Wis. Stat. » CHAPTER 421 — CONSUMER TRANSACTIONS — GENERAL PROVISIONS AND DEFINITIONS
Wisconsin Statutes

Wis. Stat. § 421.103 (2026)

Applicable law

✓ current as of July 2026
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421.103421.103 Applicable law.
421.103(1)(1) Unless superseded by the particular provisions of chs. 421 to 427, chs. 401 to 411 and the principles of law and equity, including the law relative to capacity to contract, principal and agent, estoppel, fraud, misrepresentation, duress, coercion, mistake, bankruptcy, or other validating or invalidating cause supplement chs. 421 to 427.
421.103(2)(2) Unless terms used in chs. 421 to 427 are defined by particular provisions of chs. 421 to 427, they shall have the meaning given them in chs. 401 to 411 and 429, if they are defined in chs. 401 to 411 and 429.
421.103(3)(3) Unless superseded by the particular provisions of chs. 421 to 427 parties to a consumer transaction have all of the obligations, duties, rights and remedies provided in chs. 401 to 411 which apply to the transaction.
421.103(4)(4) Chapters 421 to 427 shall not preempt the administration or enforcement of ch. 100. Conduct proscribed under s. 423.301, 426.108, 426.109 or 426.110 may also constitute violations of s. 100.18 or 100.20.
421.103 HistoryHistory: 1971 c. 239; 1979 c. 89, 177; 1991 a. 148, 304, 315; 1995 a. 329.
Notes of Decisions
Cited in 6 cases (3 in the last 5 years), 1998–2026 · leading case: State Farm Mut. Auto. Ins. v. Ford Motor Co., 592 N.W.2d 201 (Wis. 1999).
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State Farm Mut. Auto. Ins. v. Ford Motor Co., 592 N.W.2d 201 (Wis. 1999). · cites it 4× “However, "[u]nless superseded by the particular provisions of chs. 421 to 427 parties to a consumer transaction have all of the obligations, duties, rights and remedies provided in chs.”
Boerner v. LVNV Funding LLC, 358 F. Supp. 3d 767 (E.D. Wis. 2019). · cites it 2× “Wis. Stat § 421.103 does not define the term "accelerate.”
LeBakken Rent-To-Own v. Warnell, 589 N.W.2d 425 (Wis. Ct. App. 1998). · cites it 4× “" Section 421.103(2), STATS., provides that if ch.”
Brenda Taylor v. Niswi, LC d/b/a Lendumo, Soaren Mgmt., LLC, LDF Holdings, LLC, Brittany Allen, John Does 1-20 (S.D. Ind. 2026). · cites it 3× “Wis. Stat. § 421.103 (1). Chapters 401 to 411 of the Wisconsin Code, which are incorporated into the Wisconsin Consumer Act, as shown in the quoted language above, is the Wisconsin Uniform Commercial Code, which also governs principles of contract formation.”
Hanson, Randy v. Santander Consum. USA, Inc. (W.D. Wis. 2025). · cites it 2× “5 The relationship between obligations owed under the UCC and WCA is discussed in Wis. Stat. § 421.103 (3), which states that “[u]nless superseded by the particular provisions of chs.”
Daniel Birge v. Simplicity Credit Union (Wis. Ct. App. 2025). “210 do not conflict as the Birges argue, and are in fact complementary parts of a cohesive statutory scheme.”
— Wis. Stat. § 421.103(2) — 1 case
LeBakken Rent-To-Own v. Warnell, 589 N.W.2d 425 (Wis. Ct. App. 1998). “" Section 421.103(2), STATS., provides that if ch.”
— Wis. Stat. § 421.103(3) — 1 case
Daniel Birge v. Simplicity Credit Union (Wis. Ct. App. 2025). “210 do not conflict as the Birges argue, and are in fact complementary parts of a cohesive statutory scheme.”
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