State Law Guide - Updated January 2026
Wisconsin F&I Product Cancellation Rights
Under Wisconsin Administrative Code Chapter DFI-Sec, Wisconsin gives you the right to cancel and receive refunds on F&I products. You have a 30 days free look period for full refunds. Dealers who fail to comply face Actual damages plus potential punitive damages.
Quick Answer
In Wisconsin, you can cancel dealer add-on products at any time. During the first 30 days, you receive a full refund with no fee. Refunds must be issued within 45 days. You can sue in Small Claims Court for up to $10,000.
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Key Wisconsin Provisions
| Provision | Requirement | Your Right |
|---|---|---|
| Free Look Period | 30 days | Full refund within 30 days, no fee allowed |
| Cancellation Fee | $0 (prohibited) | Wisconsin prohibits all cancellation fees |
| Refund Deadline | 45 days | Refund must be issued within 45 days |
| Refund Calculation | Rule of 78 minimum | Must use Rule of 78 or more favorable method |
| Pro-Rata Refund | Required | Unused portion with no deductions for fees |
Free Look Period
30 daysCancellation Fee
$0 (prohibited)Refund Deadline
45 daysRefund Calculation
Rule of 78 minimumPro-Rata Refund
RequiredWhat Wisconsin Law Requires
Your Cancellation Rights
Under Wisconsin Administrative Code Chapter DFI-Sec, Wisconsin consumers have the right to cancel F&I products purchased from dealers. During the free look period (30 days), you receive a full refund with no cancellation fee.After this period, you're still entitled to a pro-rata refund based on unused time or mileage.
Refund Timeline
Once you submit a cancellation request, the dealer or administrator has 45 days to process your refund. Failure to comply may result in Actual damages plus potential punitive damages.
Special Wisconsin Provision
Rule of 78 minimum refund calculation
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State-Specific Citations
Maximum refund amounts
$29 - Avg Wisconsin refund: $1,000 - Potential 34x return
Frequently Asked Questions
Does Wisconsin allow cancellation fees?
No. Wisconsin is one of the few states that completely prohibits cancellation fees on service contracts and F&I products. If a dealer tries to charge you a fee, it's a violation of Wisconsin law.
What is the Rule of 78 in Wisconsin?
The Rule of 78 is a calculation method that determines your refund amount. Wisconsin requires dealers to use either Rule of 78 or a more consumer-favorable method, ensuring you get the maximum refund possible.
How long do I have to cancel in Wisconsin?
Wisconsin provides a 30-day free look period for a full refund. After that, you can still cancel and receive a pro-rata refund with no cancellation fees.
What if my Wisconsin dealer refuses to refund?
File a complaint with the Wisconsin Department of Financial Institutions (DFI). You may also be entitled to actual damages and potentially punitive damages in court.
Wisconsin Regulatory Contacts
If you need to file a complaint or seek assistance, contact these official agencies:
Contact information is provided for reference. Verify current details on official agency websites.
Compare Other States
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Based on Wisconsin Administrative Code Chapter DFI-Sec