If an applicant is applying for individual unsecured credit, we cannot inquire about marital status unless the applicant resides in a community property state. The addition of verbiage qualifying the request of marital status is acceptable. Agree, this is true in GA as well.



My ‘other’ bank used all purpose applications for secured, unsecured, closed-end and open-end applications. We had a statement that read: Do not complete section ** of this application unless you are a resident of a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, or Wisconsin).



Also Appendix B of Regulation B gives these examples of choices for applicants of unsecured/secured and closed-end credit.



If you are applying for individual credit in your own name and are relying on your own income or assets and not the income or assets of another person as the basis for repayment of the credit requested, complete only Sections * and * If the requested credit is to be secured, also complete the first part of Section * and Section *.


If you are applying for joint credit with another person, complete all Sections except *, providing information in * about the joint applicant. If the requested credit is to be secured, then complete Section *.
We intend to apply for joint credit. Applicant Co-Applicant



If you are applying for individual credit, but are relying on income from alimony, child support, or separate maintenance or on the income or assets of another person as the basis for repayment of the credit requested, complete all Sections except * to the extent possible, providing information in * about the person on whose alimony, support, or maintenance payments or income or assets you are relying. If the requested credit is to be secured, then complete Section *