Loan is made to A with B as a guarantor & A stops making payments. B takes up the slack and wants to pay off the loan. He doesn't want A to know he's done this. Is the bank forced to send a copy of the paid off note to A & B since they were both on the note or can we only give it to A? Would it be state law driven? I have no idea where to even start looking for the answer.

Federally, there's no requirement to return the paid off note to borrower A, B or A/B combo.

State: you may want to post this in your state forum below.

As an FYI, at at previous employer, if a guarantor paid off a note and requested it, we would assign the note and security agreement to them so that they could go after Borrower A for the money. The original docs were given to the Guarantor.