America remains vulnerable to many internal and external threats such as terrorist attacks, identity theft and other fraudulent activity like bank fraud. In response to 9/11 Commission Report recommendations, Congress passed the REAL ID Act of 2005, establishing uniform minimum standards for state-issued driver's licenses and identification cards that federal agencies accept for official purposes. Despite unmistakable progress in securing the US since 9/11, the threat of terrorism still exists. Meanwhile, bankers are continuing to receive ever-mounting pressure to comply with "Know Your Customer" regulations. Given this broad array of possible identity documents, a banker's ability to establish valid identification is quite difficult. REAL ID will ease the burden on staff and assure both bank management and regulators that with REAL ID, banks will truly know their customers. The Department of Homeland Security takes seriously its responsibility to prevent terrorism, reduce fraud and improve the reliability and accuracy of identification documents.