Chapters 421 to 427 do not apply to any of the following:
(1) Extensions of credit to organizations (s. 421.301 (28)).
(2) Transactions in which all parties are organizations (s. 421.301 (28)).
(3) Charges for delayed payment and any discount allowed for early payment in transactions under public utility or common carrier tariffs if a subdivision or agency of this state or of the United States regulates such charges or discounts, or if such charges or discounts are made in connection with the furnishing of electric service by an electric cooperative organized and operating on a nonprofit basis under ch. 185.
(4) The ceilings on rates and charges of a licensed pawnbroker if these ceilings are established by statute or ordinance.
(5) The sale of insurance by an insurer, except as otherwise provided in ch. 424.
(6) Consumer credit transactions in which the amount financed exceeds $50,000, motor vehicle consumer leases in which the total lease obligation exceeds $50,000, or other consumer transactions in which the cash price exceeds $50,000.