Terry,
Here is the 'Uniqueness of login name' rule that the system automatically adds to RegularUser when you create a new business space:
If EXISTS SystemUser WHERE (SystemUser.LoginName = ThisRegularUser.LoginName
AND SystemUser.ID<>ThisRegularUser.ID)
Then REPORT ERROR 'User with this login name already exists. Please choose a different name'
You can add a similarly structured rule to your objects to check attribute values for uniqueness. If you specifically want to limit the check to entry-time only, you can add condition IS NEW to the rule.