Wisconsin Statutes
Wis. Stat. § 421.202 (2026)
Exclusions
✓ current as of July 2026
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421.202(3)(3) Charges for delayed payment and any discount allowed for early payment in transactions under public utility or common carrier tariffs if a subdivision or agency of this state or of the United States regulates such charges or discounts, or if such charges or discounts are made in connection with the furnishing of electric service by an electric cooperative organized and operating on a nonprofit basis under ch. 185.
421.202(4)(4) The ceilings on rates and charges of a licensed pawnbroker if these ceilings are established by statute or ordinance.
421.202(6)(6) Consumer credit transactions in which the amount financed exceeds $50,000, motor vehicle consumer leases in which the total lease obligation exceeds $50,000, or other consumer transactions in which the cash price exceeds $50,000.
Effective date noteNOTE: Sub. (6) is shown as amended eff. 1-1-27 by 2025 Wis. Act 105. Prior to 1-1-27 it reads:
Effective date text(6) Consumer credit transactions in which the amount financed exceeds $25,000, motor vehicle consumer leases in which the total lease obligation exceeds $25,000 or other consumer transactions in which the cash price exceeds $25,000.
421.202(7)(7) Transactions secured by a first lien real estate mortgage or equivalent security interest.
421.202(8)(8) Transactions in securities accounts or securities transactions by or with a broker-dealer, as defined in s. 551.102 (4), registered under ch. 551.
421.202(9)(9) Leases of motor vehicles that are not motor vehicle consumer leases under s. 421.301 (25m).
421.202(10)(10) Transactions that are primarily for an agricultural purpose, except that this subsection does not exclude transactions that are primarily for an agricultural purpose from ch. 427 and except that this subsection does not exclude credit transactions that are primarily for an agricultural purpose from s. 422.210.
421.202 HistoryHistory: 1971 c. 239; 1973 c. 18; 1975 c. 207; 1979 c. 89; 1995 a. 329; 1997 a. 302; 2005 a. 215; 2007 a. 196; 2025 a. 105.
421.202 AnnotationConsumer leases are subject to the exclusionary provision of sub. (6). “Amount financed” means the purchase price or cash price for property leased. American Industrial Leasing Co. v. Geiger, 118 Wis. 2d 140, 345 N.W.2d 527 (Ct. App. 1984).
Notes of Decisions
Cited in 14
cases (1 in the last 5 years), 1981–2023 · leading case: Ott v. Peppertree Resort Villas, Inc., 2006 WI App 77 (Wis. Ct. App. 2006).
Ott v. Peppertree Resort Villas, Inc., 2006 WI App 77 (Wis. Ct. App. 2006). “See Wis. Stat. § 421.202 (7) ("Chapters 421 to 427 do not apply to .”
Bank of Barron v. Gieseke, 485 N.W.2d 426 (Wis. Ct. App. 1992). “Section 421.202(6), Stats. They also base their claim on the fact that the CRESA is subtitled " (Loans to individuals for personal, family, household or agricultural purposes where amount financed is $25,000 or less.”
Dorr v. Sacred Heart Hosp., 597 N.W.2d 462 (Wis. Ct. App. 1999). “65 bill exceeded the Act's $25,000 monetary cap under § 421.202, Stats. The court reasoned that, while the separate bills for the two hospitalizations were less than the statutory cap, the hospital could combine those bills because both hospitalizations were related to injuries…”
Hauer v. Union State Bank of Wautoma, 532 N.W.2d 456 (Wis. Ct. App. 1995). “13 This concession was based on the fact that § 421.202(6), Stats., excludes recovery of attorney's fees in cases where the consumer credit transaction exceeds $25,000.”
Am. Indus. Leasing Co. v. Geiger, 345 N.W.2d 527 (Wis. Ct. App. 1984). “Consumer credit transactions in which the amount financed exceeds $25,000 or other consumer transactions in which the cash price exceeds $25,000; The Geigers argue that because the WCA defines “amount financed” in terms of consumer credit sales, and consumer loans and defines…”
Andress v. Daubert Law Firm LLC, 144 F. Supp. 3d 1034 (E.D. Wis. 2015). “(Docket # 13 at 10-11 (citing Wis. Stat. § 421.202 (6))). The defendants argue that the Court should dismiss Mr.”
Meas v. Young, 417 N.W.2d 55 (Wis. Ct. App. 1987). “Because we characterize the transaction as the sale of the Cechvala real estate to the realtors, the $25,000 limitation on transactions covered by the Consumer Act defeats the claim in this regard.”
Strohbehn v. Access Grp. Inc., 292 F. Supp. 3d 819 (E.D. Wis. 2017). “§ 421.202(6). Plaintiff's total loan disbursement was $60,000.”
Am. Indus. Leasing Co. v. Moderow, 432 N.W.2d 617 (Wis. Ct. App. 1988). “Section 421.202, Stats., provides: Exclusions.”
Grand River Coop. v. Terbeest, 426 N.W.2d 68 (Wis. Ct. App. 1988). “1 On appeal, the cooperative raises a threshold issue, arguing that the Wisconsin Consumer Act does not apply because sec. 421.202(6), Stats., excludes consumer credit transactions in which the amount financed exceeds $25,000.”
Ixonia State Bank v. Ingersoll (In Re Ingersoll), 8 B.R. 912 (Bankr. W.D. Wis. 1981). “§ 425.102. Because the Ixonia and Co-op loans are consumer credit transactions, the WCA, Chapter 425, applies unless the loans fit within an excluded category.”
Robert Karl v. Access Title Inc. (Wis. Ct. App. 2023). “§ 421.202(10), this act does not apply to a transaction that was “primarily for an agricultural purpose,” namely, the purchase of land for the purpose of operating a farm.”
— Wis. Stat. § 421.202(10) — 1 case
Robert Karl v. Access Title Inc. (Wis. Ct. App. 2023). “§ 421.202(10), this act does not apply to a transaction that was “primarily for an agricultural purpose,” namely, the purchase of land for the purpose of operating a farm.”
— Wis. Stat. § 421.202(6) — 7 cases
Bank of Barron v. Gieseke, 485 N.W.2d 426 (Wis. Ct. App. 1992). “Section 421.202(6), Stats. They also base their claim on the fact that the CRESA is subtitled " (Loans to individuals for personal, family, household or agricultural purposes where amount financed is $25,000 or less.”
Hauer v. Union State Bank of Wautoma, 532 N.W.2d 456 (Wis. Ct. App. 1995). “13 This concession was based on the fact that § 421.202(6), Stats., excludes recovery of attorney's fees in cases where the consumer credit transaction exceeds $25,000.”
Am. Indus. Leasing Co. v. Geiger, 345 N.W.2d 527 (Wis. Ct. App. 1984). “Consumer credit transactions in which the amount financed exceeds $25,000 or other consumer transactions in which the cash price exceeds $25,000; The Geigers argue that because the WCA defines “amount financed” in terms of consumer credit sales, and consumer loans and defines…”
Meas v. Young, 417 N.W.2d 55 (Wis. Ct. App. 1987). “Because we characterize the transaction as the sale of the Cechvala real estate to the realtors, the $25,000 limitation on transactions covered by the Consumer Act defeats the claim in this regard.”
Strohbehn v. Access Grp. Inc., 292 F. Supp. 3d 819 (E.D. Wis. 2017). “§ 421.202(6). Plaintiff's total loan disbursement was $60,000.”
— Wis. Stat. § 421.202(7) — 1 case
Ott v. Peppertree Resort Villas, Inc., 2006 WI App 77 (Wis. Ct. App. 2006). “See Wis. Stat. § 421.202 (7) ("Chapters 421 to 427 do not apply to .”
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