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Discover Your Defense When Charged With Bank Fraud

Bank fraud is a serious white collar crime that involves obtaining money from a financial institution. Federal bank fraud charges carry severe penalties for a conviction, including a statutory maximum sentence of 30 years in prison.

Examples of bank fraud include:

  • Check fraud: Examples of check fraud involve using fake checks for deposits, using a false identity to deposit checks and taking money out of the bank with the help of a stolen check.
  • Deposit account fraud: Deposit account fraud, also called check kiting, occurs when a bank records an in-transit or non-existent cash into a bank account. One example of this type of bank fraud is when a person pays with a fraudulent check or withdraws from an account and the bank pays based on the unfunded deposit.
  • Falsification of loan applications: Falsification of loan applications is a type of crime that involves misrepresenting information on, for example, a mortgage or a business loan application in order to secure approval of the loan. This type of bank fraud is also known as mortgage fraud or loan fraud.
  • Credit card fraud: This type of fraud works in a similar way to check fraud, but is accomplished with credit cards.
  • Paycheck Protection Program (PPP) loan fraud: Not all allegations of PPP loan fraud are valid. Because of the rollback of the law, many business owners were confused about whether or not they were still eligible to receive funds. Some businesses erroneously received funds they were not eligible for.

The government is not required to prove that the defendant knowingly made false misrepresentations directly to a bank. But good faith is a complete defense to bank fraud because good faith negates the element of intent to defraud required for a bank fraud conviction.

Many alleged bank fraud schemes make use of the internet and the mail, which can implicate wire fraud or mail fraud charges. For a vigorous defense for your case, turn to the Law Office of Ann Fitz. Ms. Fitz will guide you through the federal criminal process and keep you informed of the progress of your case.

Act Now To Get Your Defense Underway

Attorney Ann Fitz has a thorough knowledge of the complex nature of these charges. Tap into that knowledge for your future’s sake.

Call her law office now at 561-932-1690 or send an email to schedule your free initial consultation.