DFI-Bkg 75.10(1)(a) (a) Except as otherwise provided in s. 138.14, Stats., a licensee shall transmit all information to the database via the Internet.

DFI-Bkg 75.10(1)(b) (b) In order to maintain the confidentiality and security of the information transmitted to the database, a licensee shall maintain generally accepted security safeguards to maintain the confidentiality and security of information transmitted to the database. The licensee shall install, maintain and regularly update malware protection, antivirus and antispyware software, and a firewall.

DFI-Bkg 75.10(1)(c) (c) A licensee may not transmit information to the database using publicly accessible computers, computers that are not under the licensee’s control, unsecured wireless connections, Wi-Fi connections, or other connections that are not secure.

DFI-Bkg 75.10(2) (2) Customer eligibility.

DFI-Bkg 75.10(2)(a) (a) If the database advises the licensee that an applicant is eligible for a payday loan, the licensee shall record a transaction identification number, generated by the database, on the applicant’s loan document before entering into the payday loan.

DFI-Bkg 75.10(2)(b) (b) If the database advises the licensee that an applicant is ineligible for a payday loan, the licensee shall do all of the following:

DFI-Bkg 75.10(2)(b)1. 1. Inform the applicant of the applicant’s ineligibility.

DFI-Bkg 75.10(2)(b)2. 2. Provide the applicant with the reason for the ineligibility determination given by the database.

DFI-Bkg 75.10(2)(b)3. 3. Instruct the applicant to contact the database provider if the applicant wants more specific information regarding the reason for ineligibility.

DFI-Bkg 75.10(2)(b)4. 4. Provide the applicant with the telephone number of the database provider.

DFI-Bkg 75.10(3) (3) Database updates.

DFI-Bkg 75.10(3)(a) (a) A licensee shall input all information requested by the database into the database when any of the following occur:

DFI-Bkg 75.10(3)(a)1. 1. A payday loan is consummated.

DFI-Bkg 75.10(3)(a)2. 2. A payday loan is repaid with the proceeds of a subsequent payday loan.

DFI-Bkg 75.10(3)(a)3. 3. A customer elects to enter into a repayment plan under s. 138.14 (11g) (a), Stats.

DFI-Bkg 75.10(3)(a)4. 4. A customer’s payday loan is paid in full.

DFI-Bkg 75.10(3)(a)5. 5. A customer elects to rescind his or her payday loan.

DFI-Bkg 75.10(3)(a)6. 6. A customer makes a payment on his or her payday loan.

DFI-Bkg 75.10(3)(a)7. 7. The licensee presents a check for payment or initiates an electronic fund transfer.

DFI-Bkg 75.10(3)(a)8. 8. A customer’s check is dishonored or electronic fund transfer is denied.

DFI-Bkg 75.10(3)(a)9. 9. The licensee assesses a service charge for a dishonored check or denied electronic funds transfer.

DFI-Bkg 75.10(3)(a)10. 10. The licensee collects a service charge for a dishonored check or denied electronic funds transfer.

DFI-Bkg 75.10(3)(a)11. 11. The licensee determines a payday loan is in default.

DFI-Bkg 75.10(3)(a)12. 12. The licensee obtains a judgment against the customer.

DFI-Bkg 75.10(3)(a)13. 13. A customer satisfies a judgment.

DFI-Bkg 75.10(3)(a)14. 14. The licensee collects any court costs or attorney’s fees from a customer.

DFI-Bkg 75.10(3)(a)15. 15. The licensee charges off a payday loan as uncollectible.

DFI-Bkg 75.10(3)(a)16. 16. The division or the database provider determines additional information needs to be submitted to the database.

DFI-Bkg 75.10(3)(b) (b) Except as set forth in sub. (4), information shall be entered into the database on the day the licensee becomes aware of the information.