skip to main content

H.R. 1457: MOBILE Act of 2017

H.R. 1457 authorizes a financial institution, upon an individual’s request, to record personal information from a scan, copy, or image of such individual’s driver’s license or personal identification card and store the information electronically for the purpose of verifying the identity of a customer and preventing fraud or criminal activity, and requires the financial institutions to delete the image after using it for the permitted purpose.

Currently, a majority of states allow mobile banking apps to copy or scan state-issued driver’s licenses or personal identification cards to verify customers, allowing them to open a bank account or seek certain other banking services on a mobile device. However, a minority of states do not permit this practice or have potentially ambiguous related laws.

Last updated Feb 12, 2018. Source: Republican Policy Committee

The summary below was written by the Congressional Research Service, which is a nonpartisan division of the Library of Congress, and was published on Jan 29, 2018.


(Sec. 1) This bill authorizes a financial institution to record personal information from a scan, copy, or image of an individual's driver's license or personal identification card and store the information electronically when an individual initiates an online request to open an account or obtain a financial product. The financial institution may use the information for the purpose of verifying the authenticity of the driver's license or identification card, verifying the identity of the individual, or complying with legal requirements.

The financial institution must delete any copy or image of an individual's driver's license or personal identification card after use.