Photo Identification at Settlement - Watch out for expired ID's

Every since 9/11 and the Patriot Act photo identification has gone from good practice to required practice in the settlement business.  First time for us a funding was delayed because the buyerallowed their drivers ID to expire by 1 week pending his move and the lender wouldn't fund until he presented a current ID...who knew they were watching so closely.  Also, the Patriot Act requires the title company to search buyer and sellers names on their watch list.  So far no matches!