Is this an affiliated business arrangement? Bank loan officer refers title work services to a law firm owned by spouse.
Does bank have a business relationhip with provider?

Referring Party: bank
relationship??: spouse of bank loan officer??

Yes and it also sounds like a conflict of interest.

Related post:

http://www.bankersonline.com/forum/ubbth...102#Post1807102

Second part of question- The law firm owned by the spouse is not on the bank's Settlement Services Providers list and a customer chooses to use the spouse's law firm. Does the AfBA diclsoure need to be given if customer chooses-no referral?

The consumer doesn't have an option to choose "no referral". You either made the referral or you didn't. I'm curious how you will document a referral was not made, especially if the consumer chooses the law firm.