If he used the bike for collateral. and gave them on writing the VIN it does not matter. they will put a electronic lein on the bike. Then pretty much they can be just as big of problem taking said lein off of that bike. Way easier to just do what is required and be done. But, it does raise an eyebrow that they never asked for it before. I too would be hesitant to do it now since they never asked for it before. i would go back and read all the fine print on the contract. If there was nothing stating such a thing. Then I would be more than happy (if you really dont like the bank) to tell them to go Fap themselves.