Possible Regulation B Violations?

If a bank were to have a Regulation B violation by requiring the signature of a non-participating spouse as a guarantor in a secured commercial business loan, do they really have that guarantor or would that signature be considered invalid? Would they be able to use that signature to get other documents, such as deeds of trust and or a release of claims from the same nonparticipating spouse, or is that just more violations of Regulation B? What sort of consequences would the bank be facing? Do you know of a Regulation B expert consultant I could speak to or consider hiring?