There is not a single Unique Loan Identification Number (ULIN) of a mortgage loan in use uniformly throughout the industry over the life of the loan, and many in the industry use individual methods of identifying loans at various stages in the loan's life cycle. This proposed DWG will explore the development of a universally accepted ULIN. The group will examine current mortgage identifier systems and the potential for standardization, and will also review other non-mortgage banking industry efforts such as the definition of the ISO [International Organization for Standardization] "bank card" standard for credit and debit cards.