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AB1057: Bill Text
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2025 - 2026 LEGISLATURE
LRB-0503/1
ARG:cdc
2025 ASSEMBLY BILL 1057
February 26, 2026 - Introduced by Representatives
Snodgrass
,
Arney
,
Emerson
,
Miresse
,
Palmeri
,
Sinicki
,
Stubbs
and
Stroud
, cosponsored by Senators
Drake
,
Roys
and
Spreitzer
. Referred to Committee on Financial Institutions.
AB1057,1,2
1
An Act
to create
704.086 and 704.44 (11) of the statutes;
relating to:
2
reporting positive rental payment information to credit bureaus.
Analysis by the Legislative Reference Bureau
This bill requires landlords to annually provide residential tenants an offer to report the tenant’s positive rental payment information to a consumer reporting agency. “Positive rental payment information” is defined in the bill to mean information regarding a tenant’s complete and timely payment of rent, and does not include information regarding an instance in which a tenant did not make a complete and timely payment of rent. If the tenant accepts the offer, the landlord shall report the tenant’s positive rental payment information to a credit reporting agency on as regular a basis as the tenant is required to make rental payments. The offer shall inform the tenant that the reporting is optional, and inform the tenant how much the landlord will charge for the service. The fee that the landlord may charge may not exceed the actual cost to the landlord to report the information or $10 per month, whichever is less. A landlord may not assess a fee for the reporting of a tenant’s positive rental payment information if the tenant has not accepted the landlord’s offer to report the information.
Under the bill, a rental agreement is void and unenforceable if it waives the landlord’s responsibilities under the bill or if it allows the landlord to terminate the tenancy of a residential tenant for failure to pay a fee the landlord assessed for reporting the positive rental payment information.
The provisions of the bill do not apply to a landlord or a residential rental building that contains 15 or fewer dwelling units, unless the landlord owns more than one residential building and the landlord is a real estate investment trust as defined in federal law, a corporation, or a limited liability company in which at least one member is a corporation. A landlord is not required to act under the provisions of the bill in regard to a residential tenant at any time during which the residential tenant is receiving rental payment assistance, defined as federal, state, or local housing assistance that allows the tenant to pay less than 30 percent of the household’s gross monthly income in rent.
The people of the state of Wisconsin, represented in senate and assembly, do enact as follows:
AB1057,1
1
Section
1
.
704.086 of the statutes is created to read:
AB1057,2,3
2
704.086
Reporting tenants’ positive rental payment information.
(1)
3
Definitions.
In this section:
AB1057,2,4
4
(a) “Consumer report” has the meaning given in
15 USC 1681a
(d).
AB1057,2,5
5
(b) “Consumer reporting agency” has the meaning given in
15 USC 1681a
(f).
AB1057,2,8
6
(c) “Nationwide consumer reporting agency” has the meaning given for
7
“consumer reporting agency that compiles and maintains files on consumers on a
8
nationwide basis” under
15 USC 1681a
(p).
AB1057,2,12
9
(d) “Positive rental payment information” means information regarding a
10
tenant’s complete and timely payment of rent. “Positive rental payment
11
information” does not include information regarding an instance in which a tenant
12
did not make a complete and timely payment of rent.
AB1057,3,2
13
(2)
Reporting positive rental payment information.
(a) A landlord shall
14
provide to each named tenant on a residential lease an offer for the landlord to
15
report that tenant’s positive rental payment information to at least one nationwide
16
consumer reporting agency or at least one consumer reporting agency that resells or
1
otherwise furnishes rental payment information to a nationwide consumer
2
reporting agency.
AB1057,3,6
3
(b) 1. For a tenant whose lease is entered into on or after July 1, 2026, a
4
landlord shall provide the offer described under par. (a) to the tenant at the time
5
that the tenant and the landlord enter into the lease, and shall again provide the
6
offer to the tenant at least once annually thereafter for the duration of the lease.
AB1057,3,10
7
2. For a tenant whose active or future lease was entered into before July 1,
8
2026, a landlord shall provide the offer described under par. (a) to the tenant no
9
later than July 1, 2026, and shall again provide the offer to the tenant at least once
10
annually thereafter for the duration of the lease.
AB1057,3,12
11
(c) The landlord shall provide the offer described under par. (a) to a tenant in
12
at least one of the following manners:
AB1057,3,15
13
1. In writing by first-class U.S. mail, if the landlord includes in the mailing a
14
self-addressed, postage-paid envelope that the tenant can use to return the tenant’s
15
written acceptance of the landlord’s offer.
AB1057,3,19
16
2. In writing by email, if sent to the email address the tenant has represented
17
to the landlord as the tenant’s current email address and if the landlord includes in
18
the email message a description of how the tenant can electronically accept the
19
landlord’s offer.
AB1057,3,21
20
(d) The landlord shall include in the offer described under par. (a) all of the
21
following:
AB1057,3,23
22
1. A statement that the landlord’s reporting of the tenant’s positive rental
23
payment information is an offer that is optional for the tenant to accept.
AB1057,4,2
1
2. The amount of the fee that the landlord will charge the tenant for reporting
2
the tenant’s positive rental payment information in accordance with sub. (3).
AB1057,4,5
3
3. Subject to subd. 5., a statement that the tenant may elect to have the
4
landlord report the tenant’s positive rental payment information at any time for the
5
duration of the tenant’s lease with the landlord.
AB1057,4,8
6
4. A statement that the tenant may at any time, and instructions for how the
7
tenant may, elect in writing to stop the landlord from reporting positive rental
8
payment information.
AB1057,4,13
9
5. A statement that, if a tenant accepts the landlord’s offer under par. (a) and
10
the tenant subsequently requests that the landlord stop reporting the tenant’s
11
positive rental payment information, the tenant may only reelect to have the
12
landlord begin to report the information again after 6 months from the last time the
13
tenant elected to stop the landlord from reporting the information.
AB1057,4,16
14
6. An identification of each consumer reporting agency or national consumer
15
reporting agency to which the landlord would report the tenant’s positive rental
16
payment information.
AB1057,4,20
17
7. Instructions for the tenant regarding how the tenant may accept the
18
landlord’s offer made under par. (a). The method by which a tenant may submit his
19
or her acceptance of the landlord’s offer shall include a signature block that the
20
tenant shall date and physically or electronically sign.
AB1057,4,22
21
8. Instructions for how a tenant may request that the landlord stop reporting
22
the tenant’s positive rental payment.
AB1057,4,24
23
(e) A tenant shall not be required to accept a landlord’s offer described under
24
par. (a).
AB1057,5,2
1
(f) A tenant may elect to accept the landlord’s offer described under par. (a) at
2
any time following the initial offer by the landlord.
AB1057,5,8
3
(g) If a tenant elects to accept a landlord’s offer described under par. (a) and
4
the tenant subsequently requests that the landlord stop reporting the tenant’s
5
positive rental payment information, the landlord shall comply with the the
6
tenant’s request as soon as is practicable, and the tenant may only reelect to have
7
the landlord begin to report the information again after 6 months from the last time
8
the tenant elected to stop the landlord from reporting the information.
AB1057,5,11
9
(h) Upon request from a tenant, a landlord shall provide to a tenant a copy of
10
the tenant’s written acceptance of the offer the landlord provided in accordance
11
with par. (a).
AB1057,5,17
12
(i) Upon a tenant’s acceptance of a landlord’s offer made under par. (a), a
13
landlord shall on as regular a basis as the tenant is required to make rent payments
14
report that tenant’s positive rental payment information to at least one nationwide
15
consumer reporting agency or at least one consumer reporting agency that resells or
16
otherwise furnishes rental payment information to a nationwide consumer
17
reporting agency.
AB1057,5,24
18
(3)
Fee assessed for reporting positive rental payment information.
19
(a) A landlord that reports a tenant’s positive rental payment information as a
20
result of a tenant’s acceptance of the landlord’s offer provided in accordance with
21
sub. (2) (a) may require the tenant to pay a fee not to exceed the actual cost to the
22
landlord to report the information or $10 per month, whichever is less. If a landlord
23
does not incur a cost in reporting the information, the landlord shall not charge the
24
tenant a fee for reporting the information.
AB1057,6,3
1
(b) The landlord shall not report to a consumer reporting agency or national
2
consumer reporting agency a tenant’s payment or nonpayment of a fee described
3
under par. (a).
AB1057,6,6
4
(c) An amount tendered by a tenant in full or partial satisfaction of rent or any
5
other obligation under the tenant’s lease shall not be applied or credited to a fee
6
assessed in accordance with par. (a).
AB1057,6,11
7
(d) Notwithstanding any other provision of this chapter, a tenant’s failure to
8
pay a fee assessed in accordance with par. (a) shall not, regardless of the terms of
9
the lease, constitute a breach of the tenant’s lease, and the tenant’s failure to pay
10
the fee shall not constitute a permissible cause for termination of the tenant’s
11
tenancy.
AB1057,6,13
12
(e) A landlord may not deduct from a tenant’s security deposit an unpaid fee
13
assessed in accordance with par. (a).
AB1057,6,18
14
(f) If a tenant does not pay a fee assessed by the landlord in accordance with
15
par. (a) for 30 days or more, the tenant’s landlord may stop reporting the tenant’s
16
positive rental payment information, and the tenant may only reelect to have the
17
landlord begin to report the information again after 6 months from the day that the
18
tenant was due to pay the fee.
AB1057,6,21
19
(g) A landlord may not assess a fee for the reporting of a tenant’s positive
20
rental payment information if the tenant has not accepted the landlord’s offer made
21
under par. (a).
AB1057,7,5
22
(4)
Entitlement to rent abatement not forfeited.
(a) A tenant who
23
elects to accept a landlord’s offer under sub. (2) (a) does not forfeit his or her
24
entitlement to rent abatement as authorized under s. 704.07 (4), rent abatement in
1
accordance with a local rent abatement ordinance authorized under s. 704.07 (5), or
2
rent abatement rules promulgated by the department of agriculture, trade and
3
consumer protection, and the absence of rent abated in accordance with any of these
4
provisions from a tenant’s rental payment shall not negatively affect whether the
5
tenant’s rental payment is considered positive rental payment information.
AB1057,7,7
6
(b) Nothing in this section relieves a landlord of the landlord’s legal
7
obligations to provide a habitable premise.
AB1057,7,10
8
(5)
Exemptions.
(a) This section does not apply to a landlord of a residential
9
rental building that contains 15 or fewer dwelling units, unless both of the following
10
apply to the landlord:
AB1057,7,11
11
1. The landlord owns more than one residential rental building of any size.
AB1057,7,14
12
2. The landlord is a real estate investment trust as defined in
26 USC 856
, a
13
corporation, or a limited liability company in which at least one member is a
14
corporation.
AB1057,7,18
15
(b) 1. In this paragraph, “rental payment assistance” means any form of
16
housing assistance payment from a federal or state agency or local governmental
17
unit that, in total, allows the tenant to pay less than 30 percent of the household’s
18
gross monthly income in rent.
AB1057,7,21
19
2. A landlord is not required to act under this section in regard to a residential
20
tenant at any time during which the residential tenant is receiving rental payment
21
assistance.
AB1057,2
22
Section
2
.
704.44 (11) of the statutes is created to read:
AB1057,8,2
23
704.44
(11)
Waives the responsibilities of the landlord under s. 704.086 or
1
allows the landlord to terminate the tenancy of a residential tenant for the failure
2
to pay a fee assessed in accordance with s. 704.086 (3) (a).
AB1057,8,3
3
(end)
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