff. 7-1-73.
DFI-WCA 1.08
DFI-WCA 1.08
General definitions; official fees. Official fees within the meaning of s.
421.301 (26) (a), Stats., shall include any fee charged by a register of deeds or the secretary of state for the filing or recording of any instrument of conveyance or other document for the purpose of perfecting a security interest for which the parties have contracted.
