Wisconsin Statutes
Wis. Stat. § 203.01 (2026)
Definitions
✓ current as of July 2026
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203.01(1)(1) “Business entity” means any corporation, limited liability company, partnership, association, or other commercial entity.
203.01(3)(3) “Consumer-directed wage access services” means the business of delivering to consumers access to earned but unpaid income that is based on the consumer’s representations and the provider’s reasonable determination of the consumer’s earned but unpaid income.
203.01(5)(5) “Earned but unpaid income” means salary, wages, compensation, or other income that a consumer or an employer has represented, and that a provider has reasonably determined, has been earned or accrued to the benefit of the consumer in exchange for the consumer’s provision of services to the employer or on behalf of the employer, including on an hourly, project-based, piecework, or other basis and including circumstances in which the consumer is acting as an independent contractor of the employer, but has not, at the time of the payment of proceeds, been paid to the consumer by the employer.
203.01(6)(6) “Earned wage access service” means the business of providing consumer-directed wage access services or employer-integrated wage access services, or both.
203.01(7)(a)2.2. Any other person who is contractually obligated to pay a consumer earned but unpaid income in exchange for the consumer’s provision of services to the employer or on behalf of the employer including on an hourly, project-based, piecework, or other basis and including circumstances in which the consumer is acting as an independent contractor with respect to the employer.
203.01(7)(b)2.2. Any other person whose obligation to make a payment of salary, wages, compensation, or other income to a consumer is not based on the provision of services by that consumer for or on behalf of the person.
203.01(8)(8) “Employer-integrated wage access services” means the business of delivering to consumers access to earned but unpaid income that is based on employment, income, or attendance data obtained directly or indirectly from an employer.
203.01(9)(a)1.1. A fee imposed by a provider for delivery or expedited delivery of proceeds to a consumer.
203.01(9)(a)2.2. A subscription or membership fee imposed by a provider for a bona fide group of services that include earned wage access services.
203.01(10)(10) “Licensee” means a business entity that is licensed by the division under s. 203.03 (1) as an earned wage access services provider.
203.01(11)(11) “Nationwide mortgage licensing system and registry” has the meaning given in 12 USC 5102 (6).
203.01(12)(12) “Outstanding proceeds” means proceeds remitted to a consumer by a provider that have not yet been repaid to the provider.
203.01(13)(13) “Proceeds” means a payment in U.S. dollars to a consumer by a provider that is based on earned but unpaid income.
203.01(14)(a)(a) Except as provided in par. (b), “provider” means a business entity that is in the business of providing earned wage access services to consumers.
203.01(14)(b)1.1. A service provider, such as a payroll service provider, whose role may include verifying the available earnings but that is not contractually obligated to fund proceeds delivered as part of an earned wage access service.
203.01(14)(b)2.2. An employer that offers a portion of salary, wages, or compensation directly to its employees or independent contractors prior to the normally scheduled pay date.
Notes of Decisions
Cited in 34
cases, 1927–2006 · leading case: Garrity v. Rural Mut. Ins., 253 N.W.2d 512 (Wis. 1977).
Garrity v. Rural Mut. Ins., 253 N.W.2d 512 (Wis. 1977). “” However, no such receipt could change the rights of the parties as determined by the statutory provision respecting subrogation.”
Kontowicz v. Am. Stand. Ins. Co. of Wisconsin, 2006 WI 48, 714 N.W.2d 105. “under the policy," "proof of loss," and "covered loss" relate historically to first-party claims, with the language of the statute coming from the standard fire insurance policy annexed to Wis. Stat. § 203.01 (1) (1973-74). ¶ 26 Respondents further reason that the inclusion of…”
Ruckel v. Gassner, 2002 WI 67, 646 N.W.2d 11. “The circuit court ruled that Rural Mutual's subrogation clause, approved by reference in Wis. Stat. § 203.01 (1969-70), gave Rural Mutual "the right of priority in any recovery of monies .”
Kontowicz v. Am. Stand. Ins., 2005 WI App 22, 693 N.W.2d 112. “They direct us to the standard fire insurance policy annexed to Wis. Stat. § 203.01 (1) (1973). This standard policy contains language and concepts also *673 contained in § 628.”
Villa Clement, Inc. v. Nat'l Union Fire Ins. Co. of Pittsburgh, 353 N.W.2d 369 (Wis. Ct. App. 1984). “(1973) ; the one-year suit clause contained in the statutory standard fire insurance policy, sec. 203.01, Stats. (1963) and (1955); and the interpretation given those statutes by the supreme court in Riteway and Skrupky : [A] .”
Oakley v. Fireman's Fund of Wisconsin, 459 N.W.2d 461 (Wis. Ct. App. 1990). “[2] Section 203.01, Stats. (1969), required the insurance commissioner to keep on file printed forms in blank of a standard fire insurance policy.”
Emmco Ins. v. Palatine Ins., 58 N.W.2d 525 (Wis. 1953). “nor shall the terms of this policy be waived or changed, except by indorsement issued to form a part of this policy," which is part of the standard policy provision prescribed by sec. 203.01, Stats. A plain reading, however, of such policy provision would seem to lead to the…”
Henri's Food Prods. Co. v. Home Ins., 474 F. Supp. 889 (E.D. Wis. 1979). “” This section reads in pertinent part: This company shall not be liable for loss by fire or other perils insured against in this policy caused, directly or indirectly, by: .”
Kisting v. Westchester Fire Ins. Co., 290 F. Supp. 141 (W.D. Wis. 1968). “The policy of insurance in the present case contains the following provisions which are also found in the Standard Fire Policy as prescribed by the Wisconsin state legislature, § 203.01, Wis. Stats.: “The insured, as often as may be reasonably required, shall exhibit to any…”
Am. Ins. Co. v. City of Milwaukee, 187 N.W.2d 142 (Wis. 1971). “8 Sec. 203.01, Stats. (Enlargement of coverage to include additional perils is expressly permitted by sec.”
Riteway Builders, Inc. v. First Nat'l Ins. Co. of Am., 126 N.W.2d 24 (Wis. 1964). “The standard policy is set forth in sec. 203.01, Stats., and its use for insuring against fire and lightning is mandatory by sec.”
Gambrell v. Campbellsport Mut. Ins., 177 N.W.2d 313 (Wis. 1970). “Both of these cases held that, where there is a total loss, the language of an insurance contract pursuant to the standard fire policy set forth in sec. 203.01, Stats., limiting liability to the actual loss, must yield to the public-policy mandate of the statute requiring…”
Wis. Stat. § 203.01(1): 1 case
Villa Clement, Inc. v. Nat'l Union Fire Ins. Co. of Pittsburgh, 353 N.W.2d 369 (Wis. Ct. App. 1984). “(1973) ; the one-year suit clause contained in the statutory standard fire insurance policy, sec. 203.01, Stats. (1963) and (1955); and the interpretation given those statutes by the supreme court in Riteway and Skrupky : [A] .”
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