They will not have access to any chat, unless you add them to it explicitly. If you are referring to recurring meetings, Microsoft is rolling out a change in behavior:
Updates to meeting chat membership
MC226407, Plan For Change, Published date: Nov 11, 2020
Feature update, User impact
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Major update: AnnouncementWe are updating a meeting participant's access to meeting chat. These changes will manage a users access to a meeting chat based on how they were invited to the meeting.
Key Points:
Microsoft 365 Roadmap ID: 68853 Timing: rollout will begin in early December and complete by mid-December Rollout: Tenant level Control: Managed by meeting participants invite to meeting
How this impacts your organization:
Once this has rolled out, the changes will apply to new meetings. These changes will not be applied to previously scheduled meetings.
A participants access to meeting chat will be dependent on how they were invited to the meeting:
Single meeting Original and forwarded invitees maintain access to chat. Directly added participants have access to chat for the duration of the meeting. Chat access is removed at meeting conclusion but they will be able to review the meeting chat history. Recurring - Single instance of a meeting series Original invitees maintain access to chat. Forward invitees or directly added participants have access to chat for the duration of the meeting. Chat access is removed at meeting conclusion but they will be able to review the meeting chat history.
Note: These changes do not impact channel meetings.
What you need to do to prepare:
You may consider updating your training and documentation as appropriate.