Delito de falsificación de tarjetas de transacción financiera

Explicación Simple

La falsificación de una tarjeta de pago es cuando alguien crea o usa una tarjeta que no le pertenece para robar dinero o bienes. Es como si tomas la tarjeta de alguien y compras cosas sin su permiso.

Es como cuando alguien finge ser un chef famoso solo para entrar a un restaurante y comer gratis. Si no tienes el permiso del chef, no deberías usar su nombre.

Ejemplo Práctico

Imagina que Juan encontró una tarjeta de crédito de su vecino. En lugar de devolverla, decide usarla para comprar un nuevo teléfono. Esto es un delito porque está usando la tarjeta sin autorización.

Penalidades

Las penalidades pueden incluir multas y prisión, dependiendo de la gravedad del delito.

Texto Original del Estatuto (Inglés)

SECTION 16-14-40. Financial transaction card forgery. (a) A person is guilty of financial transaction card forgery when: (1) With intent to defraud a purported issuer, a person or organization providing money, goods, services or anything else of value, or any other person, he falsely makes or falsely embosses a purported financial transaction card or utters such a financial transaction card; (2) With intent to defraud a purported issuer, a person or organization providing money, goods, services or anything else of value, or any other person, he falsely encodes, duplicates or alters existing encoded information on a financial transaction card or utters such a financial transaction card; (3) He, not being the cardholder or a person authorized by him with intent to defraud the issuer, or a person or organization providing money, goods, services or anything else of value, or any other person, signs a financial transaction card. (b) A person falsely makes a financial transaction card when he makes or draws, in whole or in part, a device or instrument which purports to be the financial transaction card of a named issuer but which is not such a financial transaction card because the issuer did not authorize the making or drawing, or alters a financial transaction card which was validly issued. (c) A person falsely embosses a financial transaction card when, without authorization of the named issuer, he completes a financial transaction card by adding any of the matter, other than the signature of the cardholder, which an issuer requires to appear on the financial transaction card before it can be used by a cardholder. (d) A person falsely encodes a financial transaction card when, without authorization of the purported issuer, he records magnetically, electronically, electro-m