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Bank fraud is the criminal offense of knowingly executing or attempting to execute a scheme or artifice to defraud a financial institution or to obtain property owned by or under the control of a financial institution by means of false or fraudulent pretenses, representations, or promises.
It is to be noted that 18 USCS, § 1344 deals with bank fraud, stating:
Whoever knowingly executes, or attempts to execute, a scheme or artifice
(1) to defraud a financial institution; or
(2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises;
shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.