"The USA PATRIOT Act Customer Identification Program (CIP), mandated by Section 326 of the 2001 Act, requires financial institutions to implement reasonable, written, risk-based procedures to verify the identity of any person or entity opening a new account. Institutions must collect name, address, date of birth, and identification numbers (TIN/SSN) to check against terrorist lists and maintain records"
So,if they have no ID number,they open an account. If they have an ID number, it's easy to verify status.
Fake number is fraud. Use someone else's? Stolen ID.
"The appellants had argued that the IRS's sharing of information with ICE violated Section 6103 of the federal tax code, which guarantees taxpayer privacy. The judges, however, said the immigrants' rights groups were unlikely to succeed on that "contrary-to-law claim" because 6103 "straightforwardly says that addresses can be disclosed if they are not taxpayer return information.'"
Not overturned but established their chance of success were unlikely to succeed.
Good luck proving the law was broken.