Wisconsin Statutes
Wis. Stat. § 422.409 (2026)
Notice of assignment
✓ current as of July 2026
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422.409(1)(1) The customer is authorized to pay the assignor until the customer receives notification of assignment of the rights to payment pursuant to a consumer credit transaction and that payment is to be made to the assignee. A notification which does not reasonably identify the rights assigned is ineffective. If requested by the customer, the assignee must seasonably furnish reasonable proof that the assignment has been made and unless the assignee does so the customer may pay the assignor.
422.409(2)(2) The notification of assignment shall be in writing and addressed to the customer at the customer’s address as stated in the contract, shall be accompanied by a copy of the contract or shall identify the contract, describe the goods or services, state the names of the assignor and the customer, the name and address of the assignee, the number, amount and due dates or periods of payments scheduled to repay the indebtedness and, except in the case of a transaction secured by a first lien mortgage or equivalent security interest for the purpose of the acquisition of a dwelling, the total of payments. A provision in the assigned contract that the customer waives or will not assert claims or defenses against the assignee under s. 422.407 (2) shall not be effective unless the notification of assignment also contains a clear and conspicuous statement that the customer has 12 months within which to notify the assignee in writing of any complaints, claims or defenses the customer may have against the assignor and that if the customer does not give such notice, the assignee or subsequent assignees will have the right to enforce the contract free of such claims or defenses subject to chs. 421 to 427.
Notes of Decisions
Cited in 5
cases (2 in the last 5 years), 2004–2025 · leading case: Danelle Duncan v. Asset Recovery Specialists, Inc., 2022 WI 1 (Wis. 2022).
Danelle Duncan v. Asset Recovery Specialists, Inc., 2022 WI 1 (Wis. 2022). “§ 422.409 (2), which imposes requirements on certain payment-assignment notices.”
Scheunemann v. J.C. Christensen & Assocs., Inc., 802 F. Supp. 2d 981 (E.D. Wis. 2011). “Here, the plaintiffs premise their claim under § 1692e(5) and (10) on the fact that Resurgent was not authorized to threaten a lawsuit against plaintiffs because Resurgent did not provide plaintiffs with the proper notice of assignment of debt under Wis. Stat. § 422.409 .…”
Cent. Prairie Fin. LLC v. Yang, 2013 WI App 82 (Wis. Ct. App. 2013). “In response, Yang answered that he was "without knowledge or *586 information sufficient to form a belief as to the truth" of the material allegations and counterclaimed regarding alleged violations ofWis. Stat. §§ 422.409(2) (describing notice of assignment necessary for…”
Plaza Servs. LLC v. Kimberly Burton (Wis. Ct. App. 2025). “, the “right” remains—Plaza did not falsely represent the legal status of the debt under the FDCPA.”
Clearpointe Capital, Inc. v. Townsend, 685 N.W.2d 172 (Wis. Ct. App. 2004). “We conclude that the original installment contract Townsend signed provided him with sufficient notice of assignment and complies in all other respects with the requirements of § 422.409. It clearly identifies "Steenberg Homes, Inc.”
— Wis. Stat. § 422.409(2) — 2 cases
Danelle Duncan v. Asset Recovery Specialists, Inc., 2022 WI 1 (Wis. 2022). “§ 422.409 (2), which imposes requirements on certain payment-assignment notices.”
Cent. Prairie Fin. LLC v. Yang, 2013 WI App 82 (Wis. Ct. App. 2013). “In response, Yang answered that he was "without knowledge or *586 information sufficient to form a belief as to the truth" of the material allegations and counterclaimed regarding alleged violations ofWis. Stat. §§ 422.409(2) (describing notice of assignment necessary for…”
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