Rep. Russell Goodwin

Maddy summaryAB 763 caps the annual percentage rate (APR) for most consumer loans at 36%, affecting licensed lenders regulated by the Department of Financial Institutions. It requires these lenders to report detailed data on high-rate loans, including the number of loans above 18% APR, repossession rates, and default outcomes. The bill also clarifies who qualifies as a lender to prevent evasion, such as disguising loans as property sales or leasebacks. These changes aim to increase transparency and limit excessive interest charges for borrowers.

Maddy summaryAB 764 reforms payday loan regulations in the state. It defines "payday loan" as short-term, unsecured loans with terms under six months and requires lenders to verify borrowers' repayment ability before issuing loans. The bill caps total debt from all lenders at $1,500 or 35% of a borrower's monthly income, bans loans with maturity dates under 90 days, and mandates that all loans use precomputed interest (interest calculated upfront). These changes directly affect payday lenders and borrowers by imposing new underwriting standards, debt limits, and loan term requirements.

Maddy summaryAB 708 extends the lifespan of tax incremental districts (TIDs) used for housing improvements by up to three years after a city pays off project costs. It directly affects cities that have established TIDs for housing development, allowing them to continue using tax increment financing beyond the district's original expiration. The bill requires cities to submit extension resolutions to the Department of Revenue and obtain joint review board approval for extensions longer than one year. This change aims to provide more flexibility for cities to complete housing projects without losing access to dedicated funding streams.

Maddy summaryAB 748 exempts home producers of shelf-stable food products (like pickled fruits/vegetables and baked goods) from state licensing requirements, directly affecting small-scale home cooks and cottage food businesses. The bill creates a registration system requiring producers to register with the department, maintain liability insurance, and label products with their registration number, preparation date, and a "made in a private home" statement. It limits annual sales to under $40,000 and mandates specific labeling for allergens, while requiring inspections for producers with sales between $10,000-$40,000. Producers must sell directly to consumers (e.g., farmers' markets or home delivery) and comply with new safety labeling and insurance rules. The bill replaces prior licensing rules with this structured framework for home food sales.

Maddy summaryAB 760 raises the monetary threshold for certain small claims court cases from $5,000 to $10,000. It directly affects individuals filing third-party complaints, personal injury claims, or tort actions with claims of $10,000 or less. The bill changes the statute to allow these specific claim types to be handled in small claims court instead of regular civil court when the amount sought is $10,000 or less. This policy change simplifies access to a faster, less formal court process for qualifying cases.

Maddy summaryAB 719 replaces Wisconsin's existing "expenditure restraint incentive program" with a new "municipality payment program" that guarantees annual payments to eligible municipalities. The bill directly affects municipalities that received payments under the old program in 2024, 2025, or 2026, ensuring they receive each year a payment equal to their highest historical amount from those three years. Key provisions include creating a new payment account in the local government fund, setting payment schedules for July and November, and phasing out the old program after 2026 (effective July 2027). This change provides long-term budget certainty for municipalities while modifying the state's funding mechanism.

Maddy summaryAB 809 prohibits state and local government funding for investigations into pregnancy outcomes (like miscarriage or stillbirth) when treating the person as a crime suspect. It bans law enforcement from investigating individuals as suspects solely due to their own pregnancy outcomes, requiring consent before investigating cases involving others' pregnancy outcomes. The bill exempts women from civil or criminal liability for pregnancy outcomes (including miscarriage, abortion, or stillbirth) and amends statutes to clarify that abortion-related legal protections apply. It directly affects women experiencing pregnancy outcomes, law enforcement agencies, and health services (with limited exceptions for health investigations). The bill creates new legal protections by restricting investigations and eliminating liability for pregnancy-related events.

Maddy summaryAB 798 requires the Department of Transportation (DMV) to ask applicants for driver's licenses or ID cards whether they want to provide contact information for up to three primary caregivers during the application process. If provided, the DMV stores this information securely in the applicant's file. Law enforcement agencies can electronically request and access this caregiver information (along with emergency contacts from another law section) during emergencies, but the DMV cannot share it with anyone else. The bill aims to improve emergency contact access while maintaining privacy protections for applicants.

Maddy summaryAB 797 creates a $2.5 million grant program to help counties, cities, and towns test privately owned wells for water quality and map well locations. It provides up to $10,000 per grant for well testing, groundwater assessment, and geologic studies, plus separate grants for county health departments to offer well-testing education. The bill also requires municipalities with private wells to inform residents about testing importance and exempts the department from standard emergency rule procedures for implementing this program. The law appropriates funds for fiscal years 2025-26 and 2026-27 to support these concrete actions.

Maddy summaryAB 804 establishes two new grant programs: a $200,000 annual "Farm to Fork" grant for non-school entities (like businesses, hospitals, or universities with cafeterias) to connect local farms with food service operations, and a $250,000 annual "Farm to School" grant for school districts to expand local food sourcing. The bill prioritizes innovative proposals, high-need schools (where many students qualify for free/reduced meals), and projects supporting value-added agricultural products. It requires the Agriculture Department to administer the grants, provide annual legislative reports, and create rules for implementation. The legislation also adds one dedicated staff position to manage the Farm to Fork program.