Wisconsin Statutes

Wis. Stat. § 425.303 (2026)

Remedy and penalty for certain violations

✓ current as of July 2026

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425.303425.303 Remedy and penalty for certain violations. A person who commits a violation to which this section applies is liable to the customer in an amount equal to:

425.303(1)(1) One hundred dollars; and

425.303(2)(2) The actual damages, including any incidental and consequential damages, sustained by the customer by reason of the violation.

425.303 HistoryHistory: 1971 c. 239.

Notes of Decisions

Cited in 5 cases (2 in the last 5 years), 1996–2023 · leading case: Sec. Fin. v. Brian Kirsch, 926 N.W.2d 167 (Wis. 2019).

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Sec. Fin. v. Brian Kirsch, 926 N.W.2d 167 (Wis. 2019). · cites it 4× “107 (providing for remedies and penalties under Wis. Stat. § 425.303 where a consumer credit transaction is unconscionable); Wis.”

Gable v. Universal Acceptance Corp., 338 F. Supp. 3d 943 (E.D. Wis. 2018). · cites it 2× “That section provides in pertinent part: With respect to a consumer credit transaction, if the court as a matter of law finds that any aspect of the transaction, any conduct directed against the customer by a party to the transaction, or any result of the transaction is…”

Danelle Duncan v. Asset Recovery Specialists, Inc., 2022 WI 1 (Wis. 2022). “§ 425.303 . See § 425.107(5). ¶25 The general rule in the Wisconsin Consumer Act is that "[a]ny right or obligation declared" in the Act "is enforceable by action unless the provision declaring it specifies a different and limited effect.”

Creditbox.com, LLC v. Antjuan Weathers, 2023 WI App 37 (Wis. Ct. App. 2023). · cites it 2× “Section 425.303 provides for a fine of $100 and the “actual damages, including any incidental and consequential damages, sustained by the customer by reason of the violation.”

River Bank of De Soto v. Fisher, 550 N.W.2d 429 (Wis. 1996). · cites it 2× “See Wis. Stat. § 425.303 . The *248 court of appeals reversed, holding that the Bank's conduct was not unconscionable, as that term is used in the Wisconsin Consumer Act.”

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