As we last updated, the Wisconsin Supreme Court accepted review of Riffard v. Bank of America, which raised the question of whether the National Bank Act (NBA) preempts the Wisconsin Consumer Act’s (WCA) notice of default and...more
11/10/2025
/ Appeals ,
Appellate Courts ,
Banking Sector ,
Banks ,
Consumer Protection Laws ,
Debt Collection ,
Federal v State Law Application ,
Loans ,
National Bank Act ,
Preemption ,
Statutory Interpretation ,
Voluntary Dismissals ,
WI Supreme Court ,
Wisconsin
The Wisconsin Court of Appeals issued a significant decision in Birge v. Simplicity Credit Union, rejecting a consumer’s challenge to the use of the Uniform Commercial Code (UCC) safe-harbor pre-sale and post-sale notice...more
9/24/2025
/ Amicus Briefs ,
Appellate Courts ,
Class Action ,
Consumer Lenders ,
Consumer Protection Laws ,
Credit Unions ,
Creditors ,
Debt Collection ,
Lenders ,
Loans ,
Notice Requirements ,
Repossess ,
Safe Harbors ,
Statutory Interpretation ,
Uniform Commercial Code (UCC) ,
Wisconsin
The Wisconsin Supreme Court recently granted a petition for review of a Wisconsin Court of Appeals decision holding that the National Bank Act (NBA) does not preempt the Wisconsin Consumer Act’s notice of default and...more
9/15/2025
/ Appeals ,
Appellate Courts ,
Banking Sector ,
Banks ,
Consumer Protection Laws ,
Debt Collection ,
Dodd-Frank ,
National Bank Act ,
OCC ,
Preemption ,
Regulatory Oversight ,
State Law Claims ,
Supremacy Clause ,
WI Supreme Court ,
Wisconsin
With Loper Bright’s recent death blow to Chevron deference, some commentators have been predicting substantial constriction of the administrative state and the narrowing or limiting of the powers of federal regulators. For...more
7/25/2024
/ Chevron Deference ,
Consumer Financial Protection Bureau (CFPB) ,
Credit Applicants ,
ECOA ,
EFTA ,
Loper Bright Enterprises v Raimondo ,
Mortgage Lenders ,
Race Discrimination ,
Regulation B ,
Regulatory Authority ,
RESPA ,
Statutory Interpretation
Key points:
•The Wisconsin Supreme Court’s recent decision in Duncan v. Asset Recovery Specialists, 2022 WI 1, provides a clarifying interpretation of provisions of the Wisconsin Consumer Act (WCA) relating to...more
The Wisconsin Supreme Court recently delivered a welcome victory for creditors under the Wisconsin Consumer Act (WCA), limiting creditors’ liability for a failure to comply with the WCA’s procedural requirements, in a case,...more