I declined to take in my sister’s child because she won’t agree to any legal paperwork

I (29F) am married, and my husband and I have always been open about starting a family—but in a very intentional way. About six months ago, my older sister (33F) had a baby. Things were already complicated: she had ended a relationship with her ex due to his irresponsible and sometimes unsafe behavior, leaving her as a single parent.

A few weeks ago, she approached me with a request that shook me: she wanted me and my husband to take care of her infant. She explained that she didn’t earn enough money to support the child and that she had already cut off contact with the father. She said she was overwhelmed, scared, and unsure how she could provide for her baby.

My husband adores children, and I’ve always had a soft spot for my niece. We both love her deeply and were open to the idea of adopting her. I had imagined helping raise her could be a beautiful way to strengthen family bonds, and I thought we could provide a stable, safe, and nurturing home for her.

However, before moving forward, my husband and I had an important discussion about what adoption would entail. My husband’s stance was clear: if we were going to adopt the baby, it had to be handled legally with proper paperwork. That would ensure that, in the event something happened, my sister would no longer have the authority to make parental decisions. He emphasized that we still wanted her to visit, spend time, and have a relationship with her biological child, but she could not suddenly reclaim the child at her convenience.

I fully supported him. I agreed that love and family bonds are important, but they aren’t enough when it comes to legal responsibilities and parental rights. Without a formal agreement, the arrangement could create confusion, conflict, and heartache for everyone—especially the child.

When I spoke to my sister, I tried to explain this gently. “I love you, and I love your baby. We want to take care of her, but if we’re going to do this, it has to be official. We need legal documentation to make sure there’s no confusion about who has parental authority.”

She reacted strongly. “Legal documents? Are you kidding? We’re family! You’re my sister! I shouldn’t have to sign papers for you to care for my child. I trusted you!”

I tried to remain calm. “I understand why it feels unnecessary, but this isn’t about trust. It’s about protecting your baby and all of us. If anything happened—illness, emergencies, disagreements—we need a clear legal framework. It’s standard practice for adoptions. It’s not a reflection of how much we love you or your child.”

She became upset and emotional. “You’re treating me like a stranger! How could you ask me to give up my rights over my own child? You’re supposed to be family!”

I felt torn. I wanted to help, but I also couldn’t ignore the practical and legal reality. My husband and I discussed it privately again and agreed: we cannot move forward without legal paperwork. It’s not negotiable. We are capable and willing to raise a child, but we need certainty.

I called my sister back a few days later. “I’m really sorry, but we can’t move forward without the legal agreement. It’s for the baby’s safety, for ours, and even for you. It ensures clarity about parental responsibility, and it’s the only way we can provide a stable environment.”

She got angry. “You’re supposed to be family! How can you say no after everything? I trusted you!”

I tried to explain calmly. “I am family. I love you, and I want to help. But love doesn’t replace legal responsibility. This isn’t about distrust—it’s about certainty and safety. Without paperwork, there’s too much risk for the child and for us.”

After that, she stopped responding for a few days. I reached out again to check in, and she said she was hurt and disappointed. She feels that I abandoned her, even though I have been trying to help. She even asked if we would consider caring for the child informally, without paperwork. I said no, gently explaining that an informal arrangement would be unsafe and unfair to everyone involved.

The truth is, I’ve struggled with this. I love my niece. I want to help her, and I want her to feel secure and loved. But I cannot ignore the legal and ethical responsibilities involved in raising a child. My husband and I have our own home, finances, and life plans to consider. Taking on a child without a legal framework could create long-term complications, disputes, and heartbreak—not just for us, but for my sister and for the child.

I also worry about the emotional consequences. If my sister changes her mind—or if my niece’s father reappears—it could create chaos. The last thing I want is to become the subject of conflict or to put my niece in an unstable environment. Love alone is not enough; children need legal security, boundaries, and clarity.

Since saying no, I’ve felt guilt and sadness. I’ve tried to support my sister in other ways: helping with childcare when she asks, buying supplies for the baby, offering advice, and helping her find resources for single parents. But my refusal to take her child permanently has caused tension between us.

I’ve spoken to my parents and friends about the situation. Most people agree that I made the responsible choice, but they understand the emotional difficulty. My sister has framed it as a betrayal, which hurts. I feel like I’m caught between protecting the baby’s future and preserving my relationship with my sister.

I wonder sometimes if she sees the legal requirements as a lack of love or commitment. I’ve tried to reassure her that we do love her and the baby, but I also need to act responsibly. This isn’t a decision made lightly; it’s one made with careful thought about everyone’s well-being.

I also struggle with the idea of “family obligations.” She feels that because I’m family, I should help without question. But family love doesn’t replace practical responsibilities. I cannot promise to raise a child under informal circumstances without putting everyone at risk.

The more I reflect, the more I understand that my refusal isn’t about rejecting her or the child—it’s about protecting everyone’s safety and future. But it doesn’t make the guilt, sadness, or tension any easier. I wish she could understand that.

Reddit, am I wrong here? Am I selfish for refusing to take in my sister’s child without legal paperwork, even though I want to help? Or am I reasonable in prioritizing the child’s stability, our family’s security, and the clarity that legal documentation provides?