Wisconsin Statutes
Wis. Stat. § 422.305 (2026)
Notice to obligors
✓ current as of July 2026
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422.305(1)(1) No natural person is obligated to assume personal liability for payment of an obligation arising out of a consumer credit transaction unless the person, in addition to signing the writing evidencing the consumer credit transaction, or a separate guaranty or similar instrument, also either receives a copy of each instrument, document, agreement and contract which is signed by the customer and which evidences the customer’s obligation to pay, or signs and receives at the time of signing a separate instrument in substantially the following language:
EXPLANATION OF
PERSONAL OBLIGATION
(a) You have agreed to pay the total of payments under a consumer credit transaction between .... (name of customer) and .... (name of merchant) made on .... (date of transaction) for .... (description of purpose of credit, i.e. sale or loan) in the amount of $.....
(b) You will be liable and fully responsible for payment of the above amount even though you may not be entitled to any of the goods, services or loan furnished thereunder.
(c) You may be sued in court for the payment of the amount due under this consumer credit transaction even though the customer named above may be working or have funds to pay the amount due.
(d) This explanation is not the agreement under which you are obligated, and the guaranty or agreement you have executed must be consulted for the exact terms of your obligations.
(e) You are entitled now, or at any time, to one free copy of any document you sign evidencing this transaction.
(f) The undersigned acknowledges receipt of an exact copy of this notice.
.... (Signature)
422.305(2)(2) The notice must be printed, typed or otherwise reproduced in a size and style equal to at least 10-point boldface type or such similar type as prescribed by the administrator, and shall contain only the matter above set forth and the address of the merchant.
422.305(3)(3) This notice shall not be required to be given to a merchant who endorses or is otherwise liable for payment to an assignee or holder of the customer’s obligation.
422.305(4)(4) The notice required by this section shall not act to increase or decrease the liability of a cosigner.
422.305(5)(5) Taking or arranging for a person to sign an instrument in violation of this section is a violation subject to s. 425.304.
Notes of Decisions
Cited in 4
cases, 1988–2000 · leading case: Grand River Coop. v. Terbeest, 426 N.W.2d 68 (Wis. Ct. App. 1988).
Grand River Coop. v. Terbeest, 426 N.W.2d 68 (Wis. Ct. App. 1988). “The issue on appeal is whether the cooperative’s failure to obtain the Terbeests’ signature to a writing evidencing this consumer credit transaction, pursuant to the Wisconsin Consumer Act, sec. 422.305(1), Stats., is fatal to the cooperative’s action.”
River Bank of DeSoto v. Fisher, 556 N.W.2d 324 (Wis. 1996). “Section 422.305(1) 4 similarly requires that copies of relevant documents be furnished a guarantor.”
Severson Agri-Serv., Inc. v. Lander, 493 N.W.2d 230 (Wis. Ct. App. 1992). “*273 The Landers' reliance on sec. 422.305(1), Stats., is similarly misplaced.”
Dean Med. Ctr., S.C. v. Conners, 2000 WI App 202 (Wis. Ct. App. 2000). “Fields disputed his liability and argued that the purchases of medical care were consumer credit transactions and that Dean had violated the WCA by not providing the notice required by Wis. Stat. § 422.305 (1). Additionally, he asserted that his responsibility for medical…”
— Wis. Stat. § 422.305(1) — 4 cases
Grand River Coop. v. Terbeest, 426 N.W.2d 68 (Wis. Ct. App. 1988). “The issue on appeal is whether the cooperative’s failure to obtain the Terbeests’ signature to a writing evidencing this consumer credit transaction, pursuant to the Wisconsin Consumer Act, sec. 422.305(1), Stats., is fatal to the cooperative’s action.”
River Bank of DeSoto v. Fisher, 556 N.W.2d 324 (Wis. 1996). “Section 422.305(1) 4 similarly requires that copies of relevant documents be furnished a guarantor.”
Severson Agri-Serv., Inc. v. Lander, 493 N.W.2d 230 (Wis. Ct. App. 1992). “*273 The Landers' reliance on sec. 422.305(1), Stats., is similarly misplaced.”
Dean Med. Ctr., S.C. v. Conners, 2000 WI App 202 (Wis. Ct. App. 2000). “Fields disputed his liability and argued that the purchases of medical care were consumer credit transactions and that Dean had violated the WCA by not providing the notice required by Wis. Stat. § 422.305 (1). Additionally, he asserted that his responsibility for medical…”
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