holdings in an IRA ROTH or any ERISA based account cannot be hypothecated (borrowed against!)
and better yet 0 if you have two such accounts or simply create one
holdings in a regular account that is not entitled to Margin (you did not ask for it ) also can not be hypothecated (borrowed against)
So - for companies following the rules - only those shares held I a margin based non IRA account can be borrowed against and the simplest thing it to take off the margin on that account - move it to a non IRA non margin account - or create a sister non margin non IRA account
All of this - the above - is the case - as it is only in the agreement for a margin account were you the owner of the stock and account give permission to the parent company to borrow your shares