Right, my point being that the photo ID part (the driver's license) was, until now, not requested from you until that last step.

Tony, I think you skimmed my post quickly and missed my point entirely.

So, just to clarify.

They did not ask for any ID at the beginning of the loan process.
They did not ask for any ID during the entire 3 month period they were processing the loan.

They did ask for all kinds of ID suddenly, and almost without warning, at the very last minute, on the very last day, at closing, with the notary, and in a very redundant, useless, and extremely bureaucratic manner.

I.e., no chance of catching problems early.
This paperwork served no potential useful purpose whatsoever.

And, repeating for the fourth time, they DID NOT ask for any ID at the beginning of the process, but instead wanted ridiculous amounts of ID at the very last minute as well as a Patriot Act Declaration.