Currently, our CIP policy requires that the identification provided include a picture and a signature. However, some US government issued IDs do not have signatures (e.g. U.S. Passport, Permanent Resident Alien Card, etc.). We recently came across a Colorado DL that did not have a signature and had the REAL ID star. I am seeking input from other FIs as to what your requirements are with regards to the identification. Do you require picture and signature, or picture only? Also, what documents do you accept? I know the reg mentions verification through documents may include "unexpired government-issued ID evidencing nationality or residence and bearing a photo or similar safeguard", but no requirements to have both that I can find so I am looking at recommending a change to our policy.

A US Passport is not valid unless it is signed, but that is besides the point. Why you added a signature requirement is beyond me and it sounds like you have brought on this dilemma upon yourselves.

Recommend you update your policy to remove the signature requirement.

great thing about policies, when they don't make sense you can change them. this seems to be one of those times...

Not sure why a FI would accept an Identification document that is not valid.

I am with edAudit. If something is not valid I would not accept it. I am with the rest though that you should change the policy. A valid ID will work and no need to go to far into details.

I was commenting on this statement and noting that it was not a true statement.

However, some US government issued IDs do not have signatures (e.g. U.S. Passport, .......................

From the US Passport site:

A passport book is valid only when signed by the bearer in the space designated for signature, or, if the bearer is unable to sign, signed by a person with legal authority to sign on his or her behalf. A passport card is valid without the signature of the bearer.

so, perhaps, they meant passport card...