Do spouses combine separately owned accounts for the $10,000 FBAR threshold?

Each person adds the full value of any joint account to their own separate accounts and any accounts they have signature authority over. The deciding facts are whose name is on each account, whether anyone holds an account on another person's behalf, and who can instruct the bank. IRS guidance says family attribution rules don't apply to the FBAR.⁠^{[2]Source 2}

Spouse A owns a foreign account worth $7,000 and spouse B separately owns an account worth $8,000. Neither has authority over the other's account and they share no other foreign accounts. Their $15,000 household total doesn't create an FBAR requirement for either spouse.⁠^{[1]Source 1}⁠^{[2]Source 2}

List each spouse's accounts separately. If they also own a foreign account together, include its full value in both lists when applying the $10,000 test.⁠^{[3]Source 3}⁠^{[2]Source 2}