I have conducted a few loan closings recently (don't ask...part of my "what do you want to be when you grow up" phase) and have seen in a number of packages a form authorizing the lender to confirm the SSN provided with the Social Security Administration. This would not eliminate a need for an upfront process that gives you CIP info, but it sure is a way to know 100% what you have and possibly discourage those using fake ID.
_________________________ Kathleen O. Blanchard, CRCM "Kaybee" HMDA/CRA Training/Consulting/Mapping The HMDA Academy www.kaybeescomplianceinsights.com