Register December 2012 No. 684
Chapter DFI-SL 12
REMOTE SERVICE UNITS
DFI-SL 12.02 Definitions.
DFI-SL 12.03 Advance notice and approval required.
DFI-SL 12.04 Restrictions on access prohibited.
DFI-SL 12.05 Discriminatory rates or services prohibited.
DFI-SL 12.06 Confidentiality and security requirements.
DFI-SL 12.07 Allocation of liability.
DFI-SL 12.08 Customer service and disclosure requirements.
DFI-SL 12.09 Charge backs.
DFI-SL 12.10 Advertising restrictions.
DFI-SL 12.11 Filing of supplemental information.
Ch. DFI-SL 12 Note
Note: Chapter S-L 12 was renumbered chapter DFI-SL 12 under s. 13.93 (2m) (b) 1., Stats., and corrections made under s. 13.93 (2m) (b) 6. and 7., Stats.,
Register, July, 1998, No. 511.
DFI-SL 12.01
DFI-SL 12.01
Joint rule. This chapter is promulgated as a joint rule by the office of the division of savings institutions and the division of banking in accordance with s.
215.13 (46) (a) 1., Stats.
DFI-SL 12.01 History
History: Cr.
Register, June, 1989, No. 402, eff. 7-1-89.
DFI-SL 12.02(1)
(1) "Commissioner" means the commissioner of savings and loan or his or her authorized representative.
DFI-SL 12.02(3)
(3) "Financial institution" means a state or federal savings and loan association, a state or national bank, a state or federal credit union or a mutual savings bank.
DFI-SL 12.02(5)
(5) "Supplier" means any person furnishing equipment, goods or services used to complete any function performed through a given remote service unit.
DFI-SL 12.02 Note
Note: The commissioner of savings and loan has been replaced by the division of banking.
DFI-SL 12.02 History
History: Cr.
Register, June, 1989, No. 402, eff. 7-1-89; correction in (4) made under s.
13.92 (4) (b) 1., Stats.,
Register December 2012 No. 684.
DFI-SL 12.03
DFI-SL 12.03
Advance notice and approval required. Each association proposing to engage in an activity authorized under s.
215.13 (46), Stats., or proposing to change the place or manner in which it engages in such an activity shall file with the division an application containing such information as the division may from time to time prescribe. No association may commence any such activity unless the place and manner in which the activity is conducted has been approved by the division in writing or the division does not take written objection to the association's completed application within 30 days after it has been filed under this section. If the division regularly receives information on additions, deletions or changes in locations of remote service units from a supplier, an association is excused from filing an application merely to add, delete or change the place at which it offers the services. An association may not commence or continue to engage in any activity authorized under s.
215.13 (46), Stats., if, in the opinion of the division, the activity is beyond the financial or management capabilities of the association, would result in unfair competition among financial institutions, or is otherwise in violation of this chapter.
DFI-SL 12.03 History
History: Cr.
Register, June, 1989, No. 402, eff. 7-1-89.
DFI-SL 12.04
DFI-SL 12.04
Restrictions on access prohibited. DFI-SL 12.04(1)(1)
General provisions. Except as provided in
sub. (2), no association may directly or indirectly acquire, place or operate a remote service unit, and no association may participate in the acquisition, placement or operation of a remote service unit, unless the unit is available on a nondiscriminatory basis to the following financial institutions and their designated customers:
DFI-SL 12.04(1)(b)
(b) Any other association which is qualified to do business in this state and has obtained the written consent of a savings and loan association that has its home office in this state and is making use of the unit; and
DFI-SL 12.04(1)(c)
(c) Any other bank which is qualified to do business in this state and has obtained the written approval of a bank that has its home office in this state and is making use of the unit; and
DFI-SL 12.04(1)(d)
(d) Any other credit union which is qualified to do business in this state and has obtained the written consent of a credit union that has its home office in this state and is making use of the unit.
DFI-SL 12.04(2)
(2) Exceptions. The temporary limitation of access to a remote service unit to designated customers of designated financial institutions for reasonable test periods determined by the division will not be deemed in violation of this section if approved by the division in writing. The division may approve such limitations if:
DFI-SL 12.04(2)(a)
(a) The division considers it necessary or desirable to permit restricted operation during periods of testing or experimentation; or
DFI-SL 12.04(2)(b)
(b) The division determines that the accommodation of additional users is beyond the capacity of existing equipment and a good faith effort is being made to accommodate them within a reasonable period of time determined by the division.
DFI-SL 12.04 History
History: Cr.
Register, June, 1989, No. 402, eff. 7-1-89.
DFI-SL 12.05
DFI-SL 12.05
Discriminatory rates or services prohibited. A remote service unit will not be deemed available for use on a nondiscriminatory basis unless:
DFI-SL 12.05(1)
(1) User fees. The fees charged to a financial institution for the use of the unit by the institution or its customers are equitably apportioned and reasonably reflect the costs of the services actually provided to the institution or customer. Such fees may provide for the amortization of development costs and capital expenditures over a reasonable period of time.
DFI-SL 12.05(2)
(2) Customer services. Each financial institution making use of the unit may permit its customers to make use of all of the functions performed by the unit at each location of the unit or only those functions and locations that such institution elects to make available to its customers.
DFI-SL 12.05(3)
(3) Technical information and specifications. Each supplier provides at reasonable cost such technical information and specifications as may be necessary to enable a financial institution that is eligible to use the unit, or any data processor serving the accounts of such an institution, to obtain interface with the unit.
DFI-SL 12.05(4)
(4) Other requirements. No financial institution eligible to use the unit is required to purchase from any supplier any goods, equipment or services not reasonably necessary to complete a transaction through the unit.
DFI-SL 12.05 History
History: Cr.
Register, June, 1989, No. 402, eff. 7-1-89.
DFI-SL 12.06
DFI-SL 12.06 Confidentiality and security requirements. No association may directly or indirectly acquire, place or operate a remote service unit, and no association may participate in the acquisition, placement or operation of a remote service unit, unless precautions acceptable to the division are provided to:
DFI-SL 12.06(1)
(1) Precautions against unauthorized access. Prevent unauthorized access to, or use of, the unit.
DFI-SL 12.06(2)
(2) Precautions to assure confidentiality. Prevent information regarding a transaction conducted through the unit from being disclosed to any person other than:
DFI-SL 12.06(2)(b)
(b) Any other person who is a party to the transaction or is necessary to effect the transaction, but only to the extent that the information disclosed is necessary to effect the transaction; or
DFI-SL 12.06(2)(c)
(c) Those persons lawfully authorized to have access to the records of the association or of parties to the transaction.
DFI-SL 12.06(3)
(3) Unsolicited access to remote service units prohibited. Ensure that the plastic card or other means providing its customers access to the unit is issued only:
DFI-SL 12.06(3)(b)
(b) As a renewal of, or in substitution for, an accepted card or other means of access, whether issued by the initial issuer or a successor.
DFI-SL 12.06 History
History: Cr.
Register, June, 1989, No. 402, eff. 7-1-89.
DFI-SL 12.07(1)
(1)
Between association and third parties. Each activity authorized under s.
215.13 (46), Stats., shall be conducted in accordance with a written agreement between the association and any participating merchant, service center, data processor or other third party, setting out the manner in which liability from errors, malfunctions or the unauthorized use of a remote service unit will be allocated between the parties.
DFI-SL 12.07(2)(a)(a) The liability of a customer of an association for the unauthorized use of a plastic card or other means providing the customer access to a remote service unit may not exceed the lesser of the following:
