moose eater
Well-known member
If you fibbed, it's technically fraud.is it bank fraud if all the $$$ plus interest was paid back... i gotta know ... as i said i have fudged some numbers on a loan , which i paid back in full + the interest.... is the AG going to be knocking, or busting down my front door....
If you've given them no reason to look at you, and your account doesn't come up in some bank audit, then they shouldn't notice.
But yeah, it's a hella bad idea to lie to the banks.
When they steal from you, they're "too big to fail". When you steal from them (or commit perjury) and the US Gov finds out (the unfortunate fellow holding the bag in many cases), then you might find yourself doing some quaking and quivering.
As far as maximum penalties are concerned, on the blemished side of things, I don't think a significant Wall St. name has done any real time since the Keating 5 in the 1980s. Wall St. has its talons into both sides of the aisle in DC.
On the further blemished side of things, you're not likely a Wall St. broker or CEO as far as we know. So you won't have that particular Congressional no-stick teflon coating, and no one at the SEC's enforcment arm making sweetheart deals on your behalf with a Federal judge, so, there's -that-.
But in reality, should someone like yourself, in a modest income bracket, with some fudging on your applications, no other felonies on premises when they have their discourse with you (which isn't likely, but....), and things were to go wrong, and they were onto your 'crime', then I would personally wager you'd be looking at something like several thousand dolars in fines (maybe a bit more) and a token stay in some mid-grade cell, just to "teach you your lesson."
There are likely other factors as to how that might play out, but I'll leave them by the side of the road for now.
Perjury is (quite frankly) rarely prosecuted, but when it is, your lies were either notably offensive to someone with some authority, or you pissed someone off in some other way.. Kinda' like how tRumps is busily pissing off several judges (or more) at the moment. Always a bad idea. Like pissing off your local newspaper editor; rarely does it end well.
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