> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pylon.mortgage/llms.txt
> Use this file to discover all available pages before exploring further.

# Government-Issued Photo ID

> Provide a clear copy of the borrower’s current, unexpired government-issued photo identification for identity verification and compliance.

## 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**.

## 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.

## 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**.

## 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**.