Introducing Bank-Owned Guarantee Insurance™
Personal guarantees are a universal feature of commercial lending, but they create an asymmetry that serves neither party well.
Borrowers can face catastrophic personal loss, while the guarantee itself often provides limited recovery to the bank.
Bank-Owned Guarantee Insurance (BOGI™) uses commercial credit insurance to address both sides of that imbalance.
It helps align guarantor and bank incentives while enabling banks to build greater resilience to future credit losses.
OCC clears regulatory path for AuFort’s Bank-Owned Guarantee Insurance™ (BOGI™)
On September 3, 2026, the OCC issued Interpretive Letter No. 1194, concluding that the bank-owned reinsurance model underlying AuFort’s BOGI™ program is a permissible activity for all national banks.
Designed around existing credit discipline
BOGI™ operates within existing credit frameworks.
Credit approval comes first. Borrowers still sign a personal guarantee and retain meaningful exposure, preserving alignment with the bank if a loan fails.
AuFort provides the insurance and program infrastructure required to support BOGI™ within a regulated banking environment
For borrowers
The policy provides protection against potential catastrophic personal loss.
For banks
BOGI™ can strengthen credit performance, deepen borrower relationships, and create new opportunities to capture value from the risk already embedded in their portfolios.
Two ways to work with AuFort
Banks can make Personal Guarantee Insurance available to borrowers through AuFort in two ways:
Referral partnership
Refer eligible borrowers to AuFort CapitalShield™, our fully-insured Personal Guarantee Insurance policy.
Bank-Owned
Explore a BOGI™ program designed for banks that want to participate more directly.
Learn more about BOGI™
BOGI™ is designed to give banks a powerful new tool without requiring them to operate an insurance business.
Schedule a conversation to learn how BOGI™ or an AuFort referral program could support your bank.