electronic Consent Based Social Security Number Verification (eCBSV) Service

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Information About eCBSV

On April 5, 2021, SSA published a notice in the Federal Register seeking comment on eCBSV’s public information collection under the Paperwork Reduction Act. You can find this notice at PRA Notice.
Below is a draft version of the information collection tool referenced in the notice

You can submit comments on these documents to:

Social Security Administration, OLCA

Attn: Reports Clearance Director
3100 West High Rise
6401 Security Blvd.
Baltimore, MD 21235
Fax: 410-966-2830
Email address: OR.Reports.Clearance@ssa.gov

To be sure we consider your comments, we must receive them no later than 05/05/2021.

  • Section 215 of the Economic Growth, Regulatory Relief, and Consumer Protection Act, (Pub. L. No. 115-174, referred to as the "Banking Bill") directs Social Security to modify or develop a database for accepting and comparing fraud protection data provided electronically by a permitted entity. In response to this statutory directive, Social Security created eCBSV, a fee-based Social Security number (SSN) verification service.
  • eCBSV allows permitted entities to verify if an individual’s SSN, name, and date of birth combination matches Social Security records. Social Security needs the number holder’s written consent with a wet or electronic signature in order to disclose the SSN verification.
  • eCBSV returns a match verification of “Yes” or “No.” If our records show that the SSN holder is deceased, eCBSV returns a death indicator. eCBSV does not verify an individual’s identity.
  • Social Security began development of eCBSV in 2019, provided an open application period from July 17, 2019, through July 31, 2019, and published the open application period in a Federal Register Notice (FRN). Applications received outside of the stated application period were not considered.

Initial Rollout

  • Social Security implemented an initial rollout to a limited number of permitted entities in June 2020.
  • As of October 25, 2019, the following are the 10 selected permitted entities enrolled:

    Financial Institutions:

    • Low Volume
      • Navy Federal Credit Union
      • University Bank*
    • High Volume
      • Discover Financial Services
      • Synchrony Financial

    Service Providers, Subsidiaries, Affiliates, Agents, Subcontractors, or Assignees of Financial Institutions:

    • Low Volume
      • SentiLink Corp.
      • ID Analytics, LLC
      • Computer Information Development, LLC
    • Medium Volume
      • Early Warning Services, LLC
      • Capital One Services, LLC
    • High Volume
      • Experian Information Solutions, Inc.

    * Since the initial selection one company, American Express Travel Related Services has been replaced with University Bank, the next in line by date and time, with a completed application, and in the same category.

Expanded Rollout

  • Any permitted entity that submitted a valid application before the open application period, but was not selected for the initial rollout will receive an invitation to complete their application for the expanded rollout.
  • Any permitted entity that did not submit a valid application before the close of the open application period will not have the opportunity to apply for the expanded rollout, and must wait until the next application period.

Next Application Period

  • Social Security will announce the next application period on this website and in a Federal Register Notice.


  • Qualified applicants for the eCBSV service must be permitted entities, as defined in the Banking Bill, and must possess an employer identification number (EIN). Each permitted entity will be required to submit a certification in accordance with the Banking Bill.
    1. Permitted Entity – A financial institution, as defined in as defined section 509 of the Gramm-Leach- Bliley Act (15 U.S.C. 6809), or service provider, subsidiary, affiliate, agent, subcontractor, or assignee of a financial institution (section 215(b)(4)).
    2. EIN - An EIN, also known as an Employer Identification Number, identifies a business entity. If you need an EIN, contact the IRS. Social Security will require permitted entities to sign an EIN consent form to allow Social Security to verify the EIN with the IRS. The EIN Consent must be executed by a corporate officer of a C corporation, shareholder of an S corporation, or a member of a partnership with authority to execute the consent with respect to the entity’s EIN.
    3. Certification Statement – A signed declaration the permitted entity provides to Social Security at least every two years that includes the following four declarations:
      • The entity is a permitted entity.
      • The entity is in compliance with the Banking Bill.
      • The entity is, and will remain, in compliance with its privacy and data security requirements, as described in Title V of the Gramm-Leach-Bliley Act (15 U.S.C. 6801 et seq.), with respect to information the entity receives from the Commissioner pursuant to this section.
      • The entity will retain sufficient records to demonstrate its compliance with its certification and this section for a period of not less than two years.
    4. You may view the Certification Statement template here.

Methods to Access eCBSV

  • There are two ways to access eCBSV:
    1. Financial institutions may choose to apply with Social Security, or
    2. Financial institutions may choose to use a service provider, subsidiary, affiliate, agent, subcontractor, or assignee to process transactions on their behalf.
  • If applying directly, the financial institution is the permitted entity and must complete all registration and enrollment requirements, including signing the user agreement.
  • If applying indirectly through a service provider, subsidiary, affiliate, agent, subcontractor, or assignee, the financial institution must independently identify and contract with a service provider, subsidiary, affiliate, agent, subcontractor, or assignee of their choice who becomes a permitted entity who signs the User Agreement. Then the service provider, subsidiary, affiliate, agent, subcontractor, or assignee must complete all registration and enrollment requirements. Once the permitted entity has completed all registration and enrollment requirements, then the financial institution must complete an individual registration including submitting the certification.

Social Security is not a party to the contractual relationship between the financial institution and the service provider, subsidiary, affiliate, agent, subcontractor, or assignee.


  • Social Security is required to collect the full cost of eCBSV services.
  • Each permitted entity will be required to pay:
    1. An annual tier based subscription fee based on estimated transaction volume for the 365-day agreement period; and
    2. An administrative fee of:
      1. $3,693 start-up administrative fee for first time enrollees, or
      2. $1,691 renewal administrative fee each time the tier subscription is renewed.
  • Below is the Annual Tier Based Subscription Fee Model:
  • Tier Annual Transaction Volume Annual Fee
    1 1 to 1,000 $400
    2 1,001 to 10,000 $3,030
    3 10,001 to 200,000 $14,300
    4 200,001 to 50,000,000 $276,500
    5 50,000,001 to 2,000,000,000 $860,000
  • Fees are based on forecasted systems and operational expenses, agency oversight, overhead, and CPA audit contract costs.
  • Social Security will periodically recalculate costs to provide eCBSV services and adjust the fees charged as needed.
  • Social Security will notify enrolled permitted entities 60 days in advance of a fee adjustment, which will take effect with their next renewal or amendment. Social Security will also post the fee adjustment in the Federal Register.

User Agreement

  • To download the eCBSV User Agreement, select User Agreement or view each section, below.