[20040927]RS21547_《美国爱国者法案》规定的金融机构客户识别计划.pdf

Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS21547Updated September 27, 2004Financial Institution Customer IdentificationPrograms Mandated by the USA PATRIOT Actname redactedLegislative AttorneyAmerican Law DivisionSummaryUnder the USA PATRIOT Act, P.L. 107-56, section 326, 31 U.S.C. 5318(l), theSecretary of the Treasury has prescribed minimum standards for banks, savingsassociations, credit unions, and securities firms to establish Customer IdentificationPrograms (CIPs). To open a new account, U.S. individuals must provide a socialsecurity number and non-U.S. persons, a government issued identification with aphotograph. The required information must be verified either by documents, such asdrivers licenses, or by non-documentary means, such as inquiring with a creditreporting agency. The institutions are to cross-check names of new account holdersagainst lists of terrorists and suspected terrorists that the federal government willprovide. The regulations permit financial institutions to rely on photograph-bearing-foreign-government-issued documents, such as the matricula consular, issued by theMexican governme