We are getting ready to order new consumer loan apps. Is there anywhere in Reg. B that says where you have to include the We Intend to Apply for Joint Credit" box? We have it at the top of the app now, but one of our loan officers wanted to know if it could be moved down by the signature line of the app. Does anyone know if this is acceptable?

I don't think it's even required (on the app). Some banks use a separate form altogether, so you should be okay either way.

The model application forms in Appendix B to Reg. B have the language on them. There is a safe harbor for compliance if you use them. Appendix B