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What this task is

This task collects a clear, legible copy of the borrower’s current government-issued photo ID. Common examples include a driver’s license, state ID card, passport, or similar official document that contains:
  • The borrower’s full legal name,
  • A clear photograph, and
  • Issue and expiration dates.
The ID is used primarily for identity verification, fraud prevention, and regulatory compliance.

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When this task is required

This task is effectively required on every loan file once the borrower’s information is known, and especially when:
  • The borrower has completed an application with personal details, and
  • The lender is preparing to underwrite, disclose, or close the loan.
It may be requested or refreshed if:
  • The prior ID on file is expired, or
  • There are discrepancies in name, address, or other identifying information.

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Why this task is required

Lenders must comply with Know Your Customer (KYC), Customer Identification Program (CIP), and other anti-fraud and anti-money laundering regulations. Collecting a government-issued photo ID helps the lender:
  • Confirm that the borrower is who they claim to be.
  • Reduce risk of identity theft, impersonation, or synthetic identity fraud.
  • Ensure the loan file contains the documentation needed for regulatory and investor audits.
Without a valid ID, the lender may be unable to proceed with underwriting or closing and may not satisfy key compliance obligations.

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Documents needed to resolve this task

To satisfy this task, provide:
  • A clear, color scan or photograph of a current, unexpired government-issued photo ID:
    • The entire document should be visible and unredacted.
    • The image must be legible enough to read name, dates, and identification numbers.
  • If the borrower has recently changed their name (for example, due to marriage or divorce), provide:
    • The updated ID, or
    • Supporting documentation that links the prior and current legal names.
These materials allow the lender to confidently document the borrower’s identity and meet regulatory identification standards.