Types of Fraud Charges in Texas

Fraud in Texas isn’t limited to one kind of offense—it spans a wide range of criminal acts, from credit card abuse and check fraud to insurance scams, identity theft, and government benefits fraud. Each type of fraud charge carries its own legal definition, required elements of proof, and potential penalties under the Texas Penal Code. Whether the fraud involves deception for money, property, or services, these charges are often felonies that can result in fines, restitution, and prison time. In this post, we break down the most common types of fraud prosecuted in Texas courts and explain what to expect if you’re under investigation. If you're facing fraud allegations, it’s critical to speak with an experienced attorney near you to protect your rights and mount a strong defense.

Types of Fraud Charges in Texas

Fraud is a broad legal category that covers a range of deceptive practices used to unlawfully obtain money, property, or services. In Texas, both state and federal statutes define and penalize different types of fraud, ranging from digital and financial crimes to medical and real estate-related offenses. This listicle provides a comprehensive breakdown of the most common fraud charges in Texas, complete with cross-references to in-depth articles on each subject.

1. Credit Card Fraud and Debit Card Abuse in Texas

Credit and debit card abuse is addressed under Texas Penal Code § 32.31, which covers unauthorized use, possession of counterfeit cards, and use of fictitious card numbers. These offenses are typically state jail felonies but can escalate depending on victim status (e.g., elderly victims).

2. Check Fraud and Forgery Charges Explained

Texas Penal Code § 32.41 criminalizes check fraud, while § 32.21 addresses forgery. Common conduct includes writing checks without sufficient funds, altering check amounts, and forging endorsements or financial documents.

See full details in Check Fraud and Forgery Charges Explained.

3. Insurance Fraud: Types, Penalties, and Common Cases

Insurance fraud under Texas Penal Code § 35.02 includes filing false claims, exaggerating losses, and staging accidents. Penalties escalate based on the value involved and may include federal implications when national insurers are affected.

Explore the nuances in Insurance Fraud: Types, Penalties, and Common Cases.

4. Identity Theft and Identity Fraud in Texas Law

Identity-related fraud is covered by Texas Penal Code § 32.51, which criminalizes the possession or use of another person's identifying information without consent. The number of items involved significantly affects the offense classification.

Dive deeper in Identity Theft and Identity Fraud in Texas Law.

5. Bank Fraud and Wire Fraud Offenses in Texas Courts

Bank fraud often overlaps with federal law, especially under 18 U.S.C. § 1344, while wire fraud is governed by 18 U.S.C. § 1343. These crimes involve deceptive practices that impact financial institutions and use of electronic communication to carry out fraudulent schemes.

For federal and state insights, read Bank Fraud and Wire Fraud Offenses in Texas Courts.

6. Mail Fraud and Federal Prosecution Risks

Mail fraud under 18 U.S.C. § 1341 involves using postal services to execute a scheme to defraud. It is a felony carrying up to 20 years in prison, or 30 years if a financial institution is involved.

Get the full breakdown in Mail Fraud and Federal Prosecution Risks.

7. Mortgage and Real Estate Fraud in Texas

Real estate and mortgage fraud often involve appraisal manipulation, false income statements, or forged deeds. Prosecution may fall under state fraud laws or federal statutes when the transactions involve federally backed loans.

See recent case studies in Mortgage and Real Estate Fraud in Texas.

8. Medicaid and Government Benefits Fraud

This form of fraud involves making false statements or submitting inaccurate claims to programs like Medicaid or unemployment insurance. The Texas Medicaid Fraud Prevention Act (TMFPA) and federal False Claims Act often apply.

Understand compliance in Medicaid and Government Benefits Fraud.

9. Online Fraud and Cybercrime Charges in Texas

Cybercrimes include hacking, online impersonation, phishing, and digital data breaches. These offenses fall under Chapter 33 of the Texas Penal Code and, in severe cases, can also invoke federal cybersecurity laws.

See digital-era challenges in Online Fraud and Cybercrime Charges in Texas.

10. Employment Application and Resume Fraud: Can It Be Criminal?

Falsifying credentials on a job application or resume may lead to charges under statutes such as Texas Penal Code § 32.21 (Forgery) or § 32.32 (False Statement to Obtain Property). This can apply to forged diplomas, employment histories, and even false licenses.

Learn about employer consequences in Employment Application and Resume Fraud: Can It Be Criminal?.

Final Thoughts

From traditional check fraud to complex digital impersonation schemes, Texas law casts a wide net over fraud-related offenses. Offenders can face misdemeanor charges or, in more serious cases, decades in prison and steep fines. Whether you are under investigation or facing prosecution, securing the right legal counsel is critical.

Walker Law Office offers skilled defense across all fraud categories. With years of experience and deep knowledge of Texas statutes, attorney Mekisha Walker provides strong representation tailored to your case.

Call (713) 228-2611 or visit https://www.walkerlawhouston.com/contact/ to schedule a consultation.

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