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#112826 - 09/08/03 03:34 AM CIP/Patriot Act - ID Requirments
Anonymous
Unregistered

Since illelgal aliens can now obtain a CDL, how does this affect CIP? Does CIP require that the institution verify that the customer has a legal right to be in U.S.?

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#112827 - 09/09/03 04:10 PM Re: CIP/Patriot Act - ID Requirments
Don_Narup Offline

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Joined: Jul 2001
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Las Vegas Nevada
The new law doesn't go into effect until Jan 2004 as I understand it.

IMO CIP does not require you to verify if a person is here legally. The problem we are faced with is now that illegals can obtain drivers license, it is their passport to every other benefit available to legal residents, including being able to register and vote.
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#112828 - 09/17/03 11:39 PM Re: CIP/Patriot Act - ID Requirments
Princess Romeo Offline

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You gotta wonder what Rep. Sensenbrenner thinks about this. As far as California banks, what can we do? A person can have a California DL and a valid TIN and still not be here legally. There is no way for us to know.

Retina scan anyone?
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#112829 - 09/22/03 09:22 PM Re: CIP/Patriot Act - ID Requirments
Tisa Offline
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Tisa
Joined: Jun 2003
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Do you know the way to ...
Quote:

Retina scan anyone?




...or the implanted micro-chips like they do for dogs & cats....
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#112830 - 10/14/03 10:21 PM Re: CIP/Patriot Act - ID Requirments
SJB Offline
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Joined: Jun 2002
Posts: 1,210
California
And don't expect The Terminator to be the Eliminator by trying to undo this law.
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#112831 - 10/14/03 11:21 PM Re: CIP/Patriot Act - ID Requirments
Anonymous
Unregistered

CIP does not require you to establish legal residence.

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#112832 - 10/17/03 06:44 AM Re: CIP/Patriot Act - ID Requirments
MissionViejoBanker Offline
New Poster
Joined: Oct 2003
Posts: 15
KYC does!

KYC EXCEEDS the CIP standards in many cases. In fact, I find it redundant.

If you have to file a W8-BEN form (for non-resident alien) for a person who has a CA drivers license for a new account, that SHOULD BE A RED FLAG!!!

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#112833 - 10/17/03 07:20 AM Re: CIP/Patriot Act - ID Requirments
MissionViejoBanker Offline
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Joined: Oct 2003
Posts: 15
Then again,

a real terrorist will use some type of US residential address. Only the fool (or klutsy) criminal would openly admit to having a foreign address when their intentions are not-so-good.

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#112834 - 10/31/03 07:53 PM Re: CIP/Patriot Act - ID Requirments
TM/PG Offline
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TM/PG
Joined: Oct 2003
Posts: 3
California, Sacramento
How are you dealing with Court appointed Public Conservators and Administrators? They should not have to give their personal information. 326 indicates that they are exempt from this requirement.

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#112835 - 12/15/03 06:16 PM Re: CIP/Patriot Act - ID Requirments
Happy Trails Offline
Member
Joined: Jun 2003
Posts: 54
Northern Calif
That's a good question. What are you California banks' doing about ID for public guardians? Also, in response to noting that someone may be here illegally; what does the bank care if they are here illegally or not. We only need to identify them right?

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#112836 - 12/16/03 12:19 AM Re: CIP/Patriot Act - ID Requirments
Tisa Offline
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Tisa
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Posts: 938
Do you know the way to ...
Status as citizen / resident / non-resident alien / illegal alien may factor into risk-based procedures on just how you're going to identify someone. Your institution may not want to make the distinction, and may assign them all the same (higher) risk level.
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