Wisconsin Statutes
Wis. Stat. § 423.202 (2026)
Right to cancel: manner of cancellation
✓ current as of July 2026
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423.202(1)(1) Except as provided in sub. (4), in addition to any right otherwise to revoke an offer, to rescind the transaction or to exercise any remedy for the merchant’s breach, a customer has the right to cancel a consumer approval transaction until midnight of the 3rd business day after the merchant has given the notice to the customer in accordance with s. 423.203.
423.202(2)(2) Except as provided in sub. (2m), notice of cancellation shall be by mail addressed to the merchant and shall be considered given at the time mailed.
423.202(2m)(2m) If the property which is the subject of the transaction must be custom made in the ordinary course of business, and is unique to that transaction, the merchant may require that the notice of cancellation, if given, be made by certified or registered mail.
423.202(3)(3) Notice of cancellation by the customer need not take a particular form and is sufficient if it indicates by any form of written expression the intention of the customer not to be bound by the consumer approval transaction.
423.202(4)(a)(a) The customer has determined that a delay of 3 business days in performance of the merchant’s obligation under the transaction will jeopardize the welfare, health or safety of natural persons or endanger property which the customer owns or for which the customer is responsible;
423.202(4)(b)(b) The customer furnishes the merchant with a separate dated and signed personal statement describing the situation requiring immediate remedy and modifying or waiving the customer’s right of rescission. The use of printed forms for this purpose is prohibited;
423.202(4)(c)(c) The merchant in good faith makes a substantial beginning of performance of the contract before the customer gives notice of cancellation; and
423.202(4)(d)(d) In the case of goods, the goods cannot be returned to the merchant in substantially as good condition as when received by the customer.
Notes of Decisions
Cited in 6
cases (2 in the last 5 years), 1979–2026 · leading case: Reusch v. Roob, 2000 WI App 76 (Wis. Ct. App. 2000).
Reusch v. Roob, 2000 WI App 76 (Wis. Ct. App. 2000). “Thus, the trial court found that Roob violated the Wisconsin Consumer Act for failing to provide the plaintiffs with notice of their right to rescind their con *276 tract within three business days of the transaction as provided by Wis. Stat. §§ 423.202 and 423.203, and again…”
Ixonia State Bank v. Ingersoll (In Re Ingersoll), 8 B.R. 912 (Bankr. W.D. Wis. 1981). “§ 423.202. (The notes involved here are not consumer approval transactions.”
Lietz (E.D. Wis. 2026). “Even if the financing agreement qualified as a “consumer approval transaction,” the time limits in Wis. Stat. §423.202 preclude the plaintiff’s claim.”
Wind Point Restoration, Inc. v. Anne Weikel (Wis. Ct. App. 2020). “§ 423.202(1) right to cancel. ¶5 Weikel opposed the motion to dismiss.”
Michelle Lynn McNeil v. Carvana, LLC (Wis. Ct. App. 2025). “§ 423.202 (addressing right to cancel “consumer approval transactions,” which must be “initiated by face-to-face solicitation away from the regular place of business of the merchant,” WIS.”
Bechstein v. Brandenburger & Davis, 474 F. Supp. 971 (E.D. Wis. 1979). “Section 423.202(1), Wis.Stats., provides that “a customer has the right to cancel a consumer approval transaction until midnight of the 3rd business day after the merchant has given the notice to the customer” that he has a right to rescind.”
Wis. Stat. § 423.202(1): 2 cases
Wind Point Restoration, Inc. v. Anne Weikel (Wis. Ct. App. 2020). “§ 423.202(1) right to cancel. ¶5 Weikel opposed the motion to dismiss.”
Bechstein v. Brandenburger & Davis, 474 F. Supp. 971 (E.D. Wis. 1979). “Section 423.202(1), Wis.Stats., provides that “a customer has the right to cancel a consumer approval transaction until midnight of the 3rd business day after the merchant has given the notice to the customer” that he has a right to rescind.”
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