---
title: "Collect customer-identification documents for a bank lending account"
url: "https://ailawframework.com/practice/banking-and-finance/run-aml-kyc-document-collection-for-a-lending-matter/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A3-B2-3-US"
practice_area: "Banking & Finance (Lending, Securities, Project Finance)"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Collect customer-identification documents for a bank lending account

> List the name, date of birth, address and identification number the file already has, and the items still missing, for a bank account. Do not write the bank's program.

Canonical page: https://ailawframework.com/practice/banking-and-finance/run-aml-kyc-document-collection-for-a-lending-matter/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Banking & Finance (Lending, Securities, Project Finance)](https://ailawframework.com/practice/banking-and-finance.md) |
| Human involvement | Yellow: Lawyer and AI draft together |
| How AI is used | List the name, date of birth, address and identification number the file already has, and the items still missing, for a bank account. Do not write the bank's program. |
| What the lawyer must review | A bank that must keep an anti-money-laundering program must have a written customer identification program under 31 C.F.R. § 1020.220. Before opening an account it must obtain, at a minimum, the customer's name, date of birth for an individual, an address, and an identification number. The address is a residential or business street address, or the alternatives in paragraph (a)(2)(i)(A) if there is none. A U.S. person gives a taxpayer identification number. A non-U.S. person gives a taxpayer identification number, a passport number and country of issuance, an alien identification card number, or the number and country of another government document that bears a photograph or similar safeguard. A customer who has applied for a number may open an account only if the program confirms the application was filed and the number is obtained within a reasonable time. This rule is for those banks. It is not a rule for every non-bank lender, and it is not the beneficial-ownership rule. |
| Written for | United States |
| Applies to | [Run AML/KYC document collection for a lending matter](https://ailawframework.com/practice/banking-and-finance/run-aml-kyc-document-collection-for-a-lending-matter.md) |

## Checking plan

- What the AI does: List the name, date of birth, address and identification number the file already has, and the items still missing, for a bank account. Do not write the bank's program.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Do not decide that the bank knows the customer's true identity. The program's verification step is still required.
- Keep identity documents out of a public tool.

## Sources

- [31 C.F.R. § 1020.220, Customer identification program requirements for banks](https://www.ecfr.gov/current/title-31/section-1020.220) (checked 2026-10-22)
- [ABA Formal Opinion 512, Generative Artificial Intelligence Tools (29 July 2024)](https://www.americanbar.org/content/dam/aba/administrative/professional_responsibility/ethics-opinions/aba-formal-opinion-512.pdf) (checked 2026-10-22)
- [ABA Model Rule 1.6, Confidentiality of information](https://www.americanbar.org/groups/professional_responsibility/publications/model_rules_of_professional_conduct/rule_1_6_confidentiality_of_information/) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*