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Informational Memorandum
Subject:Spousal Signature Provisions of Regulation B
Date of Memorandum:07/02/2002
Expiration Date:
Signed By:Smith, Roland
FCA Contact Person:Holland, Tom
Contact Phone:703-883-4484
List of Attachments:Guidance on the Spousal Signature Provisions of Regulation B

To: The Chief Executive Officer
All Farm Credit System Institutions

From: Roland E. Smith, Director
Office of Examination

Subject: Spousal Signature Provisions of Regulation B

The Federal Deposit Insurance Corporation has issued the attached guidance to assist institutions in complying with the spousal signature provisions of the Equal Credit Opportunity Act and its implementing regulation (Regulation B, 12 CFR Part 202). Among other factors, Regulation B prohibits lending policies and practices that discriminate on the basis of marital status.

The guidance summarizes the Regulation B rules governing spousal signatures as they relate to extensions of credit, as well as exceptions and other related requirements. The guidance also outlines steps institutions should take to ensure compliance with the spousal signature provisions.

This guidance is also available at the following Web site:

If you have any questions about this informational memorandum, please call Thomas J. Holland, Director, Special Examination and Supervision Division, Office of Examination, at (703) 883-4483, or write to him on the Internet at e-mail address