{"data":{"id":"us-wi/wis.-stat.-428.101","jurisdiction":"us-wi","citation":"Wis. Stat. § 428.101","heading":"Applicability.","body":"This subchapter applies to:\n(1) Loans made on or after April 6, 1980 and prior to November 1, 1981, by a creditor other than a savings and loan association to a customer and which are secured by a first lien real estate mortgage or equivalent security interest if the amount financed is $25,000 or less.\n(2) Loans made prior to April 6, 1980, by a creditor other than a savings and loan association and loans made before November 1, 1981, by a savings and loan association to a customer and which are secured by a first lien real estate mortgage or equivalent security interest if the annual percentage rate does not exceed 12 percent per year and the amount financed is $25,000 or less.\n(3) Loans made on or after November 1, 1981, by a creditor to a customer and which are secured by a first lien real estate mortgage or equivalent security interest if the amount financed is $25,000 or less.","path":["Chs. 421- 429, Wisconsin Consumer Act","Chapter 428 First Lien Real Estate And Other Mortgage Loans","SUBCHAPTER I FIRST LIEN REAL ESTATE LOANS"],"source_url":"https://docs.legis.wisconsin.gov/document/statutes/428.101","current_through":"2023-24 Wisconsin Statutes updated through 2025 Wis. Act 247 (published 9-4-26)","vintage":"","retrieved_at":"2026-09-05T12:01:24Z","sha256":"1b725e45dfc5acb21eb43e39d15a003f8eca3b8ffdd6f4e14d7d0b8e1ea55e61","source_id":"us-wi","stale":false,"prev":"us-wi/wis.-stat.-427.105","next":"us-wi/wis.-stat.-428.102"},"notice":"GroundRules: Original legal text. Not legal advice."}