It appears that we can open a joint account at https://ws.loanspq.com/Consumer/Xpress/public/Disclosure.aspx . Did you try that? We may be able to avoid having to physically visit. > From: robert <http://dummy.us.eu.org/robert> > Date: Thu, 03 May 2018 14:35:13 -0700 > > > From: Noelle <noelle> > > Date: Thu, 3 May 2018 13:42:16 -0700 (PDT) > > > > do you remember what the federal law says about what they require? > > No, I do not. > > You may want to call them, or look it up on the web.