We have a mortgage loan preapproval program that meets the HMDA guidelines for reporting under that rule. My question is - are we required to get the written acknowledgement of intent to apply jointly now required by Reg B? How are others addressing this? Thanks

Our program would get the intent because we have it on the authorization form they sign. We would get the form signed even if they had not identified a property at that point in time. Things are still not settled out at the FDIC on this issue so we are erring on the conservative side and getting the intent signed.