[_Jim]

a Patriot Act form

THAT'S what he called it - is it indeed as he described it?

[Lijahsbubbe]

Well, no. I don't recall exactly what he said, but the form said PATRIOT ACT in bold letters on the top, and he said it was a new form. Why?

[halfdome]

Effective 10/1/03, banks have to obtain certain information from prospective borrowers/customers in order to comply with the Patriot Act. The information is mostly stuff banks already use for underwriting, but now it is all on one form. We also have to notify the customer that we are requesting this information to comply with Federal law.