Spouse Signature Check

Live. Collecting from a borrower's spouse? ECOA / Reg B signature rules: personally liable, collateral-only, or open to an ECOA challenge.

Send up to 2,000 accounts with what the spouse signed and why (joint applicant, cosigner or guarantor, security instrument, community property or jointly owned property instrument), whether the applicant qualified alone, and how you are collecting. Applies ECOA / Reg B 12 CFR 1002.7(d)(1)-(6): no required spouse signature when the applicant qualified individually, joint applicant only with documented intent to apply jointly, additional parties allowed but never required to be the spouse, security-instrument and jointly-owned-property signatures reach only the property, and the community property state conditions (AZ, CA, ID, LA, NV, NM, TX, WA, WI). Returns personal / collateral_only / community_property_only / review liability with cited findings. Nothing stored.

Price: $0.001 per call after 1,000 free per month.

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