Vermont Statutes Annotated

Vt. Stat. Ann. tit. 09, § 102 (2026)

Co-signer’s notice

✓ current as of May 2026

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Subchapter 002 : DISCLOSURE

(Cite as: 9 V.S.A. § 102)

§ 102. Co-signer’s notice

If a lender requires the signature of an obligor jointly and severally the instrument evidencing the obligation shall contain on its face the following notice, conspicuously placed, in a size equal to at least 10-point bold type:

NOTICE TO CO-SIGNER: YOUR SIGNATURE ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. (Added 1975, No. 106, § 3.)

Notes of Decisions

Cited in 3 cases, 1984–2010 · leading case: Vermont Dev. Credit Corp. v. Kitchel, 544 A.2d 1165 (Vt. 1988).

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Vermont Dev. Credit Corp. v. Kitchel, 544 A.2d 1165 (Vt. 1988). · cites it 6× “§§ 2201-2235), thus making one of the notes unenforceable under the terms of that Act; and (2) whether defendant is, in effect, a co-signer rather than a guarantor, thereby making six of the notes and guaranties unenforceable because they lack the statutory notice to co-signers…”

R. Brown & Sons, Inc. v. Credit All. Corp., 473 A.2d 1168 (Vt. 1984). · cites it 4× “34 were incorrectly calculated by the trial court; (3) promissory notes executed by the plaintiff corporation were void because not in compliance with the bold type requirements of 9 V.S.A. § 102. Defendant appeals the court’s order discharging its mortgage on the individual…”

MFW Assocs., LLC v. Snowdance, LLC (Vt. Super. Ct. 2010). “Defendants have separately moved for summary judgment on the ground that they have no personal liability as a matter of law because the forbearance agreement does not include the notice required by 9 V.S.A. § 102. That section explains that if a lender requires the signature of…”

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