Robin Martin Made an Individual Application to the Bank for a Car

Robin Martin made an individual application to the bank for a car loan. She has just returned to work on a regular basis because she was a full-time homemaker until recently, when her last child entered school. The loan officer would like to ask her about her husband. Under what circumstances can the officer ask Robin about her husband?

A) The creditor believes the spouse's signature will make the applicant more creditworthy.
B) The applicant is married.
C) The applicant resides in a community property state.
D) The applicant's credit reports indicate that the spouse is a better credit risk.