Then you tell the borrower (in nicer words than this of course) "I don't care what you consider your gender to be, I have to follow federal laws. For purposes of filling out my acknowledgement, if you have a penis you're a man, if you have a vagina you're a woman".
Honestly, I doubt you'd run across that many pre-op transexuals who would make an issue out of this. They're well aware of the legalities regarding gender identity and what it takes to legally make the transition.
If anyone finds this subject interesting you should watch the new season of "Surreal Life" on Vh1. Alexis Arquette is one of the castmates and she's a pre-op tranny. It's definitely illuminating to see how she deals with it and all that goes along with it. |