CSAO: Banking Committee - February 14, 2017 - H.B. No. 7015

TESTIMONY OF THE DIVISION OF CRIMINAL JUSTICE

IN SUPPORT OF:

H.B. No. 7015: AN ACT CONCERNING DEBIT CARD FRAUD AND PENALTIES FOR COLLECTION OF RENTAL PAYMENTS ON FORECLOSED PROPERTY.

JOINT COMMITTEE ON BANKING
February 14, 2017

The Division of Criminal Justice supports H.B. No. 7015, An Act Concerning Debit Card Fraud and Penalties for Collection of Rental Payments on Foreclosed Property, and respectfully recommends the Committee’s JOINT FAVORABLE Report.

Sections 1 through 6 of H.B. No. 7015 are similar to legislation first introduced in the 2016 session as a result of discussions between the Office of the Chief State’s Attorney and representatives of the banking industry. We again wish to express our appreciation to the industry for its invaluable assistance in drafting legislation to provide a statutory framework for the prosecution of fraud committed against the holder of a valid debit card.

To reiterate our 2016 testimony, existing statutes (Sections 53a-128a through 53a-128i) allow for the prosecution of credit card fraud and related crimes. However, there are no corresponding provisions governing fraud involving a debit card. In fact, upon examination of this issue the Division was unable to find any substantive legal definition of what a “debit card” is under Connecticut law. We are also aware of instances where the police have attempted to prosecute debit card crimes under the credit card statutes to no avail.

The use of debit cards has grown tremendously in recent years. Unfortunately, it is also a sad reality that any new technology is quickly followed by someone finding a way to utilize or take advantage of that technology for personal gain. H.B. No. 7015 expands and extends the existing statutes governing crimes involving credit cards to include, where appropriate and applicable, debit cards. The legislation also provides a legal definition of what a debit card is.

In conclusion, the Division would respectfully request and recommend the Committee’s JOINT FAVORABLE Report for H.B. No. 7015. We thank the Committee for your consideration of this legislation and for affording this opportunity for input. The Division would be happy to provide any additional information the Committee might require or to answer any questions that you might have.



Content Last Modified on 3/22/2017 9:24:31 AM