State Law Guide - Updated January 2026
Wisconsin GAP/VSC Refund Demand Rights
Under Wisconsin Administrative Code DFI-Sec, Wisconsin gives you the right to cancel and receive refunds on F&I products. 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. 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 |
|---|---|---|
| Cancellation Fee | $0 (prohibited) | No fee can be charged to cancel |
| Refund Calculation | Rule of 78 minimum | Must use Rule of 78 or better method |
| Refund Deadline | 45 days | Refund must be issued within 45 days |
| Pro-Rata Refund | Required | Entitled to unused portion with no deductions |
| DFI Oversight | Active | File complaints with Dept of Financial Institutions |
Cancellation Fee
$0 (prohibited)Refund Calculation
Rule of 78 minimumRefund Deadline
45 daysPro-Rata Refund
RequiredDFI Oversight
ActiveWhat Wisconsin Law Requires
Your Cancellation Rights
Under Wisconsin Administrative Code DFI-Sec, Wisconsin consumers have the right to cancel F&I products purchased from dealers.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.
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$39 - Avg Wisconsin refund: $580 - Potential 14x return
Frequently Asked Questions
Does Wisconsin charge cancellation fees for GAP?
No. Wisconsin is one of the few states that completely prohibits cancellation fees on GAP insurance and similar products. You receive the full pro-rata refund with no deductions.
What is the Rule of 78 for GAP refunds?
The Rule of 78 is a calculation method that front-loads more value to the early months of coverage. Wisconsin requires dealers to use either Rule of 78 or a more consumer-favorable method, ensuring you get the maximum refund.
How long does a Wisconsin refund take?
Under Wisconsin law, dealers must process your GAP refund within 45 days of receiving your cancellation request. If they fail to do so, you may be entitled to damages.
Where do I complain about a Wisconsin dealer?
File complaints with the Wisconsin Department of Financial Institutions (DFI). They regulate service contract providers and investigate consumer complaints.
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
See how Wisconsin's laws compare to other states:
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Based on Wisconsin Administrative Code DFI-Sec