SB21-AA3,6,2318 16.54 (9) (a) 1. "Agency" means an office, department, independent agency,
19institution of higher education, association, society or other body in state
20government created or authorized to be created by the constitution or any law, which
21is entitled to expend moneys appropriated by law, including the legislature and the
22courts, but not including an authority created in subch. II of ch. 114 or in ch. 231, 233,
23234, 237, 238, 239, or 279.
SB21-AA3,19 24Section 19. 16.765 (1) of the statutes is amended to read:
SB21-AA3,7,11
116.765 (1) Contracting agencies, the University of Wisconsin Hospitals and
2Clinics Authority, the Fox River Navigational System Authority, the Wisconsin
3Aerospace Authority, the Lower Fox River Remediation Authority, the Wisconsin
4Student Loan Refinancing Authority,
the Wisconsin Economic Development
5Corporation, and the Bradley Center Sports and Entertainment Corporation shall
6include in all contracts executed by them a provision obligating the contractor not
7to discriminate against any employee or applicant for employment because of age,
8race, religion, color, handicap, sex, physical condition, developmental disability as
9defined in s. 51.01 (5), sexual orientation as defined in s. 111.32 (13m), or national
10origin and, except with respect to sexual orientation, obligating the contractor to take
11affirmative action to ensure equal employment opportunities.
SB21-AA3,20 12Section 20. 16.765 (2) of the statutes is amended to read:
SB21-AA3,8,513 16.765 (2) Contracting agencies, the University of Wisconsin Hospitals and
14Clinics Authority, the Fox River Navigational System Authority, the Wisconsin
15Aerospace Authority, the Lower Fox River Remediation Authority, the Wisconsin
16Student Loan Refinancing Authority,
the Wisconsin Economic Development
17Corporation, and the Bradley Center Sports and Entertainment Corporation shall
18include the following provision in every contract executed by them: "In connection
19with the performance of work under this contract, the contractor agrees not to
20discriminate against any employee or applicant for employment because of age, race,
21religion, color, handicap, sex, physical condition, developmental disability as defined
22in s. 51.01 (5), sexual orientation or national origin. This provision shall include, but
23not be limited to, the following: employment, upgrading, demotion or transfer;
24recruitment or recruitment advertising; layoff or termination; rates of pay or other
25forms of compensation; and selection for training, including apprenticeship. Except

1with respect to sexual orientation, the contractor further agrees to take affirmative
2action to ensure equal employment opportunities. The contractor agrees to post in
3conspicuous places, available for employees and applicants for employment, notices
4to be provided by the contracting officer setting forth the provisions of the
5nondiscrimination clause".
SB21-AA3,21 6Section 21. 16.765 (5) of the statutes is amended to read:
SB21-AA3,8,237 16.765 (5) The head of each contracting agency and the boards of directors of
8the University of Wisconsin Hospitals and Clinics Authority, the Fox River
9Navigational System Authority, the Wisconsin Aerospace Authority, the Lower Fox
10River Remediation Authority, the Wisconsin Student Loan Refinancing Authority,
11the Wisconsin Economic Development Corporation, and the Bradley Center Sports
12and Entertainment Corporation shall be primarily responsible for obtaining
13compliance by any contractor with the nondiscrimination and affirmative action
14provisions prescribed by this section, according to procedures recommended by the
15department. The department shall make recommendations to the contracting
16agencies and the boards of directors of the University of Wisconsin Hospitals and
17Clinics Authority, the Fox River Navigational System Authority, the Wisconsin
18Aerospace Authority, the Lower Fox River Remediation Authority, the Wisconsin
19Student Loan Refinancing Authority,
the Wisconsin Economic Development
20Corporation, and the Bradley Center Sports and Entertainment Corporation for
21improving and making more effective the nondiscrimination and affirmative action
22provisions of contracts. The department shall promulgate such rules as may be
23necessary for the performance of its functions under this section.
SB21-AA3,22 24Section 22. 16.765 (6) of the statutes is amended to read:
SB21-AA3,9,9
116.765 (6) The department may receive complaints of alleged violations of the
2nondiscrimination provisions of such contracts. The department shall investigate
3and determine whether a violation of this section has occurred. The department may
4delegate this authority to the contracting agency, the University of Wisconsin
5Hospitals and Clinics Authority, the Fox River Navigational System Authority, the
6Wisconsin Aerospace Authority, the Lower Fox River Remediation Authority, the
7Wisconsin Student Loan Refinancing Authority,
the Wisconsin Economic
8Development Corporation, or the Bradley Center Sports and Entertainment
9Corporation for processing in accordance with the department's procedures.
SB21-AA3,23 10Section 23. 16.765 (7) (intro.) of the statutes is amended to read:
SB21-AA3,9,2111 16.765 (7) (intro.) When a violation of this section has been determined by the
12department, the contracting agency, the University of Wisconsin Hospitals and
13Clinics Authority, the Fox River Navigational System Authority, the Wisconsin
14Aerospace Authority, the Lower Fox River Remediation Authority, the Wisconsin
15Student Loan Refinancing Authority,
the Wisconsin Economic Development
16Corporation, or the Bradley Center Sports and Entertainment Corporation, the
17contracting agency, the University of Wisconsin Hospitals and Clinics Authority, the
18Fox River Navigational System Authority, the Wisconsin Aerospace Authority, the
19Lower Fox River Remediation Authority, the Wisconsin Student Loan Refinancing
20Authority,
the Wisconsin Economic Development Corporation, or the Bradley Center
21Sports and Entertainment Corporation shall:
SB21-AA3,24 22Section 24. 16.765 (7) (d) of the statutes is amended to read:
SB21-AA3,9,2523 16.765 (7) (d) Direct the violating party to take immediate steps to prevent
24further violations of this section and to report its corrective action to the contracting
25agency, the University of Wisconsin Hospitals and Clinics Authority, the Fox River

1Navigational System Authority, the Wisconsin Aerospace Authority, the Lower Fox
2River Remediation Authority, the Wisconsin Student Loan Refinancing Authority,
3the Wisconsin Economic Development Corporation, or the Bradley Center Sports
4and Entertainment Corporation.
SB21-AA3,25 5Section 25. 16.765 (8) of the statutes is amended to read:
SB21-AA3,10,236 16.765 (8) If further violations of this section are committed during the term
7of the contract, the contracting agency, the Fox River Navigational System Authority,
8the Wisconsin Aerospace Authority, the Lower Fox River Remediation Authority, the
9Wisconsin Student Loan Refinancing Authority,
the Wisconsin Economic
10Development Corporation, or the Bradley Center Sports and Entertainment
11Corporation may permit the violating party to complete the contract, after complying
12with this section, but thereafter the contracting agency, the Fox River Navigational
13System Authority, the Wisconsin Aerospace Authority, the Lower Fox River
14Remediation Authority, the Wisconsin Student Loan Refinancing Authority, the
15Wisconsin Economic Development Corporation, or the Bradley Center Sports and
16Entertainment Corporation shall request the department to place the name of the
17party on the ineligible list for state contracts, or the contracting agency, the Fox River
18Navigational System Authority, the Wisconsin Aerospace Authority, the Lower Fox
19River Remediation Authority, the Wisconsin Student Loan Refinancing Authority,
20the Wisconsin Economic Development Corporation, or the Bradley Center Sports
21and Entertainment Corporation may terminate the contract without liability for the
22uncompleted portion or any materials or services purchased or paid for by the
23contracting party for use in completing the contract.
SB21-AA3,26 24Section 26. 16.865 (8) of the statutes is amended to read:
SB21-AA3,11,15
116.865 (8) Annually in each fiscal year, allocate as a charge to each agency a
2proportionate share of the estimated costs attributable to programs administered by
3the agency to be paid from the appropriation under s. 20.505 (2) (k). The department
4may charge premiums to agencies to finance costs under this subsection and pay the
5costs from the appropriation on an actual basis. The department shall deposit all
6collections under this subsection in the appropriation account under s. 20.505 (2) (k).
7Costs assessed under this subsection may include judgments, investigative and
8adjustment fees, data processing and staff support costs, program administration
9costs, litigation costs, and the cost of insurance contracts under sub. (5). In this
10subsection, "agency" means an office, department, independent agency, institution
11of higher education, association, society, or other body in state government created
12or authorized to be created by the constitution or any law, that is entitled to expend
13moneys appropriated by law, including the legislature and the courts, but not
14including an authority created in subch. II of ch. 114 or in ch. 231, 232, 233, 234, 237,
15238, 239, or 279.
SB21-AA3,27 16Section 27. 19.42 (10) (t) of the statutes is created to read:
SB21-AA3,11,1817 19.42 (10) (t) The chief executive officer and members of the board of directors
18of the Wisconsin Student Loan Refinancing Authority.
SB21-AA3,28 19Section 28. 19.42 (13) (p) of the statutes is created to read:
SB21-AA3,11,2120 19.42 (13) (p) The chief executive officer and members of the board of directors
21of the Wisconsin Student Loan Refinancing Authority.
SB21-AA3,29 22Section 29. 20.005 (3) (schedule) of the statutes: at the appropriate place,
23insert the following amounts for the purposes indicated: - See PDF for table PDF
SB21-AA3,30 1Section 30. 20.195 of the statutes is created to read:
SB21-AA3,12,4 220.195 Wisconsin Student Loan Refinancing Authority. There is
3appropriated to the Wisconsin Student Loan Refinancing Authority for the following
4programs:
SB21-AA3,12,8 5(1) Student loan refinancing program. (a) Initial funding. Biennially, the
6amounts in the schedule to fund the initial costs of operating the Wisconsin Student
7Loan Refinancing Authority and to start the student loan refinancing program under
8ch. 239.
SB21-AA3,31 9Section 31. 39.28 (7) of the statutes is created to read:
SB21-AA3,12,1210 39.28 (7) The board shall create on its Internet site a link to that portion of the
11department of financial institutions' Internet site created under s. 224.30 (6) (c) and
12(d).
SB21-AA3,32 13Section 32. 39.52 of the statutes is created to read:
SB21-AA3,13,8 1439.52 Student loan debt reports. (1) By January 1 of each year, the Board
15of Regents of the University of Wisconsin System shall provide to the board the
16average amount of student loan incurred in the previous year by resident
17undergraduate students enrolled in each institution within that system, the
18technical college system board shall provide to the board the average amount of
19student loan debt incurred in the previous year by resident undergraduate students

1enrolled in each technical college within that system, each tribally controlled college
2in this state shall provide to the board the average amount of student loan debt
3incurred in the previous year by resident undergraduate students enrolled in that
4tribally controlled college, and the Wisconsin Association of Independent Colleges
5and Universities or a successor organization shall provide to the board the average
6amount of student loan debt incurred in the previous year by resident undergraduate
7students enrolled in each of the private, nonprofit accredited institutions of higher
8education in this state.
SB21-AA3,13,9 9(2) By March 1 of each year, the board shall do all of the following:
SB21-AA3,13,1310 (a) Compile the information provided to the board under sub. (1) and, from that
11information, compute the statewide average amount of student loan debt incurred
12in the previous year by resident undergraduate students enrolled in the institutions
13specified in sub. (1).
SB21-AA3,13,1614 (b) Compare the amount computed under par. (a) to the national average
15amount of student loan debt incurred in the previous year by undergraduate
16students enrolled in institutions of higher education in the United States.
SB21-AA3,13,2017 (c) Compare the amount computed under par. (a) to the statewide average
18amount of student loan debt incurred in the previous year by undergraduate
19students in the state with the lowest ratio of statewide average student loan debt to
20the lowest quintile of state per capita income.
SB21-AA3,13,2521 (d) Submit to the joint committee on finance a report regarding student loan
22debt incurred in the previous year by resident undergraduate students at the
23institutions specified in sub. (1). The report shall include the information provided
24to the board under sub. (1), the statewide average amount of student loan debt
25computed under par. (a), and the comparisons described in pars. (b) and (c).
SB21-AA3,33
1Section 33. 39.54 of the statutes is created to read:
SB21-AA3,14,8 239.54 Student lending transparency. (1) In this section, "institution of
3higher education" means an institution or college campus within the University of
4Wisconsin System, a technical college within the technical college system, a tribally
5controlled college, or a private, nonprofit institution of higher education located in
6this state that provides an educational program for which the institution awards an
7associate degree or higher or provides a program that is acceptable toward such a
8degree.
SB21-AA3,14,11 9(2) Each institution of higher education shall provide to a prospective or newly
10accepted student and to the student's parents clearly outlined and
11easy-to-understand information pertaining to all of the following:
SB21-AA3,14,1212 (a) The total cost of attendance at the institution of higher education.
SB21-AA3,14,1713 (b) The approximate or, if known, the actual total amount of financial aid that
14the student would receive from the institution of higher education, and the
15approximate or, if known, the actual total amount of student loan debt that the
16student would accumulate, over the course of 4 years if the student were to attend
17the institution of higher education for 4 years.
SB21-AA3,14,2018 (c) Student loan rates, repayment plans, default rates, and the actual monthly
19payment that would be required to pay the student loan debt described in par. (b)
20when the loan becomes due.
SB21-AA3,14,23 21(3) Each institution of higher education shall create on its Internet site a link
22to that portion of the department of financial institutions' Internet site created under
23s. 224.30 (6) (c) and (d).
SB21-AA3,34 24Section 34. 39.56 of the statutes is created to read:
SB21-AA3,15,5
139.56 Loan counseling. (1) Definition. In this section, "institution of higher
2education" means an institution or college campus within the University of
3Wisconsin System, a technical college under ch. 38, or any private, nonprofit,
4educational institution located in this state that provides an educational program for
5which it awards an associate degree or higher.
SB21-AA3,15,9 6(2) Applicability. This section applies to any student loan offered by an
7institution of higher education or a private lender or recommended to a student by
8an institution of higher education, other than a federally funded, federally insured,
9or federally guaranteed loan for which counseling is required by 20 USC 1092.
SB21-AA3,15,17 10(3) Entrance counseling. (a) Before a student enters into a student loan
11agreement, an institution of higher education shall provide the student with
12comprehensive information on the terms and conditions of a loan and the
13responsibilities the student has with respect to the loan. The institution shall
14provide the information during a counseling session conducted in person, on a
15written form provided to the student that the student signs and returns, or online,
16with the student acknowledging receipt of the information. The information
17provided shall include all of the following:
SB21-AA3,15,1918 1. To the extent practicable, the effect of accepting the loan to be disbursed on
19the eligibility of the borrower for other forms of student financial assistance.
SB21-AA3,15,2120 2. How interest accrues and is capitalized during periods when the interest is
21not paid by the borrower.
SB21-AA3,15,2422 3. The definitions of full-time and half-time enrollment at the institution of
23higher education, during regular terms and intersession terms, if applicable, and the
24consequences of not maintaining full-time or half-time enrollment.
SB21-AA3,16,3
14. The importance of contacting the appropriate office at the institution of
2higher education if the borrower withdraws before completing his or her program of
3study so that the institution can provide counseling under sub. (4).
SB21-AA3,16,54 5. Sample monthly repayment amounts, based on a range of levels of
5indebtedness.
SB21-AA3,16,86 6. The obligation of the borrower to repay the full amount of the loan,
7irrespective of whether the borrower completes his or her program of study at the
8institution.
SB21-AA3,16,109 7. The likely consequences of default on the loan, including adverse credit
10reports, delinquent debt collection procedures, and litigation.
SB21-AA3,16,1211 8. Whether the student has reached the limit on his or her federal student loan
12opportunities.
SB21-AA3,16,1513 9. The name of, and contact information for, an individual the borrower may
14contact if he or she has any questions about the borrower's rights and responsibilities
15or the terms and conditions of the loan.
SB21-AA3,16,2016 10. How a student or any member of the public may file a complaint about a
17lender with the federal Consumer Financial Protection Bureau by calling a toll-free
18telephone number, or by completing a complaint form, which may be obtained on the
19bureau's Internet site. The institution of higher education shall also include the
20toll-free telephone number and Internet site address of the bureau.
SB21-AA3,16,2221 (b) In conjunction with providing information under par. (a), the institution of
22higher education shall also do all of the following:
SB21-AA3,16,2523 1. Clearly distinguish private loans from federal loans in individual financial
24aid awards by stating, for any private loans included by the institution as part of the
25institution's award package, all of the following:
SB21-AA3,17,1
1a. Whether the rate is fixed or variable.
SB21-AA3,17,32 b. An explanation that private student loan lenders can offer variable interest
3rates that can increase or decrease over time, depending on market conditions.
SB21-AA3,17,74 c. An explanation that private student loans have a range of interest rates and
5fees and students should determine the interest rate of, and any fees associated with,
6the private student loan included in their financial aid award package before
7accepting the loan.
SB21-AA3,17,108 d. An explanation that students should contact the lender of the private
9student loan or their institution's financial aid office if they have any questions about
10a private student loan.
SB21-AA3,17,1211 e. An explanation that the interest rate on a private loan may depend on the
12borrower's credit rating.
SB21-AA3,17,1613 2. If the institution of higher education provides a private loan lender list,
14provide general information about the loans available through the lender and
15disclose the basis for each lender's inclusion on the list. The institution shall also
16disclose with the list that the student may choose any lender.
SB21-AA3,17,2217 (c) 1. A lender may not accept a final and complete application for a private
18student loan from an applicant, or assess any fees upon an applicant, without first
19receiving certification from the applicant's institution of higher education that the
20applicant has received counseling from the institution under pars. (a) and (b) and
21that the counseling was conducted in person, unless the certification specified that
22the applicant elected to receive the counseling in a manner other than in person.
SB21-AA3,18,323 2. The certification required by subd. 1. shall be signed by the applicant and
24the institutional counselor, and shall include the date of the counseling and the
25name, address, and telephone number of both the counselor and the applicant. An

1electronic facsimile copy of the counseling certification satisfies the requirement
2under this subdivision. The lender shall maintain the certification in an accurate,
3reproducible, and accessible format for the term of the student loan.
SB21-AA3,18,7 4(4) Exit counseling. (a) As close as practicable to the date that a student
5graduates from, transfers from, withdraws from, or otherwise completes his or her
6program of study at the institution of higher education, the institution shall provide
7the student with information relating to all of the following:
SB21-AA3,18,118 1. Repayment plans that are available, including a description of the different
9features of each plan and sample information showing the average anticipated
10monthly payments, and the difference in interest paid and total payments, under
11each plan.
SB21-AA3,18,1312 2. Debt management strategies designed to facilitate the repayment of
13indebtedness.
SB21-AA3,18,1514 3. The options to prepay each loan, pay each loan on a shorter schedule, or
15change repayment plans.
SB21-AA3,18,1716 4. The likely consequences of default on the loan, including adverse credit
17reports, delinquent debt collection procedures, and litigation.
SB21-AA3,18,1818 5. The effects of consolidation on a borrower's underlying loan benefits.
SB21-AA3,18,1919 6. Grace periods, loan forgiveness, cancellation, and deferment opportunities.
SB21-AA3,18,2020 7. The borrower benefit programs of different lenders.
SB21-AA3,18,2121 8. The tax benefits that may be available to borrowers.
SB21-AA3,18,2222 9. How to enroll in income-based repayment.
SB21-AA3,18,2523 (b) With respect to a student who leaves an institution of higher education
24without the knowledge of the institution, the institution shall attempt to provide the
25information described in par. (a) to the student in writing.
SB21-AA3,19,4
1(5) Fee. An institution of higher education may assess a reasonable fee to the
2lender to defray the cost of counseling under this section in an amount not exceeding
3$50. The higher educational aids board and the department of financial institutions
4shall jointly promulgate rules to implement and administer this subsection.
SB21-AA3,35 5Section 35. 40.02 (54) (n) of the statutes is created to read:
SB21-AA3,19,66 40.02 (54) (n) The Wisconsin Student Loan Refinancing Authority.
SB21-AA3,36 7Section 36. 49.45 (23) (a) of the statutes is amended to read:
SB21-AA3,19,158 49.45 (23) (a) The department shall request a waiver from the secretary of the
9federal department of health and human services to permit the department to
10conduct a demonstration project to provide health care coverage to adults who are
11under the age of 65, who have family incomes not to exceed 100 133 percent of the
12poverty line before application of the 5 percent income disregard under 42 CFR
13435.603 (d)
, except as provided in s. 49.471 (4g), and who are not otherwise eligible
14for medical assistance under this subchapter, the Badger Care health care program
15under s. 49.665, or Medicare under 42 USC 1395 et seq.
SB21-AA3,37 16Section 37. 49.471 (1) (cr) of the statutes is created to read:
SB21-AA3,19,1817 49.471 (1) (cr) "Enhanced federal medical assistance percentage" means a
18federal medical assistance percentage described under 42 USC 1396d (y) or (z).
SB21-AA3,38 19Section 38. 49.471 (4) (a) 4. b. of the statutes is amended to read:
SB21-AA3,19,2220 49.471 (4) (a) 4. b. The Except as provided in sub. (4g), the individual's family
21income does not exceed 100 133 percent of the poverty line before application of the
225 percent income disregard under 42 CFR 435.603 (d)
.
SB21-AA3,39 23Section 39. 49.471 (4g) of the statutes is created to read:
SB21-AA3,20,624 49.471 (4g) Medicaid expansion; federal medical assistance percentage. (a)
25For services provided to individuals described under sub. (4) (a) 4. and s. 49.45 (23),

1the department shall comply with all federal requirements to qualify for the highest
2available enhanced federal medical assistance percentage. The department shall
3submit any amendment to the state medical assistance plan, request for a waiver of
4federal Medicaid law, or other approval required by the federal government to
5provide services to the individuals described under sub. (4) (a) 4. and s. 49.45 (23) and
6qualify for the highest available enhanced federal medical assistance percentage.
SB21-AA3,20,177 (b) If the department does not qualify for an enhanced federal medical
8assistance percentage, or if the enhanced federal medical assistance percentage
9obtained by the department is lower than printed in federal law as of July 1, 2013,
10for individuals eligible under sub. (4) (a) 4. or s. 49.45 (23), the department shall
11submit to the joint committee on finance a fiscal analysis comparing the cost to
12maintain coverage for adults who are not pregnant and not elderly at up to 133
13percent of the poverty line to the cost of limiting eligibility to those adults with family
14incomes up to 100 percent of the poverty line. The department may reduce income
15eligibility for adults who are not pregnant and not elderly from up to 133 percent of
16the poverty line to up to 100 percent of the poverty line only if this reduction in income
17eligibility levels is approved by the joint committee on finance.
SB21-AA3,40 18Section 40. 70.11 (38v) of the statutes is created to read:
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