Blog Post
What Is Fraud Under Texas Law?
3/21/2026
Under Chapter 32 of the Texas Penal Code, fraud generally involves intentionally deceiving someone to obtain money, property, services, or another financial benefit. Although fraud offenses are typically non-violent, Texas courts treat them seriously—especially when large sums of money or vulnerable victims are involved.
Fraud usually centers on misrepresentation or concealment of material facts—in simple terms, lying or withholding important information to gain something of value. Even attempted fraud, where no money ultimately changes hands, can still result in criminal charges.
Fraud cases arise in many contexts, including financial transactions, contracts, insurance claims, and online activity. The type of fraud alleged plays a major role in how the case is prosecuted—and how it should be defended.
Types of Fraud Offenses in Texas
Fraud crimes vary widely, but they share one common element: alleged intent to deceive.
Forgery
Forgery involves creating, altering, or using a document with the intent to defraud or harm another person. Examples include:
Signing someone else’s name
Altering a contract
Passing counterfeit checks
Creating fake financial instruments
Penalties depend on the type of document involved and its value.
Identity Theft
Identity theft involves using another person’s identifying information—such as a Social Security number, bank account number, or driver’s license—without consent and with fraudulent intent.
Charges may apply if someone allegedly:
Opens credit accounts in another’s name
Obtains loans fraudulently
Accesses financial accounts
The prosecution must prove intent to harm or defraud.
Credit or Debit Card Abuse
This offense applies when someone allegedly uses a credit or debit card without the cardholder’s consent. It may involve:
Using a stolen card
Making unauthorized purchases
Possessing card information obtained through skimming devices
Card abuse is often charged as a state jail felony.
Insurance Fraud
Insurance fraud involves submitting false or misleading information to obtain insurance benefits. This may include:
Exaggerating property damage
Staging accidents
Filing claims for injuries that did not occur
Because insurance systems affect many policyholders, prosecutors often pursue these cases aggressively.
Other Common Fraud Offenses
Fraud charges can also include:
Investment Fraud – Misrepresenting facts to obtain investor funds
Online Fraud – Internet-based scams such as phishing or fake marketplaces
Bankruptcy Fraud – Concealing assets or falsifying filings
Mortgage Fraud – Providing false information to obtain a loan
Counterfeiting – Manufacturing or distributing fake goods or currency
Each offense carries unique legal elements that must be proven beyond a reasonable doubt.
Arlington Criminal Attorneys
3901 Arlington Highlands Blvd, Suite 200
Arlington, TX 76018