Okay, I'm back to square one. After the PB views and records the driver's license, don't we have to verify that information somehow? We have been doing it thru ChexSystems since they report back the name the driver's license is issued in if from our state. I thought all along that we had to verify the documents we used for identification and I know of no other way to do it since we don't use an anti fraud system. We have been verifying documents on entities such as articles of inc through the state website. Isn't verification required and how are other banks doing it? Also doesn't the policy have to say exactly how we're verifying? As you can tell, I am questioning myself since our written procedures are being questioned. And if the address is different now from what is on the DL, is that considered a discrepancy? Thanks