Kari, our bank took the procedural stance last year that we would report them as a Purchase. I spent the time to look at all the posts that you've been referred to, and I spoke to different compliance resource we have, and basically it comes down to what Skittles said: make a bank decision how ALL all buyouts (family, friend, business and spousal) will be categorized, put it in writing, and stick with it.
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My opinion is free: sometimes you get what you pay for; sometimes you get lucky.