---
title: "Organise the file for advice to a guarantor"
url: "https://ailawframework.com/practice/banking-and-finance/give-a-guarantor-independent-legal-advice-on-a-bank-guarantee/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A3-T20261018-39-US"
practice_area: "Banking & Finance (Lending, Securities, Project Finance)"
tier: "red"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Organise the file for advice to a guarantor

> List the guarantee's limit, the debt secured, and whether the file shows the guarantor is the borrower's spouse or another person whose signature was required. Do not write the advice.

Canonical page: https://ailawframework.com/practice/banking-and-finance/give-a-guarantor-independent-legal-advice-on-a-bank-guarantee/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Banking & Finance (Lending, Securities, Project Finance)](https://ailawframework.com/practice/banking-and-finance.md) |
| Human involvement | Red: Lawyer writes; AI may check, clarify or collect data |
| How AI is used | List the guarantee's limit, the debt secured, and whether the file shows the guarantor is the borrower's spouse or another person whose signature was required. Do not write the advice. |
| What the lawyer must review | You write the advice. Regulation B, 12 C.F.R. § 1002.7(d), says a creditor shall not require the signature of an applicant's spouse or other person, other than a joint applicant, if the applicant qualifies under the creditor's own standards. A joint financial statement is not an application for joint credit. The creditor may require another signature where state law makes that instrument necessary to reach jointly owned property, community property, or property offered as security. The applicant's spouse may be an additional party, but the creditor shall not require that the spouse be the additional party. This is not a statutory certificate of independent advice. Opinion 512: do not put the guarantee into a public tool, and do not give the guarantor generated text. |
| Written for | United States |
| Applies to | [Give a guarantor independent legal advice on a bank guarantee](https://ailawframework.com/practice/banking-and-finance/give-a-guarantor-independent-legal-advice-on-a-bank-guarantee.md) |

## Checking plan

- What the AI does: List the guarantee's limit, the debt secured, and whether the file shows the guarantor is the borrower's spouse or another person whose signature was required. Do not write the advice.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Write nothing that is given to the guarantor as advice.
- Do not treat a spouse's signature as forbidden in every case. Read the property exceptions.

## Sources

- [12 C.F.R. § 1002.7, Rules concerning extensions of credit](https://www.ecfr.gov/current/title-12/section-1002.7) (checked 2026-10-22)
- [ABA Formal Opinion 512, Generative Artificial Intelligence Tools (29 July 2024)](https://www.americanbar.org/content/dam/aba/administrative/professional_responsibility/ethics-opinions/aba-formal-opinion-512.pdf) (checked 2026-10-22)
- [ABA Model Rule 1.6, Confidentiality of information](https://www.americanbar.org/groups/professional_responsibility/publications/model_rules_of_professional_conduct/rule_1_6_confidentiality_of_information/) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*