reglab/housing_qa huggingface dataset:
WI Stat § 224.25 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.25 - Customer access to appraisals.

224.25  Customer access to appraisals. If requested by an individual who is a customer, loan applicant or credit applicant, a financial institution, as defined in s. 705.01 (3), shall provide that individual with a copy of any written appraisal report which is held by the financial institution, which relates to residential real estate that the individual owns or has agreed to purchase and for which a fee is imposed.History:  1991 a. 78; 1997 a. 191 s. 236; Stats. 1997 s. 224.25.
WI Stat § 224.26 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.26 - Customer access to credit reports.

224.26  Customer access to credit reports. If requested by an individual who is a customer, loan applicant or credit applicant, a financial institution, as defined in s. 705.01 (3), shall provide that individual, at no additional charge, with a copy of any written credit report which is held by the financial institution, which relates to that individual and for which a fee is imposed.History:  1993 a. 425; 1997 a. 191 s. 237; Stats. 1997 s. 224.26.
WI Stat § 224.40 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.40 - Disclosure of financial records for child support enforcement.

224.40  Disclosure of financial records for child support enforcement. (1) Definitions. In this section:(a) “County child support agency" means a county child support agency under s. 59.53 (5).(b) “Financial institution" has the meaning given in s. 49.853 (1) (c).(c) “Financial record" has the meaning given in 12 USC 3401. (2)  Financial record matching agreements. A financial institution is required to enter into an agreement with the department of children and families in accordance with rules promulgated under s. 49.853 (2). (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.History:  1997 a. 191; 2007 a. 20.
WI Stat § 224.42 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.42 - Disclosure of financial records for Medical Assistance and food stamp program eligibility.

224.42  Disclosure of financial records for Medical Assistance and food stamp program eligibility. (1) Definitions. In this section:(a) “Financial institution" has the meaning given in s. 49.45 (4m) (a) 3.(b) “Financial record" has the meaning given in 12 USC 3401 (2). (2)  Financial record matching agreements. A financial institution is required to enter into an agreement with the department of health services under ss. 49.45 (4m) and 49.79 (1t). (3)  Limited liability. A financial institution is not liable for any of the following:(a) Disclosing a financial record of an individual or other information to the department of health services in accordance with an agreement, and its participation in the program, under s. 49.45 (4m) or 49.79 (1t).(b) Any other action taken in good faith to comply with s. 49.45 (4m) or 49.79 (1t).History:  2011 a. 192; 2013 a. 20; 2017 a. 59.
WI Stat § 224.44 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.44 - Disclosure of financial records for collection of unemployment insurance debt.

224.44  Disclosure of financial records for collection of unemployment insurance debt. (1) Definitions. In this section:(a) “Financial institution" has the meaning given in 12 USC 3401 (1).(b) “Financial record" has the meaning given in 12 USC 3401 (2). (2)  Financial record matching agreements. A financial institution is required to enter into an agreement with the department of workforce development under s. 108.223. (3)  Limited liability. A financial institution is not liable for any of the following:(a) Disclosing a financial record of an individual or other information to the department of workforce development in accordance with an agreement, and its participation in the program, under s. 108.223.(b) Any other action taken in good faith to comply with s. 108.223.History:  2013 a. 36.
WI Stat § 224.46 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.46 - Independent data processing servicers.

224.46  Independent data processing servicers. (1) Definitions. In this section:(a) “Financial institution" has the meaning given in s. 214.01 (1) (jn).(b) “Independent data processing servicer" means an entity that provides to a financial institution electronic data processing services, but not including the exchange of data and settlement of funds between 2 or more unaffiliated financial institutions resulting from transactions involving remote terminals under s. 186.113 (15), remote service units under s. 214.04 (21) or 215.13 (46), or customer bank communications terminals under s. 221.0303 (2).(c) “Interface agreement" means a written agreement specifying the terms and conditions under which an interface of communications, data, or systems between independent data processing servicers shall be accomplished. (2)  Ownership of financial institution data. If a financial institution transfers or otherwise makes available to an independent data processing servicer any data from the financial institution's records, this data shall remain the property of the financial institution. The independent data processing servicer has no right, title, or interest in, or claim to legal ownership of, the data. The transfer of the data by the financial institution authorizes the independent data processing servicer only to exercise temporary control of the data for the limited purpose of performing the contracted services requested by the financial institution. This subsection also applies with respect to an independent data processing servicer that receives a financial institution's data under an interface agreement or other agreement with another independent data processing servicer. (3)  Contract disclosures by independent data processing servicers. No independent data processing servicer may enter into a contract with a financial institution, or renew or amend such a contract, unless the contract discloses, in separate contract provisions, all of the following:(a) All fees or charges, including any fee schedule, that the independent data processing servicer may impose on the financial institution.(b) Any formula or other grounds that the independent data processing servicer may apply or rely upon to terminate the contract.History:  2019 a. 65.
WI Stat § 224.51 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.51 - College savings program vendor.

224.51  College savings program vendor. (1g) In this section, “department” means the department of financial institutions. (1m) The department shall determine the factors to be considered in selecting a vendor of the program under s. 224.50, which shall include:(a) The person's ability to satisfy record-keeping and reporting requirements.(b) The fees, if any, that the person proposes to charge account owners.(c) The person's plan for promoting the college savings program and the investment that the person is willing to make to promote the program.(d) The minimum initial contribution or minimum contributions that the person will require.(e) The ability and willingness of the person to accept electronic contributions.(f) The ability of the person to augment the college savings program with additional, beneficial services related to the program. (2) The department shall solicit competitive sealed proposals under s. 16.75 (2m) from nongovernmental persons to serve as vendor of the college savings program. The department shall select the vendor based upon factors determined by the department under sub. (1m). (3) The contract between the department and the vendor shall ensure all of the following:(a) That the vendor reimburses the state for all administrative costs that the state incurs for the college savings program.(b) That a firm of certified public accountants selected by the vendor annually audits the college savings program and provides a copy of the audit to the college savings program board.(c) That each account owner receives a quarterly statement that identifies the contributions to the college savings account during the preceding quarter, the total contributions to and the value of the college savings account through the end of the preceding quarter and any distributions made during the preceding quarter.(d) That the vendor communicate to the beneficiary and account owner the requirements of s. 224.50 (8).History:  1999 a. 44; 2001 a. 38 s. 12; 2011 a. 32; 2017 a. 59 ss. 114 to 117, 1706; Stats. 2017 s. 224.51.
WI Stat § 224.52 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.52 - Repayment to the general fund.

224.52  Repayment to the general fund. (1) The secretary of administration shall transfer from the tuition trust fund, the college savings program trust fund, the college savings program bank deposit trust fund, or the college savings program credit union deposit trust fund to the general fund an amount equal to the amount expended from the appropriations under s. 20.505 (9) (a), 1995 stats., s. 20.585 (2) (a), 2001 stats., and s. 20.585 (2) (am), 2001 stats., when the secretary of administration determines, after consultation with the secretary of financial institutions, that funds in those trust funds are sufficient to make the transfer. The secretary of administration may make the transfer in installments. (2) Annually, by June 1, the secretary of financial institutions, after consultation with the secretary of administration, shall submit a report to the joint committee on finance on the amount available for repayment under sub. (1), the amount repaid under sub. (1), and the outstanding balance under sub. (1).History:  2001 a. 16; 2003 a. 33; 2005 a. 478; 2011 a. 32 s. 77; Stats. 2011 s. 16.642; 2017 a. 59 s. 150; Stats. 2017 s. 224.52.
WI Stat § 224.722 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.722 - Registered entities.

224.722  Registered entities. (1) A depository institution may apply for registered entity status with the division. The application shall be on forms and in the manner prescribed by the division and the applicant shall pay the same fee as that established by rule under s. 224.72 (8) for mortgage bankers. The application shall be accompanied by a commercial surety bond in the amount of $300,000 that is issued by a surety company authorized to do business in this state and is written on a form that is acceptable to the division. (2) Upon the filing of an application for registered entity status and the payment of the required fee, the division shall make an investigation of the applicant. If the application is complete, and the division has no concerns regarding the applicant's character, general fitness, or financial responsibility, the division shall register the applicant as a registered entity. (3) Each registered entity shall register with the division each branch office where a mortgage loan originator sponsored by the registered entity engages in business as a mortgage loan originator. Applications for branch office registration shall be made on forms and in the manner prescribed by the division and shall be accompanied by the same fee as that established by rule for branch offices of mortgage bankers. (5) A depository institution's registered entity status, and the registration of all of its registered branch offices, expires on December 31 of each year. (6) A registered entity may apply to renew its registered entity status, and the registration of all of its registered branch offices, by timely submitting, on forms and in the manner prescribed by the division, a completed renewal application for the registered entity and for each branch office, along with the applicable fee under sub. (1) or (3). The division may not renew registered entity status under this section unless the division finds that the registered entity continues to meet the minimum standards for registration under this section. (7) If a registered entity fails to satisfy the minimum standards for renewal of its registration, its registration shall expire. If a registered entity fails to satisfy any requirement under sub. (6) for renewing its registration of a branch office, the registration for that branch office shall expire. (8) A registered entity shall cooperate with, and provide access to records and documents required by, the division to carry out examinations in accordance with s. 224.74 (2) of mortgage loan originators that are sponsored by the registered entity. History:  2013 a. 360.
WI Stat § 224.73 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.73 - Relationship between mortgage loan originator and a mortgage banker, mortgage broker, or registered entity; branch offices.

224.73  Relationship between mortgage loan originator and a mortgage banker, mortgage broker, or registered entity; branch offices. (1) Responsibility for mortgage loan originator. A mortgage banker, mortgage broker, or registered entity is responsible for, and shall supervise the acts of, a mortgage loan originator or any other person who otherwise acts on behalf of the mortgage banker, mortgage broker, or registered entity. (2)  Restriction on mortgage loan originator.  (a) If the division suspends or revokes a mortgage banker's or mortgage broker's license or a registered entity's registration, a mortgage loan originator may not act on behalf of that mortgage banker, mortgage broker, or registered entity during the period of suspension or revocation.(b) A mortgage loan originator may act on behalf of only the mortgage banker, mortgage broker, or registered entity with which that mortgage loan originator's license is associated in the records of the division. A mortgage loan originator's license may only be associated with one mortgage banker, mortgage broker, or registered entity at a time.  (3)  Transfer by mortgage loan originator.  (a) A licensed mortgage loan originator may apply, on forms and in the manner prescribed by the division, to transfer association to another licensed mortgage banker or mortgage broker or a registered entity. The division shall promulgate rules establishing a fee for a transfer application under this subsection.(b) A mortgage loan originator may not act on behalf of a mortgage banker, mortgage broker, or registered entity until the mortgage loan originator's license association has been transferred to that mortgage banker, mortgage broker, or registered entity in the records of the division.  (5)  Mortgage loan originators and branch offices.  (a) A mortgage loan originator shall be assigned to and work out of a licensed or registered office or branch office of the sponsoring mortgage banker, mortgage broker, or registered entity. This office shall either be the mortgage loan originator's residence or be within 100 miles of the mortgage loan originator's residence.(b) At each branch office of a mortgage banker or registered entity at which residential mortgage loans are originated for the mortgage banker or registered entity or for another person, and at each branch office of a mortgage broker, there shall be at least one licensed mortgage loan originator assigned to and working out of the office. If an individual is identified as a branch manager for the office, either in the records of the division or in the records of the mortgage banker, mortgage broker, or registered entity, the individual must be licensed as a mortgage loan originator. History:  1987 a. 359; 1987 a. 403 ss. 182, 256; Stats. 1987 s. 440.73; 1991 a. 39; 1995 a. 27 s. 6594; Stats. 1995 s. 224.73; 1997 a. 145; 2003 a. 260; 2009 a. 2; 2013 a. 360.
WI Stat § 224.76 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.76 - Mortgage banker, mortgage loan originator, and mortgage broker trust accounts.

224.76  Mortgage banker, mortgage loan originator, and mortgage broker trust accounts. A mortgage banker, mortgage loan originator, or mortgage broker shall deposit in one or more trust accounts all funds other than nonrefundable fees which it receives on behalf of any person, pending disbursement of the funds in accordance with instructions from the person on whose behalf the funds are deposited. A mortgage banker or mortgage broker shall maintain trust accounts in a depository institution. The mortgage banker or mortgage broker shall notify the division of the location of its trust accounts.History:  1987 a. 359; 1987 a. 403 s. 182; Stats. 1987 s. 440.76; 1995 a. 27 s. 6597; Stats. 1995 s. 224.76; 1997 a. 145; 2009 a. 2.
WI Stat § 224.80 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.80 - Penalties and private cause of action.

224.80  Penalties and private cause of action. (1) Penalties. A person who violates any provision of this subchapter or any rule promulgated under this subchapter may be fined not more than $25,000 or imprisoned for not more than 9 months or both. The district attorney of the county where the violation occurs shall enforce the penalty under this subsection on behalf of the state. (2)  Private cause of action. A person who is aggrieved by an act which is committed by a mortgage banker, mortgage loan originator, or mortgage broker in violation of any provision of this subchapter or of any rule promulgated under this subchapter may recover all of the following in a private action:(a) An amount equal to the greater of the following:1. Twice the amount of the cost of loan origination connected with the transaction, except that the liability under this subdivision may not be less than $100 nor greater than $25,000 for each violation.2. The actual damages, including any incidental and consequential damages, which the person sustained because of the violation.(b) The aggregate amount of costs and expenses which the court determines were reasonably incurred by the person in connection with the action, together with reasonable attorney fees, notwithstanding s. 814.04 (1).History:  1987 a. 359; 1987 a. 403 ss. 182, 256; Stats. 1987 s. 440.80; 1989 a. 45; 1995 a. 27 s. 6602; Stats. 1995 s. 224.80; 1997 a. 145; 2003 a. 260; 2009 a. 2.A “person who is aggrieved" under sub. (2) is one who suffered at least some actual injury or damage. Avudria v. McGlone Mortgage Company, Inc. 2011 WI App 95, 334 Wis. 2d 480, 802 N.W.2d 524, 10-2032.
WI Stat § 224.81 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.81 - Limitation on actions for commissions and other compensation.

224.81  Limitation on actions for commissions and other compensation. A person who is engaged in the business or acting in the capacity of a mortgage banker, mortgage loan originator, or mortgage broker in this state may not bring or maintain an action in this state to collect a commission, money, or other thing of value for performing an act as a mortgage banker, mortgage loan originator, or mortgage broker without alleging and proving that the person was licensed under this subchapter as a mortgage banker, mortgage loan originator, or mortgage broker when the alleged cause of action arose.History:  1987 a. 359; 1987 a. 403 s. 182; Stats. 1987 s. 440.81; 1995 a. 27 s. 6603; Stats. 1995 s. 224.81; 1997 a. 145; 2009 a. 2.
WI Stat § 224.82 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.82 - Compensation presumed.

224.82  Compensation presumed. In a prosecution arising from a violation of this subchapter, proof that a person acted as a mortgage banker, mortgage loan originator, or mortgage broker is sufficient, unless rebutted, to establish that compensation was received by, or promised to, that person.History:  1987 a. 359; 1987 a. 403 s. 182; Stats. 1987 s. 440.82; 1995 a. 27 s. 6604; Stats. 1995 s. 224.82; 1997 a. 145; 2009 a. 2.
WI Stat § 224.90 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.90 - Definitions.

224.90 Definitions. In this subchapter: (1) “Division" means the division of banking. (2) “In control" means any of the following:(a) Owning 10 percent or more of the outstanding voting stock of a nondepository lender.(b) Possessing, directly or indirectly, alone or in concert with others, the power to control or vote 10 percent or more of the outstanding voting stock of a nondepository lender or to elect or control the election of a majority of the board of directors of a nondepository lender. (3) “Licensee" means a lender licensed under this subchapter. (4) “Nondepository lender" means a commercial small business lender that participates in the loan guarantee program of the U.S. small business administration described in 13 CFR 120.2 (a) and that provides financial assistance to small businesses that qualify for financial assistance pursuant to 15 USC 636 (a). “Nondepository lender" does not include a bank, credit union, savings and loan association or savings bank.History:  1999 a. 9.
WI Stat § 224.92 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.92 - License required.

224.92  License required. No person may engage in business as a nondepository lender in this state without a license issued under this subchapter.History:  1999 a. 9.
WI Stat § 224.923 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.923 - License application.

224.923  License application. An application for a license under this subchapter shall be made to the division in writing on a form to be prescribed by the division. An application for a license under this subchapter shall state the full name and business address of the applicant and each officer, director and person in control of the applicant. The application also shall contain the applicant's federal employer identification number. In addition, the application shall contain the applicant's business plan, 3 years of detailed financial projections and other relevant information, all as prescribed by the division.History:  1999 a. 9.
WI Stat § 224.927 (2021)
2021 Wisconsin Statutes & Annotations|Chapter 224 - Miscellaneous banking and financial institutions provisions.|224.927 - Disclosure of certain application information.

224.927  Disclosure of certain application information. The division may not disclose an applicant's federal employer identification number received under s. 224.923, except as follows: (1) The division may disclose the information to the department of revenue for the sole purpose of requesting certifications under s. 73.0301 and to the department of workforce development for the sole purpose of requesting certifications under s. 108.227.  (2) The division may disclose the information to the department of children and families in accordance with a memorandum of understanding under s. 49.857.History:  1999 a. 9; 2007 a. 20; 2013 a. 36.