The bottom line with all these books is if they need ID to pay you money, then they should require ID BEFORE THEY TAKE YOUR MONEY. This bulls**t that they'll take your money, and cry "fraud" the second you try to take out money is such crap, also very hyprocritical!!!!! If they're worried about fraud, then shouldnt they verify who you are before taking your credit card. All books should just require ID when the account is opened, that way the players and the books wouldnt have to deal with this! Simple as that