Uso fraudulento de dispositivos de transacción financiera

Explicación Simple

Si alguien usa una tarjeta de banco para sacar más dinero del que tiene o más veces de lo permitido, está haciendo algo malo. Esto puede llevar a que esa persona vaya a la cárcel o tenga que pagar una multa.

Es como si tu amigo te prestara su bicicleta, pero tú decides usarla todos los días sin su permiso y la devuelves dañada. Eso no está bien y puede tener consecuencias.

Ejemplo Práctico

Imagina que Juan tiene una tarjeta de débito que solo le permite sacar dinero dos veces a la semana. Sin embargo, Juan decide sacar dinero todos los días y termina retirando más de lo que tiene en su cuenta. Esto podría metérselo en problemas con la ley.

Penalidades

Multas de hasta $10,000 y cárcel de hasta 5 años, dependiendo de la cantidad de dinero involucrada.

Texto Original del Estatuto (Inglés)

MCL 750.157w - Fraudulent use of financial transaction device to withdraw or transfer funds in violation of contractual limitations Sec. 157w. (1) A person who knowingly and with intent to defraud uses a financial transaction device to withdraw or transfer funds from a deposit account in violation of the contractual limitations imposed on the amount or frequency of withdrawals or transfers or in an amount exceeding the funds then on deposit in the account is guilty of a crime as follows: (a) A misdemeanor punishable by imprisonment for not more than 93 days or a fine of not more than $500.00 or 3 times the amount of funds withdrawn or transferred, whichever is greater, or both imprisonment and a fine, if the amount of the funds withdrawn or transferred is less than $200.00. (b) A misdemeanor punishable by imprisonment for not more than 1 year or a fine of not more than $2,000.00 or 3 times the amount of funds withdrawn or transferred, whichever is greater, or both imprisonment and a fine, if any of the following apply: (i) The amount of the funds withdrawn or transferred is $200.00 or more but less than $1,000.00. (ii) The person violates subdivision (a) and has 1 or more prior convictions for committing or attempting to commit an offense under this section or a local ordinance substantially corresponding to this section. (c) A felony punishable by imprisonment for not more than 5 years or a fine of not more than $10,000.00 or 3 times the amount of funds withdrawn or transferred, whichever is greater, or both imprisonment and a fine, if any of the following apply: (i) The amount of the funds withdrawn or transferred is $1,000.00 or more but less than $20,000.00. (ii) The person violates subdivision (b)(i) and has 1 or more prior convictions for committing or attempting