reglab/housing_qa huggingface dataset:
WI Stat § 422.505 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 422 - Consumer credit transactions.|422.505 - Contracts.

422.505  Contracts. (1) Every contract between a buyer and a credit services organization for the purchase of the services of the credit services organization shall be in writing, shall be dated and shall be signed by the buyer. The contract shall include all of the following:(a) A conspicuous statement, in not less than 10-point boldface type and in immediate proximity to the space reserved for the signature of the buyer, as follows: “YOU, THE BUYER, MAY CANCEL THIS CONTRACT AT ANY TIME BEFORE MIDNIGHT OF THE 5TH DAY AFTER THE DATE OF THE TRANSACTION. SEE THE ATTACHED NOTICE OF CANCELLATION FORM FOR AN EXPLANATION OF THIS RIGHT."(b) The terms and conditions of payment, including the total of all payments to be made by the buyer, whether to the credit services organization or to another person.(c) A description of the services to be performed by the credit services organization for or on behalf of the buyer, including all guarantees or promises of full or partial refunds, and the estimated date by which such services are to be performed or the estimated length of time for performing such services.(d) The credit services organization's principal business address and the name and address of its agent in this state, other than the department of financial institutions, who is authorized to receive service of process.(e) A conspicuous statement, in not less than 8-point boldface type, as follows: “THIS CREDIT SERVICES ORGANIZATION IS REGISTERED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS at .... (insert address)."(f) Any disclosures required under subch. III. (2) (a) The contract shall be accompanied by a completed form in duplicate, captioned “NOTICE OF CANCELLATION", which shall be attached to the contract and easily detachable, and which shall contain the following statement in not less than 10-point type and written in the same language as used in the contract:Notice of cancellationYou may cancel this contract, without any penalty or obligation, within 5 days after the date on which the contract is signed.If you cancel, any payment made by you under this contract will be returned within 15 days following receipt by .... (name of credit services organization) of your cancellation notice.To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, or any other written notice, to .... (name of credit services organization) at .... (address of credit services organization), .... (place of business, if different from address) not later than midnight .... (date). I hereby cancel this transaction..... (Date) .... (Buyer's signature)(b) A copy of the fully completed contract and any other document the credit services organization requires the buyer to sign shall be given to the buyer at the time the contract or document is signed. (3) A credit services organization's breach of a contract under this section or of any obligation arising from such a contract is a violation of this subchapter. (4) A violation of this section is subject to s. 425.305.History:  1991 a. 244; 1995 a. 27, 216.
WI Stat § 422.506 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 422 - Consumer credit transactions.|422.506 - Waiver.

422.506  Waiver. (1) A waiver by a buyer of any provision of this subchapter shall be void and unenforceable. An attempt by a credit services organization to have a buyer waive any right under this subchapter is a violation of this subchapter. (2) A violation of this section is subject to s. 425.305.History:  1991 a. 244.
WI Stat § 423.101 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 423 - Consumer approval transactions and other consumer rights.|423.101 - Short title.

423.101  Short title. This chapter shall be known and may be cited as Wisconsin consumer act — consumer approval transactions and other consumer rights.History:  1971 c. 239; 1991 a. 158.
WI Stat § 423.102 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 423 - Consumer approval transactions and other consumer rights.|423.102 - Scope.

423.102  Scope. This chapter applies to all consumer transactions, except that subch. II does not apply to cemetery preneed sales under s. 440.92.History:  1971 c. 239; 1989 a. 307.
WI Stat § 423.201 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 423 - Consumer approval transactions and other consumer rights.|423.201 - Definition.

423.201  Definition. In this subchapter: (1) “Consumer approval transaction" means a consumer transaction other than a sale or lease or listing for sale of real property or a sale of goods at auction that:(a) Is initiated by face-to-face solicitation away from a regular place of business of the merchant or by mail or telephone solicitation directed to the particular customer; and (b) Is consummated or in which the customer's offer to contract or other writing evidencing the transaction is received by the merchant away from a regular place of business of the merchant and involves the extension of credit or is a cash transaction in which the amount the customer pays exceeds $25. (2) “Consumer approval transaction" does not include a catalog sale that is not accompanied by any other solicitation or a consumer loan conducted and consummated entirely by mail.History:  1971 c. 239; 1983 a. 389; 1997 a. 302; 1999 a. 32; 2011 a. 257.This section does not restrict the ability of a merchant or seller to have more than one regular place of business. Reusch v. Roob, 2000 WI App. 76, 234 Wis. 2d 270, 610 N.W.2d 168, 98-3102.
WI Stat § 423.202 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 423 - Consumer approval transactions and other consumer rights.|423.202 - Right to cancel: manner of cancellation.

423.202  Right to cancel: manner of cancellation. (1) Except as provided in sub. (4), in addition to any right otherwise to revoke an offer, to rescind the transaction or to exercise any remedy for the merchant's breach, a customer has the right to cancel a consumer approval transaction until midnight of the 3rd business day after the merchant has given the notice to the customer in accordance with s. 423.203. (2) Except as provided in sub. (2m), notice of cancellation shall be by mail addressed to the merchant and shall be considered given at the time mailed. (2m) If the property which is the subject of the transaction must be custom made in the ordinary course of business, and is unique to that transaction, the merchant may require that the notice of cancellation, if given, be made by certified or registered mail. (3) Notice of cancellation by the customer need not take a particular form and is sufficient if it indicates by any form of written expression the intention of the customer not to be bound by the consumer approval transaction. (4) The customer may not cancel a consumer approval transaction if:(a) The customer has determined that a delay of 3 business days in performance of the merchant's obligation under the transaction will jeopardize the welfare, health or safety of natural persons or endanger property which the customer owns or for which the customer is responsible;(b) The customer furnishes the merchant with a separate dated and signed personal statement describing the situation requiring immediate remedy and modifying or waiving the customer's right of rescission. The use of printed forms for this purpose is prohibited;(c) The merchant in good faith makes a substantial beginning of performance of the contract before the customer gives notice of cancellation; and(d) In the case of goods, the goods cannot be returned to the merchant in substantially as good condition as when received by the customer.History:  1971 c. 239; 1973 c. 3; 1991 a. 316.
WI Stat § 423.203 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 423 - Consumer approval transactions and other consumer rights.|423.203 - Notice to customer.

423.203  Notice to customer. (1) Whenever a customer has the right to cancel a consumer approval transaction, the merchant shall give 2 copies of a typed or printed notice of that fact to the customer. The notice must:(a) Be printed in capital and lowercase letters of not less than 12-point boldface type;(b) Appear under the conspicuous caption: “CUSTOMER'S RIGHT TO CANCEL";(c) Read as follows: You may cancel this agreement by mailing a written notice to (insert name and mailing address of seller) before midnight of the third business day after you signed this agreement. If you wish, you may use this page as that notice by writing “I hereby cancel" and adding your name and address. A duplicate of this page is provided by the seller for your records. (2) A merchant who in the ordinary course of business regularly uses a language other than English in any advertising or other solicitation of customers or in any printed forms for use by customers or in any face-to-face negotiations with the merchant's customers shall give the notice described in this section to a customer whose principal language is such other language both in English and in the other language. (3) The notice required under this section must be delivered either after all the credit cost disclosures have been made to the customer as required by the federal consumer credit protection act and the customer has signed the writing evidencing the transaction, or contemporaneously therewith, but not before. (3m) Compliance with requirements of federal statutes, rules or regulations governing form of notice of right of cancellation, in consumer approval transactions otherwise subject to this chapter, shall be deemed to satisfy the notice requirements of this chapter. (4) A violation of this section is subject to s. 425.304.History:  1971 c. 239; 1973 c. 3; 1991 a. 316.Legislative Council Note, 1973: [As to sub. (3m)] Allows compliance with federal notice requirements as to form to constitute compliance with the notice requirements of this chapter. This subsection is directed primarily at merchants with interstate operations who are complying with the federal trade commission's recently-promulgated trade regulation on door-to-door sales.This subsection goes only to the issue of notice. It is preferable not to require interstate merchants to print special forms just to comply with Wisconsin law. It does not accept other portions of the federal rules, such as return of downpayment and repossessing of already-delivered property. These subjects will continue to be governed by Wisconsin law. [Bill 432-A]
WI Stat § 423.204 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 423 - Consumer approval transactions and other consumer rights.|423.204 - Restoration of down payment; security interest void; return of property.

423.204  Restoration of down payment; security interest void; return of property. (1) Within 10 days after a consumer approval transaction has been canceled, the merchant shall cause any money paid by the customer, including a down payment, to be returned to the customer and shall take any appropriate action to reflect the termination of the transaction including any security interest created as a result. (2) Upon cancellation, as allowed by this section, the customer is not liable for any finance or other charge and the transaction, including any security interest, is void. (3) If the merchant has received any property from the customer, the merchant shall return such property in substantially as good condition as it was when it was given within 20 days after the cancellation of the transaction. If such property is not returned within such time, the customer shall have the right to recover the property or the greater of its agreed or fair market value at retail.History:  1971 c. 239; 1991 a. 316.
WI Stat § 423.205 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 423 - Consumer approval transactions and other consumer rights.|423.205 - Duty of customer.

423.205  Duty of customer. (1) The customer has the duty to take reasonable care of the delivered property in the customer's possession from the time of delivery until the expiration of a reasonable time after tender, not to exceed 20 days. (2) Upon the performance of the merchant's obligations under s. 423.204, the customer shall tender the property to the merchant. (3) Tender shall be made at the location of the property or at the residence of the customer at the option of the customer. (4) If the merchant does not take possession of the property within 20 days after tender by the customer, ownership of the property vests in the customer without obligation on the customer's part to pay for it. (5) If the merchant has performed any services pursuant to a consumer approval transaction prior to its cancellation, the merchant is entitled to no compensation.History:  1971 c. 239; 1973 c. 3.; 1991 a. 316.
WI Stat § 423.301 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 423 - Consumer approval transactions and other consumer rights.|423.301 - False, misleading or deceptive advertising.

423.301  False, misleading or deceptive advertising. No merchant shall advertise, print, display, publish, distribute or broadcast or cause to be advertised, printed, displayed, published, distributed or broadcast, in any manner any statement or representation with regard to the extension of consumer credit including the rates, terms or conditions for the extension of such credit, which is false, misleading, or deceptive, or which omits to state material information with respect to the extension of credit that is necessary to make the statements therein not false, misleading or deceptive. With respect to matters specifically governed by the federal consumer credit protection act, compliance with such act satisfies the requirements of this section.History:  1971 c. 239.
WI Stat § 423.302 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 423 - Consumer approval transactions and other consumer rights.|423.302 - Remedies and penalty.

423.302  Remedies and penalty. In addition to any other remedy provided by law, a customer who has been induced to consummate a consumer credit transaction as a result of advertising in violation of s. 423.301 shall be entitled to a recovery from the merchant in accordance with s. 425.305.History:  1971 c. 239.
WI Stat § 423.401 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 423 - Consumer approval transactions and other consumer rights.|423.401 - Credit card identification information.

423.401  Credit card identification information. (1) Limitation. Except as provided in sub. (2), a merchant may not record a customer's address, telephone number or any other identification information as a condition for accepting a credit card as payment for a consumer credit transaction. (2)  Exceptions. A merchant may record a customer's address or telephone number if any of the following conditions exists:(a) The credit card issuer does not require the merchant to obtain from the issuer prior authorization as to the availability of credit in order to complete the credit card transaction.(b) The merchant requires the information for shipping, delivery, service orders or installation purposes or to notify the customer of a special order. (3)  Remedies. Whoever violates this section is subject to the remedies and penalties under s. 425.303.History:  1991 a. 158.
WI Stat § 423.402 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 423 - Consumer approval transactions and other consumer rights.|423.402 - Check identification information.

423.402  Check identification information. (1) Limitation. Except as provided in sub. (4), a merchant may not request or record a customer's credit card number as a condition for accepting a check or share draft as payment for a consumer transaction. (2)  Credit card display. If a customer pays for a consumer transaction by check or share draft, a merchant may request a customer to display a credit card as an indication of the customer's financial responsibility or as additional identification, but the merchant may not record any information except the type of credit card displayed and the credit card expiration date. (3)  Check acceptance. This section does not require a merchant to accept a check or share draft as payment for a consumer transaction, whether or not a credit card is displayed. (4)  Exception. A merchant may request and record a customer credit card number as a condition for accepting a check or share draft if all of the following conditions are met:(a) The merchant has contracted with the card issuer of the requested credit card to cash or accept a check or share draft presented by a holder of the requested credit card.(b) The card issuer of the requested credit card has contracted with the merchant to guarantee a check or share draft presented to the merchant by a holder of the requested credit card. (5)  Remedies. Whoever violates this section is subject to the remedies and penalties under s. 425.303.History:  1991 a. 158.
WI Stat § 424.101 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 424 - Consumer transactions — insurance.|424.101 - Short title.

424.101  Short title. This chapter shall be known and may be cited as Wisconsin consumer act—insurance.History:  1971 c. 239.
WI Stat § 424.102 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 424 - Consumer transactions — insurance.|424.102 - Scope.

424.102  Scope. This chapter applies to agreements between a creditor and a debtor under which insurance is provided or is to be provided in relation to consumer credit transactions.History:  1971 c. 239; 1973 c. 3.
WI Stat § 424.103 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 424 - Consumer transactions — insurance.|424.103 - Application of general definitions.

424.103  Application of general definitions. The definitions in s. 421.301 shall apply to this chapter.History:  1973 c. 3; 1981 c. 390 s. 252.
WI Stat § 424.201 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 424 - Consumer transactions — insurance.|424.201 - Definition “consumer credit insurance".

424.201  Definition “consumer credit insurance". “Consumer credit insurance" means insurance, other than insurance on property, by which the satisfaction of debt in whole or in part is a benefit provided, but does not include: (1) Insurance issued as an isolated transaction on the part of the insurer not related to an agreement or plan for insuring customers of the creditor; (2) Insurance indemnifying the creditor against loss due to the customer's default; or (3) A guaranteed asset protection waiver, as defined in s. 218.0148 (1) (e).History:  1971 c. 239; 1973 c. 3; 1985 a. 256; 1995 a. 329; 2017 a. 161.
WI Stat § 424.202 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 424 - Consumer transactions — insurance.|424.202 - Charge for insurance.

424.202  Charge for insurance. (1) Except as otherwise provided in this chapter and subject to the provisions on additional charges (s. 422.202), and maximum charges (s. 422.201) a creditor may agree to provide insurance, and may contract for and receive a charge for insurance separate from and in addition to other charges. A creditor need not make a separate charge for insurance provided or required by the creditor. (2) This chapter does not authorize the issuance of any insurance prohibited under any statute, or rule thereunder, governing the business of insurance.History:  1971 c. 239; 1991 a. 316.
WI Stat § 424.203 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 424 - Consumer transactions — insurance.|424.203 - Conditions applying to insurance to be provided by creditor.

424.203  Conditions applying to insurance to be provided by creditor. (1) When the parties agree that consumer credit insurance shall be provided, at the time the indebtedness is incurred there shall be delivered to the customer the individual policy, a group certificate of insurance, a copy of the application for such insurance or a notice of proposed insurance. (2) The evidence of insurance provided pursuant to sub. (1) shall set forth the name and home office address of the insurer, the name or names of the customers, the premium or amount of payment by the customer, if any, separately for credit life insurance and credit accident and sickness insurance, the amount, term and a brief description of the coverage provided, including all exclusions and exceptions. (3) Within 30 days of the date upon which the indebtedness is incurred, the insurer shall cause the individual policy or group certificate of insurance to be delivered to the customer if it is not delivered at the time the indebtedness is incurred. (4) Within 10 days from the date the indebtedness is incurred, the customer shall be permitted to return the policy, certificate of insurance or the notice of proposed insurance to the creditor and to receive a refund of any premium paid for the insurance if the customer is not satisfied with the insurance for any reason. Such insurance shall then be void and the parties will be in the same position as if no certificate, policy or notice of proposed insurance had been issued. Conspicuous notice of the right to return the policy, certificate of insurance or notice of proposed insurance shall be furnished with or in the policy, certificate or notice of proposed insurance. (5) A violation of this section is subject to s. 425.303.History:  1971 c. 239; 1973 c. 3 ss. 59, 69; 1991 a. 316.
WI Stat § 424.204 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 424 - Consumer transactions — insurance.|424.204 - Maximum charge by creditor for insurance.

424.204  Maximum charge by creditor for insurance. (1) Except as provided in sub. (2), if a creditor contracts for or receives a charge for insurance, the amount charged for the insurance may not exceed the premium to be charged by the insurer, as computed at the time the charge to the customer is determined, conforming to any rate filings required by law and made by the insurer with the commissioner of insurance. (2) A creditor who provides consumer credit insurance in relation to an open-end credit plan may calculate the charge to the customer in each billing cycle by applying the current premium rate to either:(a) The average daily unpaid balance of the obligation in the cycle;(b) The unpaid balance of the obligation or a median amount within a specified range of unpaid balances of the obligation on approximately the same day of the cycle. The day of the cycle need not be the day used in calculating the finance charge (s. 422.201), but the specified range shall be the range used for that purpose; or(c) The unpaid balances of principal calculated according to the actuarial method. (3) A violation of this section is subject to s. 425.304.History:  1971 c. 239.