Additional chat-related features and issues within Microsoft Teams for business
Hi Taylor Megan
Based on the description of the Chat setting:
From my understanding:
-Chat = On: Guests can use Teams chat and search for people in your organization, including to start or join private chats.
-Chat = Off: Guests can still use chat in channels and private meetings and access existing one-to-one chats, but they can't search for people to start or join private chats.
I hope this helps. Please feel free to correct me if I misunderstood your question.
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