The first document governs the authority of bank-owned banks to provide banking and bank-related services to various entities and individuals related to depository institutions. The second document outlines the operations of banks through their operating subsidiaries, including the activities permitted for these subsidiaries and the limitations on transactions between the parent bank and the subsidiaries. The third document governs the leasing of personal property by banks, specifying the types of leases allowed and the provisions related to net leases.

This legal document provides definitions for various terms related to mortgage banking regulation. It defines the division of banking, investor, licensee, loan application fee, loan commitment, loan commitment fee, person, trust account, and trust funds. The document clarifies that trust funds do not include nonrefundable loan application fees. It applies to persons who are licensed under s. 224.72 or 224.725, Stats. The document does not mention any exemptions or penalties. It also states that a person who provides funding for a loan must be licensed as a mortgage banker if they are in the business of originating loans directly with loan applicants.

This legal document provides definitions related to various aspects of banking operations. It defines a ‘branch’ as a permanent, attended banking facility authorized by s. 221.0302, Stats., which has no separate legal identity, assets, or liabilities from the home office. The term ‘home office’ refers to a bank chartered pursuant to s. 221.0208, Stats., that owns and operates one or more branches. A ‘paying and receiving station’ is a permanent, attended facility authorized to cash checks, accept deposits, make withdrawals, or accept loan payments, or an unattended night depository.

The provided legal document content pertains to the retention of books and records by banks in Wisconsin. Each bank is required to retain its records in a manner consistent with prudent business practices and in accordance with applicable state or federal laws, rules, and regulations. The record retention system used must be able to accurately produce such records. Banks are allowed to destroy their records, except where a retention period is required by state or federal laws, rules, or regulations.

The provided legal document content governs the sale of credit life and health and accident insurance in connection with credit union loans. It states that commissions on the sale of such insurance must be paid to the credit union and become a part of its gross income to avoid conflicts of interest. The credit union is not allowed to share this income with officers, directors, committee members, or employees on a percentage basis.

This legal document provides definitions for various terms and concepts related to savings bank mutual holding companies. It outlines two methods of reorganization: organizing subsidiary stock savings banks and transferring assets, insured deposits, and liabilities, or organizing a first-tier subsidiary stock savings bank, which then organizes a second-tier subsidiary stock savings bank and transfers assets, insured deposits, and liabilities through a merger. The document also mentions the possibility of organizing a mutual holding company with the approval of the division, which then organizes a subsidiary stock savings bank and transfers assets, insured deposits, and liabilities through a merger.

It is an unconscionable credit practice, pursuant to s. 426.108 , Stats., for any credit grantor to issue a credit card in the name of any person under terms which purport to create the contractual liability of that person in any manner inconsistent with s. DFI-WCA 1.351 unless the person to be held liable personally requested the creditor to issue the card and open the account. History: Cr. Register, October, 1980, No.

It is an unconscionable credit practice, pursuant to s. 426.108 , Stats., for any person to sell the credit card account numbers of any other person to another for any purpose. History: Cr. Register, February, 1993, No. 446, eff. 3-1-93.

This document contains definitions that are applicable to the rules adopted by the division of gaming in Wisconsin. It covers various terms such as ‘Administrator’, ‘Applicant’, ‘Association’, ‘Best efforts’, ‘Board’, ‘Breakage’, ‘Business day’, ‘Daily race program’, ‘Division’, ‘Greyhound age’, ‘Host track’, ‘Immediate family member’, ‘Intertrack wager’, ‘Intertrack wagering licensee’, ‘Inquiry’, ‘Multiple pools’, ‘Out-of-state legal wagering entity’, ‘Out-of-state racetrack’, ‘Outs money’, ‘Paddock’, ‘Parent corporation’, ‘Pari-mutuel’, ‘Presiding officer’, ‘Profit split’, ‘Race’, ‘Race day’, ‘Race meet’, ‘Race performance’, ‘Resident of this state’, ‘Serious violation’, ‘Single price pool’, ‘Wagering revenue’, ‘Weight loser’, ‘Whelped’, ‘Working day’, and ‘Year’.

This legal document, part of the Wisconsin Administrative Code under the Department of Administration [Gaming], governs the supervision of the pari-mutuel wagering system, collection of taxes prescribed in the act, and protection of the wagering public. It applies to associations involved in totalizator operations in Wisconsin, totalizator system licensees, mutuel managers, and division auditors. The document provides definitions for various terms related to totalizator operations in the context of pari-mutuel wagering.