Conducta prohibida relacionada con préstamos no autorizados

Explicación Simple

No puedes pedir un préstamo usando el nombre de otra persona sin que esa persona lo sepa. Si lo haces, puedes enfrentarte a problemas graves, como ir a la cárcel.

Es como si alguien usara tu tarjeta de crédito para comprar cosas sin que tú lo sepas. Eso no está bien y puede meterte en problemas.

Ejemplo Práctico

Imagina que Juan presenta una solicitud de préstamo a nombre de su amigo Pedro sin decírselo. Cuando Pedro se entera, se sorprende y se da cuenta de que Juan podría meterse en problemas legales por lo que hizo.

Penalidades

Hasta 4 años de prisión o multa de hasta $2,500.

Texto Original del Estatuto (Inglés)

MCL 750.219e - Prohibited conduct; violation as felony; penalty; exception; “financial institution” defined Sec. 219e. (1) Except as otherwise provided by law, a person shall not do any of the following: (a) Prepare or submit an application for a loan or other extension of credit in another person's name without authorization from that other person. (b) Receive or possess an application for a loan or other extension of credit knowing or having reason to know the application was prepared or submitted in violation of subsection (1). (c) Receive or possess any instrument or device for accessing the proceeds of a loan or other extension of credit knowing or having reason to know the instrument or device was obtained as a result of a violation of subsection (1). (2) A person who violates this section is guilty of a felony punishable by imprisonment for not more than 4 years or a fine of not more than $2,500.00, or both. (3) Subsection (1) does not apply to a financial institution or an affiliate, licensee, or franchisee of a financial institution or to a director, officer, or employee of a financial institution or an affiliate, licensee, or franchisee of a financial institution who does any of the following: (a) Prepares or submits an application in another person's name without prior actual knowledge that the application is being prepared or was prepared in violation of subsection (1). (b) Submits an application prepared in another person's name to a federal, state, or local law enforcement agency or regulatory agency. (c) Submits an application prepared in another person's name to a credit reporting bureau or other person to determine whether the application was prepared in violation of subsection (1) or any other law or regulation. (d) Receives or possesses an applic