Change 1 Article Choose an article 13-1-101. Definitions. 13-1-201. General applicability. 13-1-202. Foreign corporations. 13-1-203. Compliance required. 13-1-204. Use of terms or names. 13-1-205. Financial institutions; consumer reports; encumbrance of assets; immunity. 13-1-206. Financial institutions; fiduciary and custodial accounts; bankruptcy and receivership treatment. 13-1-301. Banks. 13-1-401. Definitions. 13-1-402. Disclosure of date when account opened; exception; penalty. 13-1-501. Definitions. 13-1-502. Remote electronic terminals. 13-1-601. State banking commissioner; designation; appointment; removal. 13-1-602. State banking commissioner; qualifications; compensation. 13-1-603. State banking commissioner; powers and duties. 13-1-604. State banking board created; purpose; membership; appointment; qualifications; term of office. 13-1-605. State banking board; meetings; compensation; purpose. 13-1-606. State banking board; procedures and practices. 13-1-701. Definitions. 13-1-702. Reporting financial exploitation of vulnerable adults. 13-1-703. Notifying third parties of suspected financial exploitation of vulnerable adults. 13-1-704. Temporary hold on transactions. 13-1-705. Immunity. 13-1-706. Records. 13-1-801. Definitions. 13-1-802. Open banking authorized; regulation. 13-2-101. Generally. 13-2-102. Perpetual duration. 13-2-103. Federal deposit insurance. 13-2-201. Organization and application. 13-2-202. Articles of incorporation. 13-2-203. Repealed by Laws 1988, ch. 59, §§ 1,2. 13-2-204. Repealed by Laws 1991, ch. 175, § 3. 13-2-205. Repealed by Laws 1991, ch. 175, § 3. 13-2-206. Renumbered as § 13-1-606 by Laws 1993, ch. 115, § 2. 13-2-207. Procedure upon filing of articles of incorporation, application and other information. 13-2-208. Application filing fee. 13-2-209. Procedure for hearings on charter applications. 13-2-210. Emergency charters; fees. 13-2-211. Investigation and examination by banking commissioner. 13-2-212. Approval or disapproval of application; criteria 13-2-213. Certificate of authority to commence business 13-2-214. Decisions by board appealable; grounds. 13-2-215. Report of interests in financial institutions by state banking commissioner and board members. 13-2-216. Conversion of special purpose depository institution into state bank. 13-2-301. Requirements as to capital. 13-2-302. Issue of stock. 13-2-303. Increase or reduction of capital stock. 13-2-304. Transfer of stock and other ownership interests. 13-2-305. Purchase or acceptance of own capital stock. 13-2-306. Stock register; inspection. 13-2-307. Voting by shareholders generally; balloting for directors. 13-2-308. Preferred stock. 13-2-309. Issuance of capital notes or debentures; generally. 13-2-310. Issuance of capital notes or debentures; approval by state banking commissioner. 13-2-311. Capital notes or debentures; provisions to be stated. 13-2-312. Capital notes or debentures; conversion into common or preferred stock. 13-2-313. Capital notes or debentures; no assessment or liability. 13-2-314. Capital notes or debentures; proceeds not part of capital or surplus. 13-2-401. Authority to manage banks; qualifications. 13-2-402. Election; term; vacancies; number. 13-2-403. Meetings; record of proceedings and business. 13-2-404. Liability. 13-2-405. Repealed by Laws 1992, ch. 46, § 2. 13-2-501. Repealed by Laws 1981, ch. 29, § 1. 13-2-502. Repealed by Laws 1981, ch. 29, § 1. 13-2-503. Repealed by Laws 1981, ch. 29, § 1. 13-2-601. Repealed By Laws 1997, ch. 75, § 3. 13-2-602. Repealed By Laws 1997, ch. 75, § 3. 13-2-603. Repealed By Laws 1997, ch. 75, § 3. 13-2-604. Repealed By Laws 1997, ch. 75, § 3. 13-2-605. Repealed By Laws 1997, ch. 75, § 3. 13-2-606. Repealed By Laws 1997, ch. 75, § 3. 13-2-607. Repealed By Laws 1997, ch. 75, § 3. 13-2-701. Definitions. 13-2-702. Authorization; application; fee; activities; examination; criteria. 13-2-703. Amendment to articles of incorporation. 13-2-704. Closing of a branch. 13-2-705. Bank facility not a branch. 13-2-706. No limits on authority of existing branches and banks. 13-2-707. Prohibition on foreign bank branching. 13-2-708. Antitrust laws. 13-2-709. Loan production offices; activities; notification; examination; name. 13-2-801. Repealed By Laws 2013, Ch. 24, § 2. 13-2-802. Definitions. 13-2-803. Authority of state banks to establish interstate branches. 13-2-804. Interstate merger transactions and branching permitted. 13-2-805. Notice and filing requirements; license fee. 13-2-806. Powers; additional branches. 13-2-807. Examinations; periodic reports; cooperative agreements; assessment of fees. 13-2-808. Enforcement. 13-2-809. Repealed By Laws 1999, ch. 42, § 3. 13-2-810. Notice of subsequent merger. 13-2-901. Purpose. 13-2-902. Definitions. 13-2-903. Establishment of interstate branches by 13-2-904. Establishment of interstate branches by 13-3-101. Bond required of officers and employees. 13-3-102. Loans to executive officers, directors, principal shareholders or others with ownership interests. 13-3-103. Preference to depositors or creditors prohibited; exceptions. 13-3-104. Repealed By Laws 1999, ch. 42, § 3. 13-3-201. Acquisition of real estate. 13-3-202. Investment in stock of other corporations. 13-3-203. Borrowing. 13-3-204. Operating subsidiaries; application; fee; new activities. 13-3-301. Losses to be charged to surplus fund. 13-3-302. Bad debts. 13-3-303. Value of stocks held. 13-3-304. Dividends. 13-3-401. Real estate loans. 13-3-402. Individual indebtedness limitations; generally. 13-3-403. Individual indebtedness limitations; exceptions generally. 13-3-404. Individual indebtedness limitations; exceptions generally; federal obligations. 13-3-405. Acceptance of drafts and bills of exchange. 13-3-501. Retention generally. 13-3-502. Permanent records. 13-3-503. Records retained 3 years. 13-3-504. Requirements of state banking commissioner. 13-3-505. State banking commissioner to issue rules. 13-3-506. Duty to produce. 13-3-507. Reproduction. 13-3-601. Renumbered as § 2-1-203 by Laws 1979, ch. 142, § 3. 13-3-602. Certified checks. 13-3-603. Nonpayment of instrument when person influenced by alcohol or drugs. 13-3-701. Reports to state banking commissioner. 13-3-702. Inspection of banks; fees. 13-3-703. Exchange with federal deposit insurance corporation and federal reserve system authorized. 13-3-704. Repealed By Laws 1999, ch. 42, § 3. 13-4-101. Change in place of business. 13-4-102. Amendment to articles of incorporation. 13-4-103. Cancellation of charter. 13-4-104. Merger or conversion into state bank; branch banking by merger or consolidation; application fees. 13-4-105. Approval of merger by directors and state banking commissioner; disapproval. 13-4-106. Approval of merger by stockholders. 13-4-107. Publication of merger notice. 13-4-108. When merger effective; certificate of merger. 13-4-109. Conversion of national bank, federally chartered 13-4-110. Dissenting shareholders. 13-4-111. Effect of merger or conversion. 13-4-112. Time for conforming to state law. 13-4-113. Transfer of assets and liabilities. 13-4-114. Changing of state to national bank. 13-4-201. Conditions. 13-4-202. Transactions deemed void. 13-4-203. Impairment of capital; generally. 13-4-204. Impairment of capital; reduction of capital. 13-4-205. Impairment of capital; failure to restore. 13-4-206. Voluntary liquidation. 13-4-207. Repealed by Laws 1988, ch. 59, § 1,2. 13-4-301. Notice to state banking commissioner. 13-4-302. Federal deposit insurance corporation as receiver, liquidator or subrogee. 13-4-303. When bank taken possession of; resumption of business. 13-4-304. Application by bank for injunction. 13-4-305. Appointment of deputy examiners. 13-4-306. When bank permitted to continue business. 13-4-401. General powers and duties of commissioner. 13-4-402. Notice to creditors. 13-4-403. Reports; inspection and filing. 13-4-404. Rejection of claims; allowance of late claims. 13-4-405. Objection to claims not rejected. 13-4-406. Deposit of money collected. 13-4-501. Expenses of liquidation first priority. 13-4-502. Preference to negotiable instruments. 13-4-503. Rights of secured creditors, depositors or creditors. 13-4-504. Reorganization. 13-4-505. Hearing to be set; order for distribution of assets. 13-4-506. Dividends; borrowing to pay dividends; court approval needed. 13-4-601. Appointment; duty of commissioner. 13-4-602. Withdrawal and deposits. 13-4-603. Termination; authority of commissioner. 13-4-604. Termination; effect on payments and notice. 13-4-701. Payment of stockholders. 13-4-702. Assets discovered after liquidation. 13-4-703. Unclaimed dividends and deposits. 13-5-101. Repealed by Laws 2019, ch. 13, § 2. 13-5-102. Repealed by Laws 2019, ch. 13, § 2. 13-5-103. Repealed by Laws 2019, ch. 13, § 2. 13-5-104. Repealed by Laws 2019, ch. 13, § 2. 13-5-105. Repealed by Laws 2019, ch. 13, § 2. 13-5-106. Repealed by Laws 2015, ch. 22, § 3. 13-5-107. Repealed by Laws 1993, ch. 51, § 3. 13-5-108. Renumbered as 13-5-401 by Laws 2019, ch. 13, § 3. 13-5-109. Renumbered as 13-5-409 by Laws 2019, ch. 13, § 3. 13-5-110. Renumbered as 13-5-410 by Laws 2019, ch. 13, § 3. 13-5-111. Renumbered as 13-5-415 by Laws 2019, ch. 13, § 3. 13-5-112. Renumbered as 13-5-416 by Laws 2019, ch. 13, § 3. 13-5-113. Renumbered as 13-5-417 by Laws 2019, ch. 13, § 3. 13-5-114. Renumbered as 13-5-418 by Laws 2019, ch. 13, § 3. 13-5-115. Renumbered as 13-5-413 by Laws 2019, ch. 13, § 3. 13-5-116. Renumbered as 13-5-419 by Laws 2019, ch. 13, § 3. 13-5-117. Renumbered as 13-5-412 by Laws 2019, ch. 13, § 3. 13-5-118. Renumbered as 13-5-420 by Laws 2019, ch. 13, § 3. 13-5-201. Repealed by Laws 2019, ch. 13, § 2. 13-5-202. Repealed by Laws 2019, ch. 13, § 2. 13-5-203. Repealed by Laws 2019, ch. 13, § 2. 13-5-204. Repealed by Laws 2019, ch. 13, § 2. 13-5-205. Renumbered as 13-5-603 by Laws 2019, ch. 13, § 3. 13-5-206. Renumbered as 13-5-604 by Laws 2019, ch. 13, § 4. 13-5-207. Renumbered as 13-5-302 by Laws 2019, ch. 13, § 3. 13-5-208. Renumbered as 13-5-605 by Laws 2019, ch. 13, § 4. 13-5-209. Renumbered as 13-5-606 by Laws 2019, ch. 13, § 3. 13-5-210. Renumbered as 13-5-601 by Laws 2019, ch. 13, § 3. 13-5-211. Renumbered as 13-5-602 by Laws 2019, ch. 13, § 3. 13-5-212. Repealed by Laws 2019, ch. 13, § 2. 13-5-213. Repealed by Laws 2019, ch. 13, § 2. 13-5-214. Renumbered as 13-5-411 by Laws 2019, ch. 13, § 3. 13-5-215. Renumbered as 13-5-607 by Laws 2019, ch. 13, § 3. 13-5-216. Renumbered as 13-5-414 by Laws 2019, ch. 13, § 3. 13-5-217. Renumbered as 13-5-608 by Laws 2019, ch. 13, § 3. 13-5-218. Renumbered as 13-5-522 by Laws 2019, ch. 13, § 3. 13-5-219. Renumbered as 13-5-424 by Laws 2019, ch. 13, § 3. 13-5-301. Definitions. 13-5-302. Naming convention; advertisement of trust company. 13-5-303. Trust company organized as limited liability company; applicability. 13-5-304. Applicability of chapter. 13-5-401. Laws applicable; matters of contract. 13-5-402. Records; retention generally. 13-5-403. Records; permanent records. 13-5-404. Records; records retained three years. 13-5-405. Records; requirements of state banking commissioner. 13-5-406. Records; state banking commissioner to issue rules. 13-5-407. Records; duty to produce records. 13-5-408. Records; reproduction. 13-5-409. Financial transactions. 13-5-410. Powers of the commissioner. 13-5-411. Reports to commissioner. 13-5-412. Failure to submit required report; fees; regulations. 13-5-413. Surety bond; pledged investments; investment income; bond or pledge increases; hearings. 13-5-414. Fidelity bonds; insurance. 13-5-415. Suspension or revocation of charter. 13-5-416. Continuing jurisdiction. 13-5-417. Insolvency; unsafe condition; receivership. 13-5-418. Order declaring supervised trust company properly wound up and dissolved. 13-5-419. Voluntary dissolution of supervised trust 13-5-420. Willful neglect to perform duties imposed by law 13-5-421. Change in place of business. 13-5-422. Amendment to organizational instrument. 13-5-423. Liability of directors, managers and officers. 13-5-424. Establishment of trust service offices; application. 13-5-425. Establishment of trust company branches; application; fee; activities; examination; criteria. 13-5-426. Mergers and acquisitions of supervised trust companies. 13-5-501. Formation and organizational instrument. 13-5-502. Procedure upon filing of organizational instrument, application and other information. 13-5-503. Application filing fee. 13-5-504. Procedure for hearings or meetings on charter applications. 13-5-505. Emergency charters; fees. 13-5-506. Investigation and examination by banking commissioner. 13-5-507. Approval or disapproval of application; criteria 13-5-508. Certificate of authority to commence business 13-5-509. Decisions by board appealable; grounds. 13-5-510. Powers of public trust companies; limitations; prohibitions; conflicts of interest; exemptions. 13-5-511. Requirements as to capital or membership interest. 13-5-512. Issue of stock or membership interest. 13-5-513. Increase or reduction of capital stock. 13-5-514. Transfer of stock, membership interests and other ownership interests. 13-5-515. Stock or membership interest register; inspection. 13-5-516. Voting by shareholders and members generally; balloting for directors and managers. 13-5-517. Preferred stock. 13-5-518. Authority to manage public trust companies; qualifications. 13-5-519. Election; term; vacancies; number. 13-5-520. Meetings; record of proceedings and business. 13-5-521. Inspection of public trust company; confidentiality. 13-5-522. Conversion from chartered family trust company to public trust company. 13-5-523. Conversion from special purpose depository institutions. 13-5-601. Powers of family trust companies; prohibitions. 13-5-602. Family trust companies; authorized actions and transactions; conflicts of interest. 13-5-603. Organization of a chartered family trust company. 13-5-604. Requirements for chartered family trust company. 13-5-605. Minimum capital requirements; investment of capital. 13-5-606. Procedures upon filing of organizational 13-5-607. Inspection of chartered family trust company; fees; resolution fund account; confidentiality. 13-5-608. Conversion from public trust company to chartered family trust company. 13-5-701. Establishment of a private family trust company. 13-5-702. Inspection of private family trust companies; authority of commissioner. 13-5-703. Private family trust companies; applicability of chapter. 13-6-101. Authority to charter. 13-6-102. Articles of incorporation; bylaws; definition. 13-6-201. Insurance. 13-6-202. Capitalization. 13-6-203. Stock. 13-6-204. Reserves. 13-6-205. Repealed By Laws 1998, ch. 64, § 2. 13-6-206. Bond of officers and agents. 13-6-301. Procedure generally. 13-6-302. Conversion to federal association; procedure. 13-6-303. Conversion to federal association; effect. 13-6-304. Conversion to state association; procedure. 13-6-305. Repealed by Laws 2015, ch. 68, § 2. 13-6-306. Conversion to state association; effect. 13-6-401. When state banking commissioner to take charge; refusal to so permit. 13-6-402. Directors to relieve unsound condition; duty. 13-6-403. Directors to relieve unsound condition; failure. 13-6-404. Losses exceeding reserves or earnings. 13-6-405. Banking commissioner to be appointed receiver; assistants; bonding requirements. 13-6-406. Priority of claims. 13-7-101. Generally. 13-7-102. Organization of savings and loan associations. 13-7-103. Reports; examinations; membership in federal home loan bank. 13-7-104. Real estate and personal property. 13-7-201. "Member" defined. 13-7-202. Interest and earnings. 13-7-203. Dividends. 13-7-301. Savings and investment accounts. 13-7-302. Accounts of minors; joint accounts. 13-7-303. Repealed by Laws 2015, ch. 68, § 2. 13-7-304. Repealed by Laws 2015, ch. 68, § 2. 13-7-305. Right to redeem savings or investment accounts. 13-7-401. Debenture bonds. 13-7-402. Borrowing from federal home loan bank. 13-7-501. General requirements. 13-7-502. Repealed by Laws 1993, ch. 115, § 3. 13-7-601. Repealed by Laws 2015, ch. 68, § 2. 13-7-602. Duties generally; examinations. 13-7-603. Supervision fees. 13-7-604. Examination at request of members or shareholders. 13-8-101. Entities deemed foreign building and loan associations. 13-8-102. Certificate of need required; exceptions. 13-8-103. Certificate of admission. 13-8-104. Filing of statement; appointment of agent. 13-8-105. Statement to be renewed annually or as required. 13-8-106. Deposit required. 13-8-107. Licensing of agents, solicitors and salesmen. 13-8-201. Generally. 13-8-202. Liquidation. 13-8-301. When time of maturity guaranteed; when not. 13-8-302. Repayments and withdrawals. 13-9-101. Generally. 13-9-201. Examination; fee. 13-9-202. "Controlling interest" defined. 13-9-203. Financial responsibility. 13-9-204. Repealed By Laws 1999, ch. 42, § 3. 13-9-205. Repealed By Laws 1997, ch. 75, § 3. 13-9-301. Repealed By Laws 1997, ch. 75, § 3. 13-9-302. Repealed By Laws 1997, ch. 75, § 3. 13-9-303. Repealed By Laws 1997, ch. 75, § 3. 13-9-304. Repealed By Laws 1997, ch. 75, § 3. 13-9-305. Repealed By Laws 1997, ch. 75, § 3. 13-9-306. Scope; legislative intent. 13-9-307. Definitions. 13-9-308. Permitted acquisitions. 13-9-309. Required application; fees. 13-9-310. Standards for approval. 13-9-311. Procedures relating to applications. 13-9-312. Reports; examinations. 13-9-313. Agency activities. 13-9-314. Repealed By Laws 1999, ch. 41, § 2. 13-9-315. Penalties. 13-9-316. Authority to adopt rules and regulations; cooperative agreements; fees. 13-10-101. General penalty. 13-10-102. False statements. 13-10-103. Fraudulent insolvency. 13-10-104. Wrongful certification, issuance or delivery of instruments, preferences or borrowing. 13-10-105. Repealed by Laws 1982, ch. 75, § 5. 13-10-106. Transactions exceeding liability limits; concealing or failing to report transactions. 13-10-107. Failure to report or cooperate with state banking commissioner. 13-10-108. Operating bank or savings and loan association or trust company without complying with provisions. 13-10-109. Refusal to exhibit stock ledger or register. 13-10-110. Improper procurement of loans; permitting accounts to be overdrawn. 13-10-111. Financial involvement by state banking commissioner and employees. 13-10-112. Prosecution of criminal violations. 13-10-201. Definitions. 13-10-202. Informal enforcement actions; joint enforcement actions. 13-10-203. Cease and desist orders; Wyoming financial 13-10-204. Temporary cease and desist order; Wyoming financial institutions; bank holding companies; service. 13-10-205. Removal of officer or director; notice; opportunity for hearing. 13-10-206. Temporary suspension order; stay of order; enforcement. 13-10-207. Civil penalties; amount; factors; notice; payment. 13-10-208. Procedures for enforcement actions; service of 13-10-209. Prompt corrective action; definition. 13-10-301. Definitions. 13-10-302. Unlawful discrimination against a firearm entity; exception. 13-10-303. Remedies; attorney general notice; statute of limitation. 13-11-101. Deposit of funds. 13-12-101. Short title. 13-12-102. Applicability of other provisions. 13-12-103. Special purpose depository institutions created 13-12-104. Requirements relating to depositors; nature of business. 13-12-105. Required liquid assets. 13-12-106. Repealed by Laws 2026, ch. 75, § 2. 13-12-107. Applicable federal and state laws. 13-12-108. Required disclosures. 13-12-109. Formation; articles of incorporation. 13-12-110. Required initial capital and surplus; additional capital. 13-12-111. Application for charter; fee; subaccount created. 13-12-112. Procedure upon filing application. 13-12-113. Procedure for hearings on charter applications. 13-12-114. Investigation and examination by commissioner. 13-12-115. Approval or disapproval of application; criteria for approval; action upon application. 13-12-116. Certificate of authority to commence business 13-12-117. Decisions by board appealable; grounds. 13-12-118. Surety bond; pledged investments; investment income; bond or pledge increases; hearings. 13-12-119. Reports and examinations; supervisory fees; required private insurance or bond. 13-12-120. Suspension or revocation of charter. 13-12-121. Continuing jurisdiction. 13-12-122. Failure of institution; unsound or unsafe 13-12-123. Voluntary dissolution of special purpose 13-12-124. Failure to submit required report; fees; rules. 13-12-125. Willful failure to perform duties imposed by law; removal. 13-12-126. Rules. 13-12-127. Conversion of state bank into special purpose depository institution.
What to do with it
As published
13-3-404. Individual indebtedness limitations; exceptions generally; federal obligations.
(a) W.S. 13-3-402 and 13-3-403 do not restrict the making of loans in excess of the limitations to the extent that the repayment of principal and interest is:
(i) An obligation of the United States;
(ii) An obligation of entities in which national banks are authorized to invest as established by rule and regulation of the commissioner; or
(iii) Guaranteed or insured by any agency of the federal government for the payment of the obligations of which the full faith and credit of the United States is pledged. These commitments shall be unconditional and shall be performed by payment of cash or its equivalent within three (3) months after demand.
Your wording
Your change, as a redline
13-3-404. Individual indebtedness limitations; exceptions generally; federal obligations.
(a) W.S. 13-3-402 and 13-3-403 do not restrict the making of loans in excess of the limitations to the extent that the repayment of principal and interest is:
(i) An obligation of the United States;
(ii) An obligation of entities in which national banks are authorized to invest as established by rule and regulation of the commissioner; or
(iii) Guaranteed or insured by any agency of the federal government for the payment of the obligations of which the full faith and credit of the United States is pledged. These commitments shall be unconditional and shall be performed by payment of cash or its equivalent within three (3) months after demand.
A proposal here is not law. Support on Solon is evidence that people want the change; the official route says what it takes to make it law.