You are PERMITTED to collect marital status on any loan other than individual, unsecured credit (provided you only use the terms married, unmarried, or separated). You are REQUIRED to collect marital status on loans to purchase or refinance the purchase of the borrower's principal dwelling (by Reg B and Reg C) and on home improvement loans (if you classify and report under Reg C).
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Jim Bedsole, CRCM, CBA, CFSA
Opinions expressed are my own, and do not necessarily reflect those of my employer.