Recalcitrant signers are a problem, especially on the identity issue. I usually confirm that they have their I D as far in advance as possible, and notify the signing service or TC that I will not proceed with the closing until it is properly produced. So far I have not had a problem with it. Compliance with the 9/11 Patriot's act requiring proper I D would seem to supersede the rate lock issue. I think it would be incumbant upon the borrower, TC and lender to do what is necessary to comply with both the law and the rate lock expiry.