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IMPORTANT: Following the Supreme Court’s decision invalidating DHS Secretary-Designee Andrea Palm’s order, several counties and municipalities are putting in place local ordinances. Due to the considerable confusion regarding the impact that the Wisconsin Supreme Court decision in Wisconsin Legislature v. Palm has on the authority of local health officers, Attorney General Josh Kaul has issued an immediate interim opinion

The opinion provides four main guidances to local authorities:

  1. Because the court's decision addressed only DHS's authority (found in Wis. Stat. § 252.02) it is not directly controlling on powers of local authorities, which are set out in Wis. Stat. § 252.03(1)-(2).
  2. Local authorities should limit enforcement of local orders to ordinances or administrative enforcement, because of specifics within the court decision regarding criminal penalties.
  3. Local authorities should ensure that any measures that direct people to stay at home, forbid certain travel, or close certain businesses speak specifically to the local authority's statutory power to "prevent, suppress, and control communicable diseases" and "forbid public gatherings when deemed necessary to control outbreaks or epidemics."
  4. The court's decision does not limit other measures directed by a local authority under Wis. Stat. § 252.03.

 


All 72 Wisconsin counties are listed below. If they have publicized their local decision to extend or not to extend Safer-At-Home orders, it has been noted below. If the "Issued Order" is blank, it's because there has been no public response as of yet. Contact information for each county is provided in case you wish to communicate directly with your local offices for more information.

The information regarding restrictions is rapidly changing. We'll continue updating as information is received. The latest updates are in red text.

If you do have any questions about your local restrictions, contact your local authorities for clarification.

Regardless of local restrictions, public health officials still recommended people follow social distancing guidelines.

This list was updated on June 5, 2020 at 1:00 p.m.

Population Rank County Phone Website Issued Order
53 Adams County 608-339-4200 http://www.co.adams.wi.gov No Restrictions
60 Ashland County 715-682-7000 http://www.co.ashland.wi.us No Restrictions
31 Barron County 715-537-6200 https://www.barroncountywi.gov/  
64 Bayfield County 715-373-6184 https://www.bayfieldcounty.org/ No Restrictions
4 Brown County 920-448-4000 http://www.co.brown.wi.us/ Rescinded Yes – through May 20
67 Buffalo County 608-685-6234 http://www.buffalocounty.com/ No Restrictions
62 Burnett County 715-349-2173 http://www.burnettcounty.com/ No Restrictions
29 Calumet County 920-849-2361 http://www.calumetcounty.org Rescinded Yes – Phases announced
24 Chippewa County 715-726-7985 http://www.co.chippewa.wi.us  
41 Clark County 715-743-5148 http://www.co.clark.wi.us No Restrictions
26 Columbia County 608-742-2191 https://www.co.columbia.wi.us/ColumbiaCounty/default.aspx No Restrictions
59 Crawford County 608-326-0201 http://www.crawfordcountywi.org No Restrictions
2 Dane County 608-266-4311 http://www.countyofdane.com/ Reopening Under Phase 1 (click to view)
19 Dodge County 920-386-3600 http://www.co.dodge.wi.gov Phase 1 guidance (click to view)
45 Door County 920-746-2200 http://www.co.door.wi.gov/ Reopening with guidelines (click to view)
33 Douglas County 715-395-1341 http://www.douglascountywi.org Yes – Follow WEDC guidelines
32 Dunn County 715-232-2429 https://www.co.dunn.wi.us/ Reopening with order (click to view)
15 Eau Claire County 715-839-4801 http://www.co.eau-claire.wi.us Yes until May 28
72 Florence County 715-728-3201 http://www.florencecountywi.com Reopening under Phase 1
16 Fond du Lac County 920-929-3000 http://www.fdlco.wi.gov No Restrictions
68 Forest County 715-478-2422 http://www.co.forest.wi.gov No Restrictions
27 Grant County 608-723-2675 http://www.co.grant.wi.gov/ No Restrictions
39 Green County 608-328-9430 http://www.co.green.wi.gov/ Rescinded Yes – through May 26
55 Green Lake County 920-294-4005 http://www.co.green-lake.wi.us No Restrictions
48 Iowa County 608-935-0399 http://www.iowacounty.org No Restrictions
70 Iron County 715-561-3375 http://www.co.iron.wi.gov No Restrictions
50 Jackson County 715-284-0201 http://www.co.jackson.wi.us No Restrictions
20 Jefferson County 920-674-7144 https://www.jeffersoncountywi.gov/ No Restrictions
46 Juneau County 608-847-9300 http://www.co.juneau.wi.gov No Restrictions
8 Kenosha County 262-653-2664 http://www.co.kenosha.wi.us Rescinded Yes – through May 26
51 Kewaunee County 920-388-4410 http://www.kewauneeco.org No Restrictions
12 La Crosse County 608-785-9573 http://www.lacrossecounty.org No Restrictions
57 Lafayette County 608-776-4850 http://www.lafayettecountywi.org  No Restrictions
54 Langlade County 715-627-6200 http://www.co.langlade.wi.us No Restrictions
44 Lincoln County 715-539-1019 http://www.co.lincoln.wi.us No Restrictions
21 Manitowoc County 920-683-4004 http://www.co.manitowoc.wi.us No Restrictions
10 Marathon County 715-261-1000 http://www.co.marathon.wi.us No Restrictions
37 Marinette County 715-732-7406 http://www.marinettecounty.com No Restrictions
63 Marquette County 608-297-3100 http://www.co.marquette.wi.us Yes – through May 15
71 Menominee County 715-799-3311 http://www.co.menominee.wi.us No Restrictions
1 Milwaukee County 414-278-4067 https://county.milwaukee.gov/ Reopening with Guidelines (click to view)
30 Monroe County 608-269-8705 http://www.co.monroe.wi.us No Restrictions
38 Oconto County 920-834-6800 http://www.co.oconto.wi.us No Restrictions
40 Oneida County 715-369-6143 http://www.co.oneida.wi.gov  
6 Outagamie County 920-823-1684 http://www.outagamie.org Rescinded Yes – through May 20
17 Ozaukee County 262-238-6400 http://www.co.ozaukee.wi.us No Restrictions
69 Pepin County 715-672-8857 http://www.co.pepin.wi.us  
35 Pierce County 715-273-3531 http://www.co.pierce.wi.us No Restrictions
34 Polk County 715-485-9226 http://www.co.polk.wi.us/  
23 Portage County 715-346-1351 http://www.co.portage.wi.us No Restrictions
66 Price County 715-339-3325 http://www.co.price.wi.us No Restrictions
5 Racine County 262-636-3121 http://www.racinecounty.com Reopen with enforceable order (click to view)
56 Richland County 608-647-2197 http://www.co.richland.wi.us No Restrictions
9 Rock County 608-757-5660 http://www.co.rock.wi.us Reopening Under Recommended Phase 1
65 Rusk County 715-532-2100 http://www.ruskcounty.org  
25 Sauk County 608-356-5581 http://www.co.sauk.wi.us No Restrictions
58 Sawyer County 715-634-4866 https://www.sawyercountygov.org/ No Restrictions
36 Shawano County 715-562-9150 http://www.co.shawano.wi.us No Restrictions
13 Sheboygan County 920-459-3003 https://www.sheboygancounty.com/ No Restrictions
18 St. Croix County 715-386-4600 www.sccwi.gov  
52 Taylor County 715-748-1400 http://www.co.taylor.wi.us No Restrictions
43 Trempealeau County 715-538-2311 http://www.tremplocounty.com No Restrictions
42 Vernon County 608-537-5380 http://www.vernoncounty.org No Restrictions
49 Vilas County 715-479-3600 http://www.vilascountywi.gov No Restrictions
14 Walworth County 262-741-4241 http://www.co.walworth.wi.us/ No Restrictions
61 Washburn County 715-468-4600 http://www.co.washburn.wi.us No Restrictions
11 Washington County 262-335-4400 http://www.co.washington.wi.us No Restrictions
3 Waukesha County 262-548-7010 http://www.waukeshacounty.gov/ No Restrictions
28 Waupaca County 715-258-6200 http://www.co.waupaca.wi.us/ Under WEDC guidelines until June 15
47 Waushara County 920-787-0442 http://www.co.waushara.wi.us No Restrictions
7 Winnebago County 920-236-4888 http://www.co.winnebago.wi.us/ Rescinded Yes – through May 20
22 Wood County 715-421-8400 http://www.co.wood.wi.us/ No Restrictions
         
  City of Appleton 920-832-6173 https://www.appleton.org/ Rescinded Yes
  City of Mensha 920-967-3600 https://www.cityofmenasha-wi.gov/ Yes
  City of Milwaukee 414-286-2489 https://city.milwaukee.gov/ Yes until rescinded (click to view)
  City of Racine 262-636-9101 https://www.cityofracine.org/Home/ Yes until May 26 until rescinded (click to view)
  Ho-Chunk Nation     Yes – No end date
  Lac Du Flambeau Band Of Lake Superior Chippewa     Yes until rescinded
  Menominee Indian Tribe Of Wisconsin     Yes until rescinded
  South Milwaukee/St. Francis 414-762-2222 https://smwi.org/ Yes, through May 21
  Cudahay   http://www.cudahy-wi.gov/ Rescinded Yes, through May 21
  Frankin   https://www.franklinwi.gov/ Yes, through May 21
  Greenfield   https://www.ci.greenfield.wi.us/ Yes, through May 21
  Hales Corners   https://www.halescorners.org/ Yes, through May 21
  Oak Creek   https://www.oakcreekwi.org/ Yes, through May 21
  Bayside, Brown Deer, Fox Point, Glendale   https://www.nshealthdept.org/ Yes, through May 21
  Shorewood   https://www.villageofshorewood.org/ Yes, through May 21
  Whitefish Bank   https://www.wfbvillage.org/ Yes, through May 21
  Wauwatosa   https://www.wauwatosa.net/ Reopen with guidelines (click to view)
  West Allis, West Milwaukee    https://www.westalliswi.gov/ Yes, through May 21

The map below was created and is maintained by Wisconsin Public Radio.

 

By, Eric Skrum

On May 6, 2020 the Internal Revenue Service (IRS) updated its Economic Impact Payment Information Center to include new questions and answers related to Economic Impact Payments (EIP) issued to deceased individuals. 

IRS Question 10 asks whether someone who has died qualifies for an EIP. The answer states the following: 

“No. A Payment made to someone who died before receipt of the Payment should be returned to the IRS by following the instructions in the Q&A about repayments. Return the entire Payment unless the Payment was made to joint filers and one spouse had not died before receipt of the Payment, in which case, you only need to return the portion of the Payment made on account of the decedent. This amount will be $1,200 unless adjusted gross income exceeded $150,000.” 

The instructions for returning an EIP provide the following: 

  • If the payment was a paper check: 
  1. Write "Void" in the endorsement section on the back of the check. 
  2. Mail the voided Treasury check immediately to the appropriate IRS location. 
  3. Don't staple, bend, or paper clip the check. 
  4. Include a note stating the reason for returning the check. 
  • If the payment was a paper check and you have cashed it, or if the payment was a direct deposit: 
  1. Submit a personal check, money order, etc., immediately to the appropriate IRS location. 
  2. Write on the check/money order made payable to “U.S. Treasury” and write 2020EIP, and the taxpayer identification number (social security number, or individual taxpayer identification number) of the recipient of the check. 
  3. Include a brief explanation of the reason for returning the EIP. 

The IRS has provided a list of appropriate addresses on its website which can be found in the link at the end of this article. 

Considerations for Banks 

The information provided by IRS answers the question as to how EIPs made to decedent should be handled, making it clear that they are to be returned. This is true for EIPs made both by check and direct deposit. An individual who receives an EIP payable to a decedent, or who is in possession of EIP funds paid to a decedent, must return those funds. 

Unfortunately, because this information was not issued until after many payments had already been made, it means that some banks have likely already accepted payments made to a decedent. While the information provided by the IRS instructs the recipient to return the EIP funds, banks should consider how they use this information. Certainly, if a customer receives a direct deposit on behalf of a decedent, or presents a check payable to a decedent, that customer should be directed to the instructions for returning the payment. For customers who have already received the funds, either by direct deposit or by depositing a check, those funds still need to be returned pursuant to the instructions. 

The IRS instructions also provide how the recipient is to determine the amount that must be returned. Banks are reminded that the appropriate amount that is to be returned is a consideration that should be made by the customer, not the bank. The instructions relate to the recipient and furthermore, banks are not in a position to know the customers adjusted gross income to make the determination on a customer’s behalf. 

Conclusion 

IRS has made it clear that decedents are not eligible for EIP funds, and individuals who have received payments made to decedents are to return those funds. At this time, IRS has not indicated any steps beyond the requirements above. For example, there is no current indication of a reclamation process beyond a requirement for recipients to return the payments themselves. 

Click here for the IRS FAQ.

By, Amber Seitz

Click here to jump to the WBA policy for bank use

On April 17, 2020, the federal banking agencies published an interim final rule to allow for the deferral of certain appraisals and evaluations for up to 120 days after closing of residential or commercial real estate loan transactions. Transactions involving acquisition, development, and construction of real estate are excluded from the interim rule. The temporary provisions are set to expire Dec. 31, 2020, unless extended by the federal banking agencies. 

Under the interim final rule, regulated institutions that defer receipt of an appraisal or evaluation are still expected to conduct lending activity consistent with the underwriting principles in the agencies' Standards for Safety and Soundness and Real Estate Lending Standards that focus on the ability of a borrower to repay a loan and other relevant laws and regulations.

By the end of the deferral period, regulated institutions must obtain appraisals or evaluations that are consistent with safe and sound banking practices, as required by the agencies' appraisal regulations.

WBA has prepared a policy for use by financial institutions to aid them in complying with the requirements of federal regulators to still conduct lending activity consistent with the agencies' underwriting principles despite deferral of receipt of an appraisal or evaluation. The policy is designed to be used as part of your institution's broader Standards for Safety and Soundness, Real Estate Lending Standards, or Appraisal policy. The policy also contains numerous resources, including investors' temporary appraisal guidelines and requirements. 

This policy is current as of May 5, 2020.

By, Amber Seitz

Late last week, the IRS issued Notice 2020-32 related to the deductibility for Federal income tax purposes of certain otherwise deductible expenses incurred in a taxpayer’s trade or business when the taxpayer receives a covered loan pursuant to the Paycheck Protection Program under section 7(a)(36) of the Small Business Act (15 U.S.C. 636(a)(36)). This Notice can be found here.

Specifically, this Notice clarifies that no deduction is allowed under the Internal Revenue Code for an expense that is otherwise deductible if the payment of the expense results in forgiveness of a covered loan pursuant to section 1106(b) of the CARES Act, and the income associated with the forgiveness is excluded from gross income for the purposes of the Code pursuant to section 1106(i) of the CARES Act. The IRS said that to the extent the income resulting from loan forgiveness under the PPP is excluded from income, it’s considered a “class of exempt income” under regulations promulgated under section 265. The IRS believes this treatment of not allowing the deduction of these covered expenses is appropriate because it prevents a double tax benefit.

It is possible this IRS guidance will be reversed by Congress as the heads of congressional tax committees want expenses funded with small business loans to be deductible. Given this evolving situation, bankers are reminded to be careful about providing tax information regarding any aspect of the PPP loans, and encourage borrowers to consult with their tax advisor regarding any tax implications of a PPP loan.

By, Ally Bates

Crises often bring out the best in people, and the current COVID-19 pandemic is no exception. It is remarkable to see all the tireless effort taking place in all aspects of our world to provide care for the sick; to research, and develop new test kits and potential vaccines at lightning fast speed to help stem the spread of the COVID-19 virus; to make more PPE for all front-line workers; and to stabilize the financial impact caused by safer-at-home orders and other physical distancing requirements. 

As your association, WBA has worked right alongside you during this crisis to provide timely and accurate information and guidance, education, advocacy, forms, and other services to help you navigate through the evolving legislation and program changes. Banks were forced to manage this crisis both in terms of prioritizing their own staff needs and organizing teams of staff to alternate working in the office, and also responding to customer needs that became critical overnight when the governor first issued his safer-at-home order.

The banking industry has, not surprisingly, stepped up to help individual and business customers on the economic frontline of this crisis. Bankers proactively reached out to customers to offer assistance and developed programs to help relieve the financial stress by offering to temporarily adjust loan payments to interest-only or, in many cases, provide 60-90 day deferrals; waived fees; and created special new loan programs to help manage through the loss of income.

As government programs began rolling out, most notably the Paycheck Protection Act (PPP), bankers worked literally 24/7, every day of the week, responding to the flood of inquiries and applications from customers and non-customers alike. Given the fact that the program had a specific initial allocation of $349 billion, Wisconsin bankers worked long hours during the week and over weekends to take, underwrite, and process PPP applications to ensure their customers were in the queue and approved before the money ran out. Indeed, these funds were exhausted in the early morning of Thursday, April 16; however, it is anticipated that Congress will act to appropriate additional monies to the program. As of April 16, Wisconsin businesses received over 43,000 loans totaling over $8.3 billion in PPP funds.

Early on, WBA created a COVID-19 landing page for members to check daily for updates on state and federal issues, orders, and new laws and rules. This provided members with a single resource they could rely on for original content as well as links to other critical guidance that staff updated as quickly as information was released. WBA also began twice-per-day emails to members purely due to the rapidly changing environment we were living through to help customers. WBA staff were quickly recognized as experts on these programs and invited to speak for several other outside groups on behalf of the industry to educate their constituent members about the various financing options available for businesses struggling due to COVID-19.

Answering members' questions and providing ongoing education in this fluid environment also were critical priorities in tandem with the information being shared daily. WBA provided five free educational webinars on COVID-19 topics ranging from business continuity to employment law issues to understanding the CARES Act, primarily PPP. Member questions were handled by several staff and, at our peak, we estimate that key staff received over 300 emails daily with questions around the CARES Act and PPP, and our response time was, in nearly all cases, within the hour or two of first receiving the question. 

FIPCO's Loan Processing Central services and ShareFI consulting and agent services were quickly ramped up to help bankers manage the volume of mortgage and PPP loan doc prep work that needed to be done with limited bank staff and provide extra staffing to manage the pipeline of businesses with PPP questions and applications. In addition, several WBA forms, notable deferral agreements, were updated and made available to banks across the Midwest.

In the broadest sense of the word, WBA's advocacy for the banking industry and for its customers during this time was second to none. WBA proactively issued press releases and statements to the media to help educate the public on all the positive work the banking industry was doing to help people and businesses financially through this crisis. In addition, WBA reacted to many local, state, and national media inquiries providing substantive content and support for all the active involvement of bankers on the economic frontlines of the crisis. WBA worked to ensure accurate information about the various government programs and stimulus was provided to the public through these various news sources.

In addition, WBA was directly involved in many conversations with key elected officials at the state and national level to ensure the industry's needs were represented and heard. WBA communicated with each congressional office several times each week by email and phone to raise issues that needed clarification and to seek support for changes to the laws, rules, and program guidance. WBA is continuing those efforts on behalf of the industry nationally to not only advocate for Congress to appropriate more money to the PPP program so that more businesses can be helped, but also to work with key officials in the Governor's Administration to develop a plan to re-open our state's economy.

Providing value to the membership every day has been part of WBA's mission for years, so it was very easy to re-focus our priorities to helping members through this unprecedented crisis. The entire WBA team could not be more proud to represent an industry so vital to the state's economy. This crisis highlights the critical leadership role the banking industry plays in helping customers through very difficult financial times while bankers, as individuals, navigate these same uncertainties in their own personal lives. Thank you for all you are doing to help steer the economic ship through these uncharted waters!

Oswald Poels is president and CEO of the Wisconsin Bankers Association.

By, Amber Seitz

As our state and nation begin to emerge from the COVID-19 pandemic, banks should start their reopening planning process with this Reopening Resource Center from WBA. This downloadable PDF contains several sections of information designed to facilitate bank decision-making in how and when to reopen, including checklists for each phase outlined in the Badger Bounce Back plan, questions to consider throughout reopening, recommendations from WBA, downloadable print resources, and a directory of third-party resources (also listed below on this site). The Reopening Resource Center will be updated as new information and guidance becomes available.

Last updated: August 19, 2020.

Preferred Partners:

BHG Bankers Healthcare Group
Meaghan Kincaid, Assistant Vice President, Bank Relationships
mkincaid@bhg-inc.com
bhgloanhub.com/MeaghanK | 680-697-2024

Brown Boots Interactive, Inc.
Patrick Rose, Vice President
patrick@brownboots.com
15 N. Main Street, Suite 301
Fond du Lac, WI 54935
www.brownbootsbankwebsites.com | 920-906-9175

FIPCO:
KN95 Masks
Non-Medical Masks

Leap Strategic Marketing
John Verre, President and CEO
jverre@leapmktg.com
N27 W23957 Paul Road, Suite 200
Pewaukee, WI 53072
www.leapstrategicmarketing.com | 262-436-4080

Office Depot
Isaac Mares
https://community.officedepot.com/GPOHome?id=48962399
512-651-2878

VGM Forbin
Donny Wilson
Manager of Sales, Financial
dwilson@forbin.com
4026 Alexandra Drive
Waterloo, IA 50702
www.forbin.com | 515-975-6739

By, Amber Seitz

Thank you for everything you and your bank do for your community.  

Here is our way of personally saying “thank you” to each and every one of you. 

 

By, Eric Skrum

Note: This document was revised on May 4, 2020 at 8:30 a.m.

By, Eric Skrum

Last updated on June 24, 2020

By, Eric Skrum