I have a Certificate of Deposit in my name or my wife's name. If I use the CD as collateral on a loan at my bank does my wife need to be notified that I am making a loan against the CD?
This requirement can depend on where you live. In Texas as an example, either owner, in this case you or your wife, could pledge that CD as collateral without any signature from the other.
Texas law requires though, that your wife be notified that there is a loan now against the CD. Some banks would also require that she sign the security agreement pledging it as collateral. This would not make her liable on the debt, so the answer is that it depends on the laws applicable to your lender. Your lender should be able to tell you whether it is nesessary or not.
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This requirement can depend on where you live. In Texas as an example, either owner, in this case you or your wife, could pledge that CD as collateral without any signature from the other. 