Originally Posted by radonc1

I would presume he is using other people's ID and SSN to get a second and third card.

Since One is a bank demand deposit account, it has Federal rules requiring identification including a SS# or TaxID# for identity verification, as mandated by federal law (USA Patriot Act) for financial accounts.

While I imagine our lawyers can supply more detailed information, a quick review found the following:
18 U.S. Code § 1028 - Fraud and related activity in connection with identification documents, authentication features, and information