Is it not still that? The only problem is the government has foisted the costs of the lender’s due diligence onto the general public. If a lender wants to col

Is it not still that? The only problem is the government has foisted the costs of the lender’s due diligence onto the general public. If a lender wants to collect on debts, they should need more proof than an SSN/DOB combo, and no one should have to spend time correcting their credit report from no fault of their own.