Back when I first arrived in Oxford I remarked on the peculiar repurposing of utility bills as the indispensable proof of address. That is, the banks were enjoined by law from opening an account without proof of address (except Lloyds, which didn’t care for some reason, and so won our custom and our loyalty — until they lost the latter by refusing to consider us for a mortgage on account of my irresponsible decision to be a foreigner), and they seemed to consider proof of address to be equivalent to providing a utility bill. This seems strange for many reasons. First, utility companies are private entities that have designed their bills for, well, billing purposes, not as secure identity cards. The security measures on my water bill are pretty negligible. They have made no effort to check whether the person residing at this address is the same person who is paying the bill, or that either of them has the name on their records. Second, not every legitimate resident has utility bills. In particular, people who have just moved house don’t have utility bills for quite some time.
This requirement is usually attributed to a money-laundering statute. Is there a money-laundering scam that depends on faking a residential address? By criminals who are incapable of faking the address on a water bill? But who would be able to fake a lease, letter from an employer, or any other means of proving identity?
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