Prohibiciones sobre la gestión de solicitudes de préstamos

Explicación Simple

No puedes ayudar a alguien a conseguir un préstamo si sabes que lo están haciendo de manera ilegal. Si lo haces, podrías meterte en problemas muy serios.

Es como si alguien te pide que le ayudes a vender un coche robado. Aunque tú no robaste el coche, si lo ayudas, también podrías tener problemas.

Ejemplo Práctico

Imagina que Juan recibe una solicitud de préstamo de su amigo Luis, pero sabe que Luis no tiene buenos antecedentes de crédito. Si Juan envía esa solicitud, podría enfrentarse a consecuencias legales por hacerlo.

Penalidades

Violaciones pueden llevar a 4 años de prisión o multas de hasta $100,000.

Texto Original del Estatuto (Inglés)

MCL 750.219f - Forwarding loan or accessing loan proceeds in violation of chapter; violation as felony; penalty; exception; “financial institution” defined Sec. 219f. (1) A person shall not receive with the intent to forward, possess with the intent to forward, or forward an application for a loan or other extension of credit on behalf of a person to another person knowing or having reason to know the application has been prepared or is being submitted in violation of this chapter. (2) A person shall not receive with the intent to forward, possess with the intent to forward, or forward to another person 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 this chapter. (3) 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 $100,000.00, or both. (4) Subsections (1) and (2) do 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) Receives with the intent to forward, possesses with the intent to forward, or forwards an application in another person's name without prior actual knowledge that the application was prepared in violation of this chapter. (b) Forwards an application prepared in another person's name to a federal, state, or local law enforcement agency or regulatory agency. (c) Forwards an application prepared in another person's name to a credit reporting bureau or other person to determine whether the application was pre