An Act to create 632.872 of the statutes; Relating to: virtual credit card payments in health insurance policies.
Sponsored By: Rachael Cabral-Guevara (Republican), Dan Feyen (Republican), Chris Larson (Democratic), Steve Nass (Republican), Jamie Wall (Democratic)
Became Law
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Providers can refuse virtual credit cards
The law bars health insurers from forcing health care providers to take virtual credit card payments. Beginning on the law’s effective date, before an insurer sends a first virtual-card payment, it must disclose any fees for each payment option and explain other ways to get paid, with clear steps to choose a non–virtual card method. If a payment is sent under federal EFT standards (45 CFR 162.1602), the insurer or its vendor cannot charge a transmission fee unless the provider agrees. These notice and option rules cannot be waived, and any contract term that tries to waive them is void. The no‑waiver rule applies to contracts entered into, renewed, or changed on the law’s effective date.
Sponsors & Cosponsors
Sponsors
Rachael Cabral-Guevara
Republican • Senate
Dan Feyen
Republican • Senate
Chris Larson
Democratic • Senate
Steve Nass
Republican • Senate
Jamie Wall
Democratic • Senate
Cosponsors
David Armstrong
Republican • House
Robert Brooks
Republican • House
Barbara Dittrich
Republican • House
Alex Joers
Democratic • House
Clint Moses
Republican • House
David Murphy
Republican • House
Jeffrey Mursau
Republican • House
Jerry O'Connor
Republican • House
William Penterman
Republican • House
Melissa Ratcliff
Democratic • Senate
Lisa Subeck
Democratic • House
Randy Udell
Democratic • House
Nancy VanderMeer
Republican • House
Robyn Vining
Democratic • House
Roll Call Votes
No roll call votes available for this bill.
Actions Timeline
Published 4-3-2026
4/6/2026SenateReport approved by the Governor on 4-2-2026. 2025 Wisconsin Act 146
4/6/2026SenatePresented to the Governor on 4-2-2026
4/2/2026SenateReport correctly enrolled
1/15/2026SenateRepresentative Subeck added as a cosponsor
1/15/2026SenateReceived from Assembly concurred in
1/14/2026SenateOrdered immediately messaged
1/13/2026HouseRead a third time and concurred in
1/13/2026HouseRules suspended
1/13/2026HouseOrdered to a third reading
1/13/2026HouseRead a second time
1/13/2026HouseRules suspended to withdraw from calendar and take up
1/13/2026HouseRepresentative Vining added as a cosponsor
1/13/2026HousePlaced on calendar 1-13-2026 by Committee on Rules
1/8/2026HouseRead first time and referred to committee on Rules
1/7/2026HouseReceived from Senate
11/19/2025HouseOrdered immediately messaged
11/18/2025SenateSenator Ratcliff added as a coauthor
11/18/2025SenateRead a third time and passed
11/18/2025SenateRules suspended to give bill its third reading
11/18/2025SenateOrdered to a third reading
11/18/2025SenateSenate Amendment 1 adopted
11/18/2025SenateRead a second time
11/18/2025SenatePlaced on calendar 11-18-2025 pursuant to Senate Rule 18(1)
11/14/2025SenateAvailable for scheduling
10/23/2025Senate
Bill Text
Senate Amendment 1
10/23/2025
Bill Text
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