Someone has acquired the information about you needed to effectively pretend to be you.
This low bar is set by the banks!
I'm not saying that innocent third parties that the banks and financial system harass are not victims, I'm saying that the central role of the bank in the crime makes it more reasonable to describe it as bank fraud.
The murder analogy sort of breaks down, the dead guy (which I see as analogous to the bank) can't do a whole lot to push the consequences of you murdering him onto me. A bank that opens a fraudulent account can (and in fact, this is the major source of the problems for those that are impersonated).
Totally agree with maxerickson. I remember some years ago there was a discussion whether banks should first check back with the consumer whether he really wants to open the account. Banks were against it because it's too much trouble for them.
This low bar is set by the banks!
I'm not saying that innocent third parties that the banks and financial system harass are not victims, I'm saying that the central role of the bank in the crime makes it more reasonable to describe it as bank fraud.
The murder analogy sort of breaks down, the dead guy (which I see as analogous to the bank) can't do a whole lot to push the consequences of you murdering him onto me. A bank that opens a fraudulent account can (and in fact, this is the major source of the problems for those that are impersonated).