As indicated, it's not required by any law or regulation.
Some banks want it to verify that they have the "right" POD beneficiary; e.g. some families (mine) have two family members with the same name. In the case of IRAs some banks simply demand it because they may ultimately have reporting responsibilities involving the beneficiaries.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.