I believe I have read that the NCUA considered a cosigner/guarantor a customer, but I don't believe the other agencies do. But I haven't researched this one by one. Personally, I follow the credo of "when in doubt, disclose."
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell