Wisconsin law provides that any contingent sale of a car or other motor vehicle that the car dealer makes contingent on the consumer getting his or her own financing is rescinded, or undone, by law, if the consumer does not provide evidence to the dealer that he or she has financing within a time established in the purchase contract. See Wis. Admin. Code Trans 139.05(2). Also, the car dealer may not charge any fee or penalty to the consumer in connection with the rescinded deal. See Wis. Admin. Code Trans 139.05(3).