{"id":9743,"date":"2026-06-20T21:23:12","date_gmt":"2026-06-20T13:23:12","guid":{"rendered":"https:\/\/fdlaw.com.tw\/?p=9743"},"modified":"2026-09-22T20:00:51","modified_gmt":"2026-09-22T12:00:51","slug":"dummy-account","status":"publish","type":"post","link":"https:\/\/fdlaw.com.tw\/en\/blog\/dummy-account\/","title":{"rendered":"Is it a crime to unknowingly provide an account? The intent and key evidence in aiding and abetting fraud and money laundering."},"content":{"rendered":"<style>\n.fd-defense{font-family:inherit;color:#243449;line-height:1.9}.fd-defense *{box-sizing:border-box}.fd-defense h2{margin:38px 0 16px;padding:14px 18px;border-left:4px solid #1f5f8b;border-bottom:1px solid #d9e5ee;background:#f7fbff;color:#17384f;font-size:25px;line-height:1.45}.fd-defense p{font-size:17px;line-height:1.95;margin:0 0 18px}.fd-defense a{color:#145da0;text-decoration:underline;text-underline-offset:3px}.fd-defense-hero{padding:26px 28px;margin:0 0 28px;border:1px solid #d8e3ee;border-radius:8px;background:linear-gradient(180deg,#f7fbff,#fff);box-shadow:0 10px 26px rgba(18,43,72,.06)}.fd-defense-hero h2{margin:0 0 14px;padding:0;border:0;background:none;font-size:27px}.fd-three{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin-top:18px}.fd-three div{padding:17px;border:1px solid #dbe3eb;border-radius:6px;background:#fff}.fd-three strong{display:block;color:#17384f;margin-bottom:5px}.fd-factors{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:18px 0}.fd-factors div{padding:15px 17px;border-left:3px solid #a87828;background:#faf8f4}.fd-note{padding:18px 20px;border:1px solid #d9e5ee;border-radius:6px;background:#f7f9fb}.fd-cta{margin:30px 0 0;padding:22px 24px;border:1px solid #d9c49c;border-radius:8px;background:#fffaf0}@media(max-width:720px){.fd-defense-hero,.fd-cta{padding:20px 18px}.fd-three,.fd-factors{grid-template-columns:1fr}.fd-defense h2{font-size:22px}}\n<\/style>\n<article class=\"fd-defense\">\n<section class=\"fd-defense-hero\"><h2>The core issue with unsuspecting nominee accounts is not whether the accounts were used, but rather &quot;why they were provided, what they knew at the time, and what evidence can prove them.&quot;<\/h2><p>The fact that an account was used by a fraud ring does not automatically mean that the account holder was aiding and abetting fraud or money laundering; however, simply claiming ignorance is insufficient to rule out criminal intent. Investigations and trials will consider the reasons for handing over the account, the other party&#039;s rhetoric, compensation, control, financial transactions, and subsequent reactions within the same timeline.<\/p><div class=\"fd-three\"><div><strong>WHY<\/strong>Why provide an account? Is it for job hunting, loans, making friends, investing, or some other specific reason?<\/div><div><strong>WHAT YOU KNEW<\/strong>What did you know at the time of delivery? Were there any unusual warnings or investigations?<\/div><div><strong>OBJECTIVE EVIDENCE<\/strong>What conversations, advertisements, mailings, transactions, lost or stolen documents, or police reports can be verified?<\/div><\/div><\/section>\n<h2>How do courts and prosecutors determine whether someone &quot;knew or not&quot;?<\/h2>\n<p>Subjective intent cannot usually be determined solely by a statement from the party involved; prosecutors and courts will infer it from external facts. First, they will examine whether the reason for providing the account is specific and reasonable, such as whether there is a genuine job opening, loan application, transaction, or friendship context. Second, they will examine whether the other party&#039;s identity is verifiable, whether the language used is obviously abnormal, and whether the party involved had sufficient time and ability to perceive the risk.<\/p>\n<div class=\"fd-factors\"><div><strong>Reason for providing:<\/strong>Are there genuine needs, formal procedures, and corresponding documents?<\/div><div><strong>Identity of the other party:<\/strong>Can the company, platform, or personal information be verified?<\/div><div><strong>Abnormal communication techniques:<\/strong>Whether to request embellished cash flow, test accounts, or avoid bank inquiries.<\/div><div><strong>remuneration:<\/strong>Whether or not account rental fees, commissions, daily wages or other consideration are received.<\/div><div><strong>Number of accounts and control:<\/strong>Does it provide multiple accounts, debit cards, passwords, online banking, or OTP?<\/div><div><strong>Withdrawals, transfers, and subsequent reactions:<\/strong>Did you participate in the cash flow? If you discovered any abnormalities, did you immediately report the loss, notify the bank, call 165, or file a police report?<\/div><\/div>\n<p>These factors need to be assessed holistically. The absence of payment may be advantageous, but it cannot prove ignorance on its own; handing over a debit card does not necessarily equate to guilt, but if the password, online banking information, and verification code are provided simultaneously, and the other party&#039;s identity is unknown, a more complete explanation is needed as to why the person was trusted at the time.<\/p>\n<h2>If you&#039;ve been scammed out of your bank account while job hunting, applying for a loan, or making friends, what evidence is most important?<\/h2>\n<p>For job-related cases, you should save the job posting, the application platform page, the company name, the interview or start date notice, the salary explanation, and the complete conversation about why the other party requested an account or debit card. For loan cases, you should save the loan application form, the interest rate and credit limit explanation, the financial institution or agency claimed by the other party, the verification documents, and the scripts for &quot;packaging credit&quot; and &quot;beautifying cash flow&quot;.<\/p>\n<p>In friendship or investment situations, you should preserve the details of how you met the other person, their account information, how the relationship developed, screenshots of the investment platform, instructions for depositing and withdrawing funds, and the timeline of requests for collection of funds. If you sent a debit card or documents, you should keep the mailing slip, recipient&#039;s name, address, and logistics records. Even if the other person withdraws the message or the account disappears, you should still keep the existing screenshots, notification emails, and backup data.<\/p>\n<h2>Why is a full explanation still required if no payment was received and no funds were withdrawn?<\/h2>\n<p>Not receiving payment or personally withdrawing or transferring funds are usually important facts that need to be presented, but legal judgments go beyond just whether a profit was made or whether cash was handled. If a party hands over their debit card, PIN, online banking access, or OTP, allowing another person to gain complete control of the account, prosecutors may still question whether they foresaw the potential for misuse of the account and why they handed it over under unusual circumstances.<\/p>\n<p class=\"fd-note\">Therefore, a defense cannot stop at &quot;I didn&#039;t take the money.&quot; More importantly, it must specifically explain the basis of trust, the verification process, the scope of delivery, when control was lost, when the anomaly was detected, and how the damage was prevented after the discovery. The account must be consistent with objective data.<\/p>\n<h2>What information can help prove that you were also scammed?<\/h2>\n<p>Materials that can help document the process of being scammed include: complete messaging app conversations, job or loan advertisements, platform pages, company or identity information sent by the scammer, shipping receipts, bank transaction details, bank alerts or abnormal notifications, SMS messages, emails, call logs, time of reporting a lost item, 165 records, and a police report. If any relatives or friends heard you discussing job hunting, loan applications, or dating before the incident, you should also record the time and content that can be verified.<\/p>\n<p>When organizing data, it should be arranged chronologically to avoid selecting only those parts that are advantageous to you. Account names, dates, preceding and following messages, and transaction amounts and times should be cross-referenced. If data is lost, the reason for the loss and the process of attempting to recover or retrieve it should be explained; it is not advisable to fabricate content.<\/p>\n<h2>Is it possible to win a no-name account case or be acquitted?<\/h2>\n<p>Nominee account cases may indeed result in non-prosecution or acquittal due to insufficient evidence, lack of intent to aid fraud or money laundering; however, whether there is room for prosecution depends on the circumstances of the account being handed over, the degree of abnormality, the parties&#039; cognition and experience, control, involvement in the flow of funds, and subsequent reactions. One cannot predict the outcome solely based on &quot;I was also deceived&quot; or &quot;I did not receive any payment&quot;.<\/p>\n<p>If you have already received notification from the police, investigation station, or district prosecutor&#039;s office, you should first refer to...<a href=\"https:\/\/fdlaw.com.tw\/en\/blog\/dummy-account-fraud-money-laundering\/\">Emergency handling of dummy accounts after receiving notification from the police.<\/a>After confirming the handling agency, case number, involved accounts and cash flow, a decision is made on how to organize the evidence and statements.<\/p>\n<section class=\"fd-cta\"><p><a href=\"https:\/\/fdlaw.com.tw\/en\/criminal\/\">Nominee Accounts \/ Fraud Criminal Lawyer<\/a>Based on existing conversations, advertisements, mailings, and bank records, we can assist in examining which facts support the claim of being deceived and lack of intent, and which details still require verification or may be questioned by the investigating authorities. The lawyer&#039;s assessment and defense strategy must be based on the complete case file and cannot guarantee non-prosecution or acquittal.<\/p><\/section>\n<\/article>","protected":false},"excerpt":{"rendered":"<p>When a company is owed money, has bounced checks, or faces malicious delays in payment from customers, can it directly sue for fraud? This article, written by a lawyer, analyzes the boundaries between civil debt and criminal fraud, evidence collection, payment orders, false attachment, and the liability of responsible persons, assisting companies in recovering funds and reducing transaction risks, providing a comprehensive overview from immediate handling to sue strategies.<\/p>","protected":false},"author":1,"featured_media":9745,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"qubely_global_settings":"","qubely_interactions":"","footnotes":""},"categories":[77],"tags":[320,618],"class_list":["post-9743","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-taipei-criminal-lawyer","tag-320","tag-618"],"blocksy_meta":[],"qubely_featured_image_url":{"full":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189.jpg",599,406,false],"landscape":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189.jpg",599,406,false],"portraits":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189-540x320.jpg",540,320,true],"thumbnail":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189-150x150.jpg",150,150,true],"medium":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189-300x203.jpg",300,203,true],"medium_large":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189.jpg",599,406,false],"large":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189.jpg",599,406,false],"1536x1536":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189.jpg",599,406,false],"2048x2048":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189.jpg",599,406,false],"trp-custom-language-flag":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189-18x12.jpg",18,12,true],"qubely_landscape":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189.jpg",599,406,false],"qubely_portrait":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189-540x320.jpg",540,320,true],"qubely_thumbnail":["https:\/\/fdlaw.com.tw\/wp-content\/uploads\/2026\/06\/messageImage_1781961725189-140x100.jpg",140,100,true]},"qubely_author":{"display_name":"\u53f0\u5317\u5f8b\u5e2b\u63a8\u85a6","author_link":"https:\/\/fdlaw.com.tw\/en\/author\/admin\/"},"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>","qubely_excerpt":"\u516c\u53f8\u88ab\u6b20\u8ca8\u6b3e\u3001\u652f\u7968\u8df3\u7968\u6216\u5ba2\u6236\u60e1\u610f\u62d6\u6b3e\u6642\uff0c\u80fd\u4e0d\u80fd\u76f4\u63a5\u544a\u8a50\u6b3a\uff1f\u672c\u6587\u7531\u5f8b\u5e2b\u89e3\u6790\u6c11\u4e8b\u50b5\u52d9\u8207\u5211\u4e8b\u8a50\u6b3a\u754c\u7dda\u3001\u8b49\u64da\u8490\u96c6\u3001\u652f\u4ed8&hellip;","_links":{"self":[{"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/posts\/9743","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/comments?post=9743"}],"version-history":[{"count":5,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/posts\/9743\/revisions"}],"predecessor-version":[{"id":12216,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/posts\/9743\/revisions\/12216"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/media\/9745"}],"wp:attachment":[{"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/media?parent=9743"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/categories?post=9743"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fdlaw.com.tw\/en\/wp-json\/wp\/v2\/tags?post=9743"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}