{"id":12679,"date":"2026-10-14T17:10:10","date_gmt":"2026-10-14T09:10:10","guid":{"rendered":"https:\/\/fdlaw.com.tw\/blog\/banking-act-sales-agent-referrer-liability\/"},"modified":"2026-10-14T21:34:04","modified_gmt":"2026-10-14T13:34:04","slug":"banking-act-sales-agent-referrer-liability","status":"publish","type":"post","link":"https:\/\/fdlaw.com.tw\/en\/blog\/banking-act-sales-agent-referrer-liability\/","title":{"rendered":"Can salespersons, referrers, or commission recipients also become co-defendants in cases of illegal fundraising?"},"content":{"rendered":"<style>body.postid-12679 #header [data-device]{background-color:#173a5e}\nbody.postid-12679 #header [data-sticky^=\"yes\"] [data-row=\"middle\"]{background-color:#fff!important}\nbody.postid-12679 #header [data-device] .ct-header-trigger .ct-icon{fill:#fff}\nbody.postid-12679 #header [data-sticky^=\"yes\"] .ct-header-trigger .ct-icon{fill:#173a5e}\n.fd-bank-agent{max-width:1140px;margin:0 auto;color:#293746;font-size:17px;line-height:1.8}\n.fd-bank-agent *{box-sizing:border-box}\n.fd-bank-agent p{max-width:860px;margin:0 auto 18px;font-size:17px;line-height:1.8}\n.fd-bank-agent h1{margin:14px 0 20px;color:#fff;font-size:38px;line-height:1.45;max-width:900px}\n.fd-bank-agent h2{max-width:1140px;margin:60px auto 24px;padding:15px 20px;border-left:4px solid #b3873c;background:#edf3f8;color:#173a5e;font-size:25px;line-height:1.5}\n.fd-bank-agent h3{margin:0 0 18px;font-size:21px;line-height:1.5;color:#173a5e}\n.fd-bank-agent a{text-decoration:underline;text-underline-offset:3px}\n.fd-bank-agent .fd-agent-hero{padding:44px 40px;margin-top:60px;margin-bottom:32px;background:#173a5e;color:#fff;border-top:4px solid #b3873c}\n.fd-bank-agent .fd-agent-hero p{max-width:none;margin:0;color:#e3edf4}\n.fd-bank-agent .fd-agent-eyebrow{font-size:15px;letter-spacing:1px}\n.fd-bank-agent .fd-agent-byline{font-size:15px}\n.fd-bank-agent .fd-agent-structured{margin:28px auto 32px;max-width:1140px}\n.fd-bank-agent .fd-agent-highlight{padding:28px;background:#edf3f8;border-top:3px solid #b3873c}\n.fd-bank-agent .fd-agent-highlight h2{margin:0 0 20px;border:0;padding:0;font-size:24px;background:none}\n.fd-bank-agent .fd-agent-highlight ol{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px 24px;padding:0;margin:0;list-style:none}\n.fd-bank-agent .fd-agent-highlight li{display:flex;gap:12px;margin:0;line-height:1.75}\n.fd-bank-agent .fd-agent-highlight li span{color:#a47730;font-size:24px;font-weight:700;flex:0 0 34px}\n.fd-bank-agent .fd-agent-grid{max-width:860px}\n.fd-bank-agent .fd-agent-grid ul{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin:0;padding:0;list-style:none}\n.fd-bank-agent .fd-agent-grid li{padding:12px 16px;margin:0;background:#f3f6f9;line-height:1.7;min-width:0}\n.fd-bank-agent .fd-agent-flow-block{padding:26px 28px;border-top:1px solid #dce4ec;border-bottom:1px solid #dce4ec}\n.fd-bank-agent .fd-agent-flow-block ol{display:flex;flex-wrap:wrap;list-style:none;padding:0;margin:0 0 16px;gap:10px 0}\n.fd-bank-agent .fd-agent-flow-block li{display:flex;align-items:center;color:#173a5e;font-weight:700;margin:0;padding:8px 0}\n.fd-bank-agent .fd-agent-flow-block li:not(:last-child)::after{content:'\u2192';color:#a47730;margin:0 20px}\n.fd-bank-agent .fd-agent-flow-block p{max-width:none;margin:0;color:#526475}\n.fd-bank-agent .fd-agent-factors{padding:24px 28px;background:#edf3f8;border-left:3px solid #b3873c}\n.fd-bank-agent .fd-agent-factors>div{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:12px}\n.fd-bank-agent .fd-agent-factors span{padding:12px;border-bottom:1px solid #b8cbdc;color:#173a5e;font-weight:600}\n.fd-bank-agent .fd-agent-cta{padding:30px 32px;border-top:3px solid #b3873c;background:#edf3f8;margin:40px auto 56px}\n.fd-bank-agent .fd-agent-cta h2{margin:0 0 18px;border:0;padding:0;background:none}\n.fd-bank-agent .fd-agent-cta p{max-width:none}\n.fd-bank-agent .fd-agent-buttons{display:flex;flex-wrap:wrap;gap:12px}\n.fd-bank-agent .fd-agent-button{display:inline-flex;justify-content:center;padding:12px 20px;border-radius:4px;background:#173a5e;color:#fff;text-decoration:none;font-weight:700}\n.fd-bank-agent .fd-agent-button.secondary{border:1px solid #173a5e;background:#fff;color:#173a5e}\n.fd-bank-agent .fd-agent-cta.final{background:#173a5e;color:#fff;padding:40px}\n.fd-bank-agent .fd-agent-cta.final h2{color:#fff}\n.fd-bank-agent .fd-agent-cta.final .fd-agent-button{background:#b3873c;color:#fff}\n.fd-bank-agent .fd-agent-cta.final .secondary{background:transparent;border-color:#c9d7e4}\n.fd-bank-agent details{max-width:860px;margin:0 auto 12px;padding:16px 20px;border:1px solid #dde5ed;border-radius:4px;background:#fff}\n.fd-bank-agent summary{cursor:pointer;font-weight:700;color:#173a5e;line-height:1.6}\n.fd-bank-agent details p{margin:14px 0 0}\n@media(max-width:1024px){.fd-bank-agent .fd-agent-highlight ol{grid-template-columns:repeat(2,minmax(0,1fr))}.fd-bank-agent .fd-agent-factors>div{grid-template-columns:repeat(3,minmax(0,1fr))}}\n@media(max-width:600px){.fd-bank-agent p{font-size:16px}.fd-bank-agent h1{font-size:28px}.fd-bank-agent h2{font-size:21px;margin-top:46px;padding:13px 15px}.fd-bank-agent h3{font-size:19px}.fd-bank-agent .fd-agent-hero{padding:28px 22px}.fd-bank-agent .fd-agent-highlight,.fd-bank-agent .fd-agent-flow-block,.fd-bank-agent .fd-agent-factors,.fd-bank-agent .fd-agent-cta,.fd-bank-agent .fd-agent-cta.final{padding:22px 18px}.fd-bank-agent .fd-agent-highlight ol,.fd-bank-agent .fd-agent-grid ul{grid-template-columns:1fr}.fd-bank-agent .fd-agent-factors>div{grid-template-columns:repeat(2,minmax(0,1fr))}.fd-bank-agent .fd-agent-flow-block li:not(:last-child)::after{margin:0 12px}.fd-bank-agent .fd-agent-button{width:100%}.fd-bank-agent .fd-agent-highlight h2{font-size:21px}}\n<\/style>\n<div class=\"fd-bank-agent\"><header class=\"fd-agent-hero\"><p class=\"fd-agent-eyebrow\">Banking Law and Illegal Fundraising | Salespersons, Introducers, and Personal Liability<\/p><h1>Can salespersons, referrers, or commission recipients also become co-defendants in cases of illegal fundraising?<\/h1><p class=\"fd-agent-byline\">Author: Li Yusheng, Attorney at Law | Fidelity Law Firm<\/p><\/header>\n<section class=\"fd-agent-highlight fd-agent-structured\"><h2>Not everyone in the company bears the same criminal liability under banking law.<\/h2><ol><li><span>01<\/span><div>First, confirm whether you are the designer, person in charge, or manager of the plan.<\/div><\/li><li><span>02<\/span><div>Please confirm whether you are aware of the complete fundraising method, remuneration, and principal arrangement.<\/div><\/li><li><span>03<\/span><div>It is necessary to confirm whether the person making the introduction was just an occasional one, or whether they are continuously soliciting investors.<\/div><\/li><li><span>04<\/span><div>Confirm whether to receive commissions based on the amount raised, manage other business, or handle contracts and funds.<\/div><\/li><li><span>05<\/span><div>Even if the same company is accused of illegally raising funds, the criminal intent, actions, and evidence of each defendant should still be judged individually.<\/div><\/li><\/ol><\/section>\n<p>After large-scale illegal fundraising cases, the most common phrase heard is: &quot;I&#039;m not the boss, I&#039;m just a salesperson,&quot; or &quot;I just introduced friends to invest,&quot; or even: &quot;I invested money myself, I&#039;m a victim too.&quot; However, in banking law cases, true criminal liability doesn&#039;t solely depend on: company title, or whether commissions were received. What prosecutors and investigators truly investigate is:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Do you know how the entire investment plan works?<\/li><li>Have you been recruiting externally?<\/li><li>What did you say to the investors?<\/li><li>Have you decided on or specified the compensation?<\/li><li>How many people do you recruit?<\/li><li>Did you receive any commission?<\/li><li>Do you manage any other business operations?<\/li><li>Have you processed any contracts, payments, or refunds?<\/li><\/ul><\/div>\n<p>Are you simply giving a brief introduction, or are you already actively involved in the company&#039;s fundraising operations? Therefore: <strong>&quot;I&#039;m just a salesperson&quot; does not automatically make me guilty.<\/strong> But similarly: <strong>It doesn&#039;t automatically absolve them of responsibility.<\/strong> What is truly needed is to separate the actions of each defendant.<\/p>\n<section class=\"fd-agent-flow-block fd-agent-structured\"><h3>Character Spectrum<\/h3><ol><li>Investors<\/li><li>Introducer<\/li><li>salesperson<\/li><li>Business Supervisor<\/li><li>Core operators<\/li><\/ol><p>The character&#039;s name itself does not determine criminal liability; the actual behavior is the key factor.<\/p><\/section>\n<section class=\"fd-agent-factors fd-agent-structured\"><h3>Five factors for determining responsibility<\/h3><div><span>Level of knowledge<\/span><span>recruitment scale<\/span><span>commission<\/span><span>Management permissions<\/span><span>Capital participation<\/span><\/div><\/section>\n<p>The organization of individual roles and the scope of evidence can be handled by our firm.<a href=\"https:\/\/fdlaw.com.tw\/en\/banking-law-criminal-defense\/\">Lawyers specializing in banking law, illegal fundraising, and major financial criminal cases.<\/a>Assist in handling the matter.<\/p>\n<section class=\"fd-agent-cta fd-agent-structured\"><h2>After the company ran into trouble, I found myself listed as a defendant in the banking law?<\/h2><p>If you were originally just an investor, salesperson, or introducer, but now receive a notification from the investigation bureau due to your company&#039;s illegal fundraising case, you can first compile a list of your employment period, recruited targets, commissions, sources of company information, group records, and actual work authority, and then determine whether your criminal liability is truly the same as that of the core operator.<\/p><div class=\"fd-agent-buttons\"><a class=\"fd-agent-button\" href=\"https:\/\/line.me\/ti\/p\/@723pifhz\" target=\"_blank\" rel=\"noopener\">LINE Inquiry into Banking Law Cases<\/a><a class=\"fd-agent-button secondary\" href=\"tel:0277093611\">Urgent criminal cases can be handled by phone directly.<\/a><\/div><\/section>\n<section id=\"agent-section-1\"><h2>I. The company&#039;s violation of banking laws does not mean that all employees are guilty of a crime.<\/h2><p>Large-scale money laundering cases can be solved with a single search:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Company head;<\/li><li>Senior executives;<\/li><li>Finance personnel;<\/li><li>Business supervisor;<\/li><li>General business;<\/li><li>administrative;<\/li><\/ul><\/div>\n<p>Even some investors. However, working for the same company does not mean: everyone has access to the same information; everyone has the same decision-making power; and everyone intends to collectively raise funds. Therefore, criminal cases cannot simply conclude with: &quot;The defendants and others jointly operated an illegal fundraising business&quot; and end the individual liability analysis. It is still necessary to confirm: <strong>What exactly did each person do?<\/strong><\/p><\/section>\n<section id=\"agent-section-2\"><h2>2. What questions are sales representatives most frequently asked by prosecutors and investigators?<\/h2><p>The Bureau of Investigation might ask:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>When did you join the company?<\/li><li>Who trained you?<\/li><li>What kind of briefings does the company give you?<\/li><li>How would you introduce it to a client?<\/li><li>Do you know if the principal will be returned?<\/li><li>Do you know how the profits are calculated?<\/li><li>Do you know where the company&#039;s funds go?<\/li><li>How many people do you recruit?<\/li><li>What is the total amount?<\/li><li>How much is your commission?<\/li><li>Do you manage other business operations?<\/li><li>Did you attend the briefing?<\/li><li>Have you received or transferred any investment funds on behalf of others?<\/li><\/ul><\/div>\n<p>What really needs to be investigated behind these issues is: <strong>Your level of involvement.<\/strong><\/p><\/section>\n<section id=\"agent-section-3\"><h2>Third, does simply forwarding a company briefing necessarily make someone a co-perpetrator?<\/h2><p>We cannot judge based on just one behavior. For example:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>The company provides formal briefings to all business units;<\/li><li>One of the sales representatives simply forwarded the information to someone they knew.<\/li><li>I am not familiar with the company&#039;s use of funds;<\/li><\/ul><\/div>\n<p>They also do not participate in scheme design or fund management. And:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>The business organizes its own information sessions;<\/li><li>Actively attracting a large number of investors;<\/li><li>Explain the concepts of principal protection and fixed income;<\/li><li>Establish a downline;<\/li><li>Commission is awarded based on the amount raised.<\/li><\/ul><\/div>\n<p>Assisting with contract renewals and reinvestment can have completely different levels of criminal involvement. Therefore, it should be examined that:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Number of actions;<\/li><li>object;<\/li><li>Description of content;<\/li><li>remuneration;<\/li><li>Permissions;<\/li><\/ul><\/div>\n<p>And my own subjective perception.<\/p><\/section>\n<section id=\"agent-section-4\"><h2>IV. Could introducing your relatives and friends to invest also lead to an investigation?<\/h2><p>Possibly. Especially after a company is embroiled in a large-scale fraud case, prosecutors may investigate from the following angles:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Investor remittances;<\/li><li>Recommender;<\/li><li>Commission table;<\/li><li>Group;<\/li><\/ul><\/div>\n<p>The contracts need to be reviewed to determine who introduced each investor. However, the fact that someone &quot;introduced a friend&quot; alone does not replace all elements of the crime. Further investigation is needed.<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Is it an isolated incident?<\/li><li>Has there been any ongoing recruitment?<\/li><li>Did you receive the money?<\/li><li>Are you aware of the entire fundraising plan?<\/li><li>Was any promise made regarding compensation?<\/li><\/ul><\/div>\n<p>Did you provide assistance in processing the investment funds?<\/p><\/section>\n<section id=\"agent-section-5\"><h2>5. Does receiving commission necessarily violate banking laws?<\/h2><p>A conviction cannot be based solely on commission rates. Commission rates are important evidence because they may indicate an economic interest between the individual and the funds raised. However, further confirmation is still needed.<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>How are commissions calculated?<\/li><li>You get it just by introducing one person?<\/li><li>Based on a percentage of the amount raised?<\/li><li>Receive it monthly?<\/li><li>Is there a base salary?<\/li><li>Should I manage my downline?<\/li><li>Is payment only received upon successful transaction?<\/li><\/ul><\/div>\n<p>Does the commission correspond to legitimate work, or actual participation in illegal fundraising activities? <strong>The commission is evidence, not a complete criminal conviction.<\/strong><\/p><\/section>\n<section id=\"agent-section-6\"><h2>6. Does not receiving a commission mean everything is fine?<\/h2><p>No, not necessarily. For example, a company manager: Although he doesn&#039;t take a commission on every transaction, he might:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Design a fundraising plan;<\/li><li>Training services;<\/li><li>Determines the profit;<\/li><li>Review investment contracts;<\/li><li>Managing funds;<\/li><\/ul><\/div>\n<p>Hosting the briefing. This situation cannot be exempted from criminal liability simply because there is &quot;no commission schedule.&quot; Therefore, what truly matters is not whether there is a single form of compensation, but rather: <strong>Actual participation behavior.<\/strong><\/p><\/section>\n<section id=\"agent-section-7\"><h2>VII. What is a joint principal offender?<\/h2><p>In criminal cases, if several people share a common criminal intent and jointly participate in the criminal act, it may involve...<a href=\"https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?pcode=C0000001\" target=\"_blank\" rel=\"noopener\">joint offender<\/a>The problem. In cases of illegal fundraising, the prosecution may argue:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>The person in charge is responsible for the design plan;<\/li><li>The supervisor establishes business procedures;<\/li><li>The sales team is responsible for attracting clients.<\/li><li>The finance department is responsible for receiving and disbursing revenue.<\/li><\/ul><\/div>\n<p>Different individuals may have different roles in completing the entire fundraising scheme. However, the existence of a division of labor does not automatically mean that everyone knew about and accepted the entire criminal scheme. It is crucial to confirm: the scope of the criminal facts known to each individual; their individual actions; and whether they shared a common criminal intent.<\/p><\/section>\n<section id=\"agent-section-8\"><h2>8. In what circumstances might an act be considered aiding and abetting, rather than being a joint principal offender?<\/h2><p>Different levels of involvement may result in different criminal assessments. For example, someone who was not a decision-maker in the scheme, nor did they jointly control the entire fundraising effort, but knowingly provided specific assistance to others who were committing a crime, may require further analysis of the criminal law.<a href=\"https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?pcode=C0000001\" target=\"_blank\" rel=\"noopener\">aiding and abetting<\/a>Problem. However: Joint perpetrators; accomplices; even those who have not committed a crime cannot be directly classified based solely on professional titles. Judgment should be based on actual evidence.<\/p><\/section>\n<section id=\"agent-section-9\"><h2>9. Is it useful for a salesperson to say, &quot;The company told me this is legal&quot;?<\/h2><p>It may have evidentiary value, but it depends on the specific circumstances. For example, the company has:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Formal education and training;<\/li><li>Legal advice;<\/li><li>Accountant&#039;s explanation;<\/li><li>Lawyer review;<\/li><li>The supervisor informed;<\/li><\/ul><\/div>\n<p>Business operations are conducted according to official documents. These factors may influence an individual&#039;s perception of the legality of the plan. However, if an individual already knew that: the company was not actually operating; all revenue was paid from new funds; the plan had significant irregularities, yet continued to solicit clients, the legal evaluation might differ. Therefore, &quot;the supervisor&#039;s statement that it&#039;s legal&quot; does not absolve one of absolute liability. However, how subjective perception is formed remains a crucial fact in the case.<\/p><\/section>\n<section id=\"agent-section-10\"><h2>10. Does it help if the salesperson is also an investor?<\/h2><p>It could be an important background factor, but it doesn&#039;t solely determine the outcome. Investing significant funds oneself might support the claim that one genuinely believes it&#039;s a real investment. However, the prosecution might still ask further questions:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Did you learn of any other information later?<\/li><li>Have you been continuously recruiting?<\/li><li>How much commission do I receive?<\/li><li>Have you started to get involved in the company&#039;s internal operations?<\/li><\/ul><\/div>\n<p>Therefore, it should be established that:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Investment timeframe;<\/li><li>Investment amount;<\/li><li>Recruiting time;<\/li><li>Start date of employment;<\/li><\/ul><\/div>\n<p>A complete timeline of when company information was obtained.<\/p><\/section>\n<section id=\"agent-section-11\"><h2>11. If someone starts as an investor but later becomes a businessperson, how is responsibility determined?<\/h2><p>This is a very common scenario in large-scale money laundering cases. One person might:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>The first year was just about being an investor;<\/li><li>Later, because he thought the returns were good, he started introducing it to his friends;<\/li><li>It later became a formal business.<\/li><\/ul><\/div>\n<p>Later, I became a supervisor. At this point, I couldn&#039;t use the same role for all periods. I should break it down chronologically.<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>When do we know what?<\/li><li>When to start recruiting;<\/li><li>When to start receiving commissions;<\/li><li>When to start managing other people;<\/li><\/ul><\/div>\n<p>When did you obtain the internal information? <strong>The roles may change over time.<\/strong><\/p><\/section>\n<section class=\"fd-agent-flow-block fd-agent-structured\"><h3>Character Timeline<\/h3><ol><li>Investors<\/li><li>Introduction<\/li><li>Formal business<\/li><li>Become a supervisor<\/li><\/ol><p>Roles can change over time; what one knows and does in each period should be checked separately.<\/p><\/section>\n<section id=\"agent-section-12\"><h2>12. What&#039;s the difference between introducing only one or two friends and doing business with them long-term?<\/h2><p>There isn&#039;t a fixed legal figure: &quot;Introducing two people makes you innocent, while introducing three makes you guilty.&quot; However, the scale of the activity is still very important. For example:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>I casually mentioned my investment to a relative or friend;<\/li><li>No commission;<\/li><li>No business identity;<\/li><\/ul><\/div>\n<p>There was no further management. And:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Recruiting on a fixed daily basis;<\/li><li>There are KPIs;<\/li><li>Commission is available;<\/li><li>Leading a team;<\/li><li>Host the briefing;<\/li><\/ul><\/div>\n<p>The evidence structure for managing investors is completely different.<\/p><\/section>\n<section id=\"agent-section-13\"><h2>13. If we simply bring the investors to the company and have a supervisor explain things, will we still be held liable?<\/h2><p>We need to see the entire process. The investigation may confirm:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Who should make the first contact?<\/li><li>Who invited you?<\/li><li>Who will present the solution?<\/li><li>Have I supplemented my income and principal?<\/li><li>Will a contract be signed?<\/li><li>Will you assist with collecting payments afterward?<\/li><li>Did you receive any commission?<\/li><\/ul><\/div>\n<p>The fact that the final presentation was given by the supervisor does not automatically exclude the involvement of other presenters. Similarly, being present at the briefing does not automatically equate to being an accomplice.<\/p><\/section>\n<section id=\"agent-section-14\"><h2>14. Is it important that the salesperson doesn&#039;t know where the company&#039;s money actually goes?<\/h2><p>It&#039;s very important, but it depends on the specific details of the alleged crime. Frontline staff may only know:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Investment plan;<\/li><li>income;<\/li><li>contract;<\/li><\/ul><\/div>\n<p>The customer was unaware that:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Company&#039;s actual account;<\/li><li>Fund allocation;<\/li><li>Subsequent investment;<\/li><\/ul><\/div>\n<p>Internal finances. If the prosecution attributes the financial problems known to the person in charge directly to general business operations, then evidence is needed to explain why that business person knew about them. However, on the other hand, if internal communications show that a business person knew about the company&#039;s serious financial problems but continued to solicit business with contradictory information, the situation may be different.<\/p><\/section>\n<section id=\"agent-section-15\"><h2>15. Commission schedules are usually very important documents.<\/h2><p>Large banking law cases often involve:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Business list;<\/li><li>Recommender;<\/li><li>Referral fee;<\/li><li>Commission table;<\/li><li>Bonus system;<\/li><\/ul><\/div>\n<p>Team hierarchy. This information can help confirm:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Who recruited whom;<\/li><li>How many were recruited?<\/li><li>How much economic benefit was obtained;<\/li><\/ul><\/div>\n<p>Does the business organization exist? However, each transaction should still be verified individually.<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Is the table correct?<\/li><li>Did you actually receive the commission?<\/li><li>Nature of the payment;<\/li><li>Who made it;<\/li><\/ul><\/div>\n<p>Whether there was any commission refund or other irregularities. A criminal determination cannot be made solely based on the appearance of a name in Excel.<\/p><\/section>\n<section id=\"agent-section-16\"><h2>16. If an investor identifies &quot;he&#039;s the one who asked me to invest,&quot; is that necessarily true?<\/h2><p>No. Investor testimonies are very important, but they still need to be compared:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>LINE;<\/li><li>Email;<\/li><li>recording;<\/li><li>briefing;<\/li><li>contract;<\/li><li>money transfer;<\/li><\/ul><\/div>\n<p>Other witnesses. For example, an investor might say, &quot;The business guarantees the safety of your principal.&quot; But the written record left by the business entity might be completely different, or even the opposite. Therefore: <strong>Witness testimony should be cross-referenced with objective evidence.<\/strong><\/p><\/section>\n<section id=\"agent-section-17\"><h2>17. If someone in the group talks about &quot;guaranteed principal and guaranteed profit&quot;, will it be very detrimental to the salesperson?<\/h2><p>This could be very disadvantageous. Especially if the person themselves makes this public statement:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Guarantee the principal;<\/li><li>Fixed income;<\/li><li>You&#039;re guaranteed to make money;<\/li><\/ul><\/div>\n<p>Completely risk-free. These statements may directly affect: my understanding of fundraising models and: actual recruitment methods. Therefore, after a company incident, do not: delete groups; retrieve messages; modify conversations. The original, complete conversations are the true evidence that needs to be analyzed in the case.<\/p><\/section>\n<section id=\"agent-section-18\"><h2>18. The company briefing itself states &quot;break-even&quot;, but the salesperson just reads it aloud?<\/h2><p>Individual analysis is still needed. This may involve:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>What information did the company provide?<\/li><li>Does the business have the right to modify it?<\/li><li>How does the business owner understand it?<\/li><li>Did you ask your supervisor?<\/li><li>Is there any contradictory information?<\/li><\/ul><\/div>\n<p>Whether or not they added their own commitments. Therefore, they cannot simply conclude their defense with: &quot;I was just reading it aloud.&quot; However: Company-produced materials may also be important evidence distinguishing the responsibilities of the decision-making and execution levels.<\/p><\/section>\n<section id=\"agent-section-19\"><h2>19. Why are the responsibilities of a business manager usually more complex than those of a general business manager?<\/h2><p>Because the business manager may not be recruiting alone. They may also:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Train subordinates;<\/li><li>Develop a script;<\/li><li>Set KPIs;<\/li><li>Distribute commissions;<\/li><li>Chair the meeting;<\/li><li>The company shall return the amount raised;<\/li><\/ul><\/div>\n<p>Managing client issues. These could all be considered by prosecutors as crucial evidence of involvement in the overall fundraising scheme. Therefore, managers cannot simply dismiss all risks with, &quot;I&#039;m just getting a salary.&quot;<\/p><\/section>\n<section id=\"agent-section-20\"><h2>20. Why might a finance staff member be investigated even if they did not solicit investment?<\/h2><p>The finance department may have the following information:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Investor funds;<\/li><li>Payment of remuneration;<\/li><li>Refund;<\/li><li>commission;<\/li><li>account;<\/li><\/ul><\/div>\n<p>The company&#039;s true financial situation. Although he may not have directly solicited investors, prosecutors may investigate whether he knowingly assisted in the execution of the overall illegal scheme. Similarly, it is necessary to distinguish between simply following instructions to make deposits or payments and knowingly and jointly participating in the crime.<\/p><\/section>\n<section id=\"agent-section-21\"><h2>21. Is the person who holds a bank account necessarily an accomplice?<\/h2><p>No. The account could be:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>I am in control;<\/li><li>Lend to the company;<\/li><li>The company requires its use;<\/li><\/ul><\/div>\n<p>It is under the actual control of another person. It should be confirmed that:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Who keeps the passbook?<\/li><li>Who controls online banking?<\/li><li>Who decides to make the payment;<\/li><li>Do I know the source of the funds?<\/li><\/ul><\/div>\n<p>Whether a benefit was obtained. Simply stating that the account name belongs to someone is not a complete criminal analysis.<\/p><\/section>\n<section id=\"agent-section-22\"><h2>22. If investors suffer significant losses, will it make it easier for the court to find the business guilty?<\/h2><p>The magnitude of the loss may affect the overall context of the case, but it cannot replace the elements of a crime committed by each defendant. Whether a salesperson committed a crime still needs to be examined: their subjective intent; their solicitation activities; and the degree of their involvement. The damages cannot be equally distributed among all employees simply because the entire company suffered significant losses.<\/p><\/section>\n<section id=\"agent-section-23\"><h2>23. Given the severity of the penalties under Article 125 of the Banking Law, could salespersons also face the same statutory penalties?<\/h2><p>If deemed to have jointly participated in a violation<a href=\"https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?PCode=G0380001\" target=\"_blank\" rel=\"noopener\">Article 29 of the Banking Law<\/a>crimes, <a href=\"https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?PCode=G0380001\" target=\"_blank\" rel=\"noopener\">Article 125 of the Banking Law<\/a>This is indeed a very severe criminal provision. The current basic sentence is imprisonment for 3 to 10 years. If the crime results in the acquisition of property or financial gain exceeding 100 million yuan, the statutory sentence is 7 years or more. However, how this applies to individual salespersons must be confirmed first.<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>The crime is established;<\/li><li>Scope of joint crimes;<\/li><li>Amount;<\/li><\/ul><\/div>\n<p>Issues such as one&#039;s own role are relevant. One cannot simply apply the total amount raised by the entire company to each individual business unit without any analysis.<\/p><p>Fundraising methods involve<a href=\"https:\/\/law.moj.gov.tw\/LawClass\/LawAll.aspx?PCode=G0380001\" target=\"_blank\" rel=\"noopener\">Article 29-1 of the Banking Law<\/a>When making a judgment, the fundraising model and the scope of the individual&#039;s participation should still be confirmed separately; for further reading on substantive requirements, please refer to the following article.<a href=\"https:\/\/fdlaw.com.tw\/en\/blog\/banking-act-illegal-fundraising-defense\/\">Elements of Illegal Fundraising under Banking Law and Criminal Defense<\/a>.<\/p><\/section>\n<section id=\"agent-section-24\"><h2>24. If the entire company absorbs 1 billion yuan, does the general business also necessarily count as 1 billion yuan?<\/h2><p>This conclusion cannot be drawn without legal analysis. Further confirmation is needed.<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>The scope of the defendant&#039;s involvement in the crime;<\/li><li>Scope of shared criminal intent;<\/li><li>How should the facts of the crime be determined?<\/li><\/ul><\/div>\n<p>How is the acquisition of property or profit through crime calculated under the law? This is also one of the reasons why, in large-scale fraud cases, general business operations and core operators often need to be handled individually.<\/p><\/section>\n<section id=\"agent-section-25\"><h2>25. What should a salesperson absolutely not do after the company is searched?<\/h2><p>don&#039;t want:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Delete LINE;<\/li><li>Delete customer from list;<\/li><li>Clear your records after leaving the investment group;<\/li><li>Contact other business departments for a unified response;<\/li><li>Ask the investors to help revise the wording;<\/li><li>Create replacement files that were not previously available;<\/li><\/ul><\/div>\n<p>Transferring commissions or related documents. These actions may increase: evidence collusion; evidence destruction; and even the risk of detention.<\/p><\/section>\n<section id=\"agent-section-26\"><h2>26. Is it possible for a salesperson to be detained?<\/h2><p>Possibly. Whether or not detention should be requested still needs to be determined according to the Criminal Procedure Law:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Suspected of a crime;<\/li><li>escape;<\/li><li>Serial certificates;<\/li><li>Destroy evidence;<\/li><\/ul><\/div>\n<p>Necessity of detention. If the business involves:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Managing a large number of offline users;<\/li><li>Still controls the investors;<\/li><li>Possesses a large amount of company information;<\/li><\/ul><\/div>\n<p>Contacting witnesses after a search may carry higher procedural risks. Conversely, a salesperson with limited authority who has had important documents seized may face different detention assessments. Further reading: <a href=\"https:\/\/fdlaw.com.tw\/en\/blog\/banking-act-detention-bail-defense\/\">Defense and offense in banking law cases involving search, detention, custody, and bail.<\/a>.<\/p><\/section>\n<section id=\"agent-section-27\"><h2>27. Upon receiving a notification from the investigation bureau, what should the salesperson prepare first?<\/h2><p>At least organize:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>When did I join the company?<\/li><li>Whether or not they were originally investors;<\/li><li>job title;<\/li><li>Salary;<\/li><li>Commission system;<\/li><li>How many investors were introduced?<\/li><li>lump sum;<\/li><li>What materials does the company provide?<\/li><li>What I said to the investors;<\/li><li>Does it manage other business operations?<\/li><li>Did you access the company account?<\/li><li>Were you involved in designing the investment plan?<\/li><li>Date of departure;<\/li><\/ul><\/div>\n<p>What original information is currently retained? This data can be used to build: <strong>Personal role timeline.<\/strong><\/p><p>It has already happened<a href=\"https:\/\/fdlaw.com.tw\/en\/blog\/company-investigation-bureau-summons-search\/\">The company was searched or questioned by the investigation bureau.<\/a>In such cases, this personal data compilation can help clarify procedural and evidentiary issues at the outset.<\/p><\/section>\n<section id=\"agent-section-28\"><h2>28. Don&#039;t answer questions for the company that you don&#039;t know the answers to.<\/h2><p>For example, if an investigator asks, &quot;Why did the company design this investment plan?&quot;, don&#039;t guess just to make the answer sound complete if you generally don&#039;t know the answer. Explain precisely:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>The scope of one&#039;s own responsibility;<\/li><li>The source of knowledge;<\/li><li>What information is only provided by the company?<\/li><\/ul><\/div>\n<p>What things have I never encountered before? <strong>Don&#039;t turn the company&#039;s knowledge into your own.<\/strong><\/p><\/section>\n<section id=\"agent-section-29\"><h2>29. Don&#039;t answer &quot;I don&#039;t know&quot; to everything.<\/h2><p>If objective data shows:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>I will be hosting the briefing session;<\/li><li>Sending briefings;<\/li><li>Receive commission;<\/li><\/ul><\/div>\n<p>Continuously contacting investors but consistently answering &quot;I don&#039;t know&quot; to everything can also damage credibility. A truly effective response should be: precisely state what you know; clearly explain why you don&#039;t know what you don&#039;t know; and avoid guessing if documentation is required to answer.<\/p><\/section>\n<section id=\"agent-section-30\"><h2>30. In banking law cases involving multiple parties, the most crucial element is &quot;role separation.&quot;<\/h2><p>The most dangerous aspect of large-scale money laundering schemes is that they involve:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>company;<\/li><li>Person in charge;<\/li><li>manager;<\/li><li>business;<\/li><li>Introducer;<\/li><li>finance;<\/li><\/ul><\/div>\n<p>All investors were involved in what was described as a &quot;money-sucking ring.&quot; However, criminal liability must be placed on the individuals. Therefore, the case needs to establish:<\/p>\n<div class=\"fd-agent-structured fd-agent-grid\"><ul><li>Role;<\/li><li>period;<\/li><li>Recruit;<\/li><li>commission;<\/li><li>funds;<\/li><li>Permissions;<\/li><li>Information scope;<\/li><\/ul><\/div>\n<p>A complete matrix of subjective perceptions. This is also one of the most important defense tasks in multi-person banking law cases.<\/p><p>In cases involving multiple individuals, the roles, time periods, financial flows, and evidence comparison are crucial.<a href=\"https:\/\/fdlaw.com.tw\/en\/financial-crime-defense\/\">Defense in major financial criminal cases<\/a>Important tasks; when it involves the company&#039;s internal division of labor and authority, then it is handled by...<a href=\"https:\/\/fdlaw.com.tw\/en\/corporate-criminal\/\">Corporate Criminal and White-Collar Criminal Lawyers<\/a>An analysis of the integration of corporations and criminal liability.<\/p><\/section>\n<section class=\"fd-agent-faq\"><h2>FAQ<\/h2><details><summary>Is it against banking law to simply introduce a friend to invest?<\/summary><p>Not necessarily. It needs to be confirmed whether it was just an occasional introduction, whether commissions were charged, whether the fundraising model was known, whether any promises were made regarding returns or principal, and whether the company continued to participate in other solicitation activities.<\/p><\/details><details><summary>Does receiving a referral fee automatically make someone a co-principal offender in illegal fundraising?<\/summary><p>Not necessarily. Commissions are important evidence, but it is still necessary to determine whether the individual had the intent to commit a crime and the extent of their actual participation. A crime cannot be determined solely based on the presence or absence of commissions.<\/p><\/details><details><summary>I also invested a lot of money myself. Can you prove that I didn&#039;t know the company was breaking the law?<\/summary><p>This may be a favorable factor, but it does not automatically absolve one of liability. It is still necessary to confirm the timing of the investment and solicitation, what company information the individual subsequently obtained, and their subjective understanding during the ongoing solicitation.<\/p><\/details><details><summary>The company told me this was a legal investment, and I was just following the presentation. Am I guilty of anything?<\/summary><p>It needs to be determined on a case-by-case basis. The information provided by the company, the training provided, and the individual&#039;s information may affect the subjective intent; however, if there is other evidence showing that the individual knew that the fundraising model had serious illegal issues, the legal evaluation may be different.<\/p><\/details><details><summary>Are the criminal liabilities of general business personnel and business supervisors the same?<\/summary><p>Not necessarily. Business managers may also be involved in team management, training scripts, commission systems, information sessions, or fundraising management. Each person&#039;s authority and level of involvement must be analyzed individually.<\/p><\/details><details><summary>Can someone who only handles financial payments and doesn&#039;t solicit investment still become a defendant?<\/summary><p>There is a possibility of investigation. It depends on whether they were aware of the overall criminal pattern and participated in its execution, or whether they were simply handling funds in the course of their duties.<\/p><\/details><details><summary>If a bank raises 1 billion yuan, is its general business always calculated at 1 billion yuan?<\/summary><p>Such a conclusion cannot be drawn without legal analysis. The scope of joint crime, individual participation, calculation of proceeds or profits, and specific facts of the crime must be confirmed.<\/p><\/details><details><summary>After receiving the notification from the investigation bureau, can I first ask my colleagues how they responded?<\/summary><p>Coordinated testimonies are not recommended. In cases involving multiple individuals under banking law, this could increase concerns about collusion. You should first preserve your original documents and individually verify your own duties, actions, and scope of information.<\/p><\/details><\/section><\/div>\n\n<section class=\"fdlaw-related-posts\"><h2 class=\"fdlaw-related-posts__title\">Further reading<\/h2><div class=\"fdlaw-related-posts__grid\"><a class=\"fdlaw-related-card\" href=\"https:\/\/fdlaw.com.tw\/en\/blog\/banking-act-illegal-fundraising-defense\/\"><div class=\"fdlaw-related-card__image\"><img width=\"768\" height=\"429\" src=\"https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_cm6lgqcm6lgqcm6l-768x429.jpeg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" loading=\"lazy\" decoding=\"async\" sizes=\"auto, (max-width: 767px) calc(100vw - 40px), (max-width: 1100px) 45vw, 520px\" srcset=\"https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_cm6lgqcm6lgqcm6l-768x429.jpeg 768w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_cm6lgqcm6lgqcm6l-300x167.jpeg 300w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_cm6lgqcm6lgqcm6l-1024x572.jpeg 1024w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_cm6lgqcm6lgqcm6l-1536x857.jpeg 1536w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_cm6lgqcm6lgqcm6l-2048x1143.jpeg 2048w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_cm6lgqcm6lgqcm6l-18x10.jpeg 18w\" title=\"\"><\/div><div class=\"fdlaw-related-card__body\"><h3 class=\"fdlaw-related-card__title\">What to do if accused of illegally raising funds under banking laws? First, analyze the fundraising targets, compensation, cash flow, and the individual&#039;s role.<\/h3><p class=\"fdlaw-related-card__excerpt\">What to do if you&#039;re charged with illegal fundraising under banking laws? First, break down the fundraising targets, compensation, cash flow, and your personal role. Illegal fundraising cases under banking laws aren&#039;t simply a matter of seeing &quot;someone transferring money.&quot; First, confirm the legal relationship of the funds: investment, loan, equity, commodity transaction, etc.<\/p><span class=\"fdlaw-related-card__more\">Read the full article \u2192<\/span><\/div><\/a><a class=\"fdlaw-related-card\" href=\"https:\/\/fdlaw.com.tw\/en\/blog\/banking-act-detention-bail-defense\/\"><div class=\"fdlaw-related-card__image\"><img width=\"768\" height=\"429\" src=\"https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_hra964hra964hra9-768x429.jpeg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" loading=\"lazy\" decoding=\"async\" sizes=\"auto, (max-width: 767px) calc(100vw - 40px), (max-width: 1100px) 45vw, 520px\" srcset=\"https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_hra964hra964hra9-768x429.jpeg 768w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_hra964hra964hra9-300x167.jpeg 300w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_hra964hra964hra9-1024x572.jpeg 1024w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_hra964hra964hra9-1536x857.jpeg 1536w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_hra964hra964hra9-2048x1143.jpeg 2048w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_hra964hra964hra9-18x10.jpeg 18w\" title=\"\"><\/div><div class=\"fdlaw-related-card__body\"><h3 class=\"fdlaw-related-card__title\">What to do if someone is detained in a case involving illegal fundraising under the Banking Law? First, analyze the reasons for escape, collusion, destruction of evidence, and the necessity of detention.<\/h3><p class=\"fdlaw-related-card__excerpt\">BANKING ACT \u00b7 DETENTION &amp; BAIL DEFENSE What to do if you are detained in a banking law case involving illegal fundraising? First, dismantle the charges of escape, collusion, destruction of evidence, and the necessity of detention. When faced with a detention charge in a banking law case, don&#039;t just ask &quot;how severe is the punishment?&quot; First, confirm which reason the prosecution is arguing for detention: escape\u2026<\/p><span class=\"fdlaw-related-card__more\">Read the full article \u2192<\/span><\/div><\/a><a class=\"fdlaw-related-card\" href=\"https:\/\/fdlaw.com.tw\/en\/blog\/company-investigation-bureau-summons-search\/\"><div class=\"fdlaw-related-card__image\"><img width=\"768\" height=\"419\" src=\"https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_hsidb8hsidb8hsid-768x419.jpeg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" loading=\"lazy\" decoding=\"async\" sizes=\"auto, (max-width: 767px) calc(100vw - 40px), (max-width: 1100px) 45vw, 520px\" srcset=\"https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_hsidb8hsidb8hsid-768x419.jpeg 768w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_hsidb8hsidb8hsid-300x164.jpeg 300w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_hsidb8hsidb8hsid-1024x559.jpeg 1024w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_hsidb8hsidb8hsid-1536x838.jpeg 1536w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_hsidb8hsidb8hsid-2048x1117.jpeg 2048w, https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/09\/Gemini_Generated_Image_hsidb8hsidb8hsid-18x10.jpeg 18w\" title=\"\"><\/div><div class=\"fdlaw-related-card__body\"><h3 class=\"fdlaw-related-card__title\">What to do if your company&#039;s management is summoned by the investigation bureau or your company is searched? First, organize your decision-making, accounts, and cash flow.<\/h3><p class=\"fdlaw-related-card__excerpt\">When a company&#039;s head, director, or executive suddenly receives a notification from the investigation bureau, the first thing they should do is not rush to guess what crime they have committed, nor rely solely on memory to give a statement. Instead, they should first confirm their legal status, the transactions or events under investigation, whether other executives have been interviewed, and the relevant documents such as contracts, ledgers, bank statements, emails, and company decision-making records\u2026<\/p><span class=\"fdlaw-related-card__more\">Read the full article \u2192<\/span><\/div><\/a><\/div><\/section>\n\n\n<div class=\"fd-bank-agent\"><section class=\"fd-agent-cta fd-agent-structured final\"><h2>In banking law cases involving multiple individuals, the label of &quot;money-sucking group&quot; cannot supersede individual responsibility.<\/h2><p>The information, authority, and level of involvement of the person in charge, business manager, general business, introducer, and investor may be completely different. If you have been searched, questioned, detained, or prosecuted, you can first establish your personal roles and timelines, and then compare the solicitation, commissions, cash flow, and subjective perceptions one by one.<\/p><div class=\"fd-agent-buttons\"><a class=\"fd-agent-button\" href=\"https:\/\/line.me\/ti\/p\/@723pifhz\" target=\"_blank\" rel=\"noopener\">LINE Inquiry into Banking Law Cases<\/a><a class=\"fd-agent-button secondary\" href=\"https:\/\/fdlaw.com.tw\/en\/banking-law-criminal-defense\/\">Specialized services for major criminal cases related to banking law<\/a><\/div><\/section><\/div>","protected":false},"excerpt":{"rendered":"<p>\u9280\u884c\u6cd5\u8207\u975e\u6cd5\u5438\u91d1\uff5c\u696d\u52d9\u54e1\u3001\u4ecb\u7d39\u4eba\u8207\u500b\u4eba\u8cac\u4efb \u53ea\u662f\u696d\u52d9\u54e1\u3001\u4ecb\u7d39\u4eba\u6216\u9818\u4f63\u91d1\uff0c\u4e5f\u6703\u8b8a\u6210\u975e\u6cd5\u5438\u91d1\u5171\u540c\u88ab\u544a\u55ce\uff1f \u4f5c\u8005\uff1a\u674e [&hellip;]<\/p>","protected":false},"author":4,"featured_media":12697,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"qubely_global_settings":"","qubely_interactions":"","footnotes":""},"categories":[77,136],"tags":[],"class_list":["post-12679","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-taipei-criminal-lawyer","category-commercial-law"],"blocksy_meta":{"page_structure_type":"type-4","has_hero_section":"disabled"},"qubely_featured_image_url":{"full":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-scaled.jpeg",2560,1429,false],"landscape":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-1200x750.jpeg",1200,750,true],"portraits":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-540x320.jpeg",540,320,true],"thumbnail":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-150x150.jpeg",150,150,true],"medium":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-300x167.jpeg",300,167,true],"medium_large":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-768x429.jpeg",768,429,true],"large":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-1024x572.jpeg",1024,572,true],"1536x1536":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-1536x857.jpeg",1536,857,true],"2048x2048":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-2048x1143.jpeg",2048,1143,true],"trp-custom-language-flag":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-18x10.jpeg",18,10,true],"qubely_landscape":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-1200x750.jpeg",1200,750,true],"qubely_portrait":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-540x320.jpeg",540,320,true],"qubely_thumbnail":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/10\/Gemini_Generated_Image_x13unkx13unkx13u-140x100.jpeg",140,100,true]},"qubely_author":{"display_name":"\u674e\u80b2\u6607\u5f8b\u5e2b","author_link":"https:\/\/fdlaw.com.tw\/en\/author\/charles-lee\/"},"qubely_comment":0,"qubely_category":"<a href=\"https:\/\/fdlaw.com.tw\/en\/blog\/category\/taipei-criminal-lawyer\/\" rel=\"category tag\">\u5211\u6cd5\u53ca\u5211\u4e8b\u8a34\u8a1f<\/a> <a href=\"https:\/\/fdlaw.com.tw\/en\/blog\/category\/commercial-law\/\" rel=\"category tag\">\u5546\u6cd5<\/a>","qubely_excerpt":"\u9280\u884c\u6cd5\u8207\u975e\u6cd5\u5438\u91d1\uff5c\u696d\u52d9\u54e1\u3001\u4ecb\u7d39\u4eba\u8207\u500b\u4eba\u8cac\u4efb \u53ea\u662f\u696d\u52d9\u54e1\u3001\u4ecb\u7d39\u4eba\u6216\u9818\u4f63\u91d1\uff0c\u4e5f\u6703\u8b8a\u6210\u975e\u6cd5\u5438\u91d1\u5171\u540c\u88ab\u544a\u55ce\uff1f \u4f5c\u8005\uff1a\u674e&hellip;","_links":{"self":[{"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/posts\/12679","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/comments?post=12679"}],"version-history":[{"count":3,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/posts\/12679\/revisions"}],"predecessor-version":[{"id":12687,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/posts\/12679\/revisions\/12687"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/media\/12697"}],"wp:attachment":[{"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/media?parent=12679"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/categories?post=12679"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/tags?post=12679"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}