Wisconsin Code § 410.203

Unenforceability of certain verified payment orders
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(1) If an accepted payment order is not, under s.
410.202 (1) , an authorized order of a customer identified as
sender, but is effective as an order of the customer pursuant to s.
410.202 (2), the following rules apply:
(a) By express written agreement, the receiving bank may
limit the extent to which it is entitled to enforce or retain payment
of the payment order.
(b) The receiving bank is not entitled to enforce or retain payment of the payment order if the customer proves that the order
was not caused, directly or indirectly, by any of the following:
1. A person entrusted at any time with duties to act for the
customer with respect to payment orders or the security
procedure.
2. A person who obtained access to transmitting facilities of
the customer or who obtained, from a source controlled by the
customer and without authority of the receiving bank, information facilitating breach of the security procedure, regardless of
how the information was obtained or whether the customer was at
fault. Information includes any access device, computer software, or the like.
(2) This section applies to amendments of payment orders to
the same extent that it applies to payment orders.

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