{
  "id": "RS21547",
  "type": "CRS Report",
  "typeId": "REPORTS",
  "number": "RS21547",
  "active": false,
  "source": "EveryCRSReport.com",
  "versions": [
    {
      "source": "EveryCRSReport.com",
      "id": 103110,
      "date": "2004-09-27",
      "retrieved": "2016-04-07T20:08:33.473835",
      "title": "Financial Institution Customer Identification Programs Mandated by the USA PATRIOT Act",
      "summary": "Under the USA PATRIOT Act,  P.L. 107-56 , section 326, 31 U.S.C. Section 5318(l), the \nSecretary\nof the Treasury has prescribed minimum standards for banks, savings associations, credit unions, and\nsecurities firms to establish Customer Identification Programs (CIPs). To open a new account, U.S.\nindividuals must provide a social security number and non-U.S. persons, a government issued\nidentification with a photograph. The required information must be verified either by documents,\nsuch as driver's licenses, or by non-documentary means, such as inquiring with a credit reporting\nagency. The institutions are to cross-check names of new account holders against lists of terrorists\nand suspected terrorists that the federal government will provide. The regulations permit financial\ninstitutions to rely on photograph-bearing-foreign-government-issued documents, such as the\n matricula consular , issued by the Mexican government, to identify new account-holders. \nAcceptance of the  matricula consular,  issued by the Mexican government, would be\nauthorized\nunder  H.R. 773  and precluded by  H.R. 3674 . The 9/11 Commission\nReport included some information about the use of bank accounts by terrorists and raised questions\nabout further sharing of information among government agencies, and the use of biometric\nidentifiers for foreign travelers, that may eventually have an impact on the CIP program. This report\nwill be updated as legislative developments warrant. Related CRS reports include  CRS Report RL32094 ,  Consular Identification Cards: Domestic and Foreign Policy Implications, the\nMexican\nCase, and Related Legislation;   CRS Report RS21627(pdf) ,  Implication of the Vienna\nConvention on\nConsular Relations Upon the Regulation of Consular Identification Cards;   CRS Report RL31377 ,\n The USA PATRIOT ACT: A Legal Analysis ;  CRS Report RL31208 ,  The\nInternational Money\nLaundering Abatement and Anti-Terrorist Financing Act of 2001, Title III of P.L.  107-56\n(USA PATRIOT Act) ; and  CRS Report RS21032(pdf) ,  Money Laundering: Current Law and\nProposals.",
      "type": "CRS Report",
      "typeId": "REPORTS",
      "active": false,
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          "encoding": "utf-8",
          "url": "http://www.crs.gov/Reports/RS21547",
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      "topics": []
    }
  ],
  "topics": [
    "American Law",
    "Foreign Affairs",
    "Intelligence and National Security"
  ]
}