Bureau of Consumer Affairs - Consumer Information
The Wisconsin Consumer Act is the law that governs consumer credit transactions and the collection of consumer debt in Wisconsin.
Information for consumers may be obtained through the links below.
Wisconsin Consumer Act Business Guidance provides information for creditors and merchants offering and extending credit to Wisconsin consumers.
Wisconsin Consumer Act (WCA) Coverage Changes
The WCA (Chapters 421-427 of the Wisconsin Statutes) is the law that governs consumer credit transactions and the collection of consumer debt in Wisconsin. Currently, consumer transactions exceeding $25,000 are excluded from coverage under the WCA. 2025 Wisconsin Act 105 includes an amendment to Wis. Stat. s. 421.202(6) that will broaden the coverage of the WCA to include transactions up to $50,000. This amendment goes into effect on January 1, 2027. Lenders should take steps to ensure their policies, procedures, and loan management systems are updated accordingly.
Contact Us
Phone: (608) 264-7969
Toll-Free: (800) 452-3328 (in Wisconsin)
Fax: (608) 264-7968
Mailing Address:
Wisconsin Department of Financial Institutions
Bureau of Consumer Affairs
PO Box 8041
Madison, WI 53708-8041
Physical Address:
Wisconsin Department of Financial Institutions
Bureau of Consumer Affairs
4822 Madison Yards Way, North Tower
Madison, WI 53705