KYC is illegal because
1) It violates the ADA
2) It violates BIPA (except when used by banks)
3) It is not mandatory; banks must merely ask, they are NOT meant to "mandatorily obtain proof and refuse customers if proof is not available".
4) It is political discrimination, which is illegal when committed by banks.
5) It is illegal for banks to demand tracking number (aka "social security number").