I've seen forms from more than one lender (see Vince's post below for one example) where the instructions specifically state for us to NOT send a photocopy of borrowers ID, but to fill out form instead. The requirement, I believe, is for the financial institution to prove the ID of the individual and they all have their own procedures. I had several loan officers tell me that they took care of that part up front. (Major kudos to them!!!)
Personally, I would not want to be responsible for having an electronic copy of someone's ID in my phone/camera/pc, etc., even for a little while. If requested to get a photocopy of the borrowers' ID in advance, I will do so and return it with the package. But if that person has their identity stolen the next week, I don't want there to be any reason for me to be a suspect. Besides, it's too easy for electronic copies to proliferate. Having all the other personal info we have access to is bad enough without adding copies of their ID to the mix. Again, this is my personal bias, but I figure better safe than sorry. I think borrowers appreciate that, too.
That person (from title/escrow) arguing on the phone in the original post sounds to me like another "often wrong, seldom in doubt...."
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