Federal Check and Credit Card Fraud Defense Lawyer serving St. Louis, Kansas City, and ALL of Missouri.

Combs Waterkotte is the leading Federal Check and Credit Card Fraud Law firm serving St. Louis, Kansas City, and the entire state of Missouri.

Federal Check and Credit Card Fraud Defense Lawyer in Missouri

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Federal check and credit card fraud cases are more common than most people realize, and often prosecuted harshly by the U.S. government. Combs Waterkotte’s Missouri federal check and credit card fraud attorneys defend individuals facing access device fraud, bank fraud, and identity theft charges across both the Eastern and Western Districts of Missouri. If you’re under investigation or already charged, our team is ready to protect your rights.

What Is Federal Check and Credit Card Fraud?

Federal check and credit card fraud refers to the unlawful use of financial instruments, such as checks, credit cards, debit cards, or account numbers, to obtain money, goods, or services by deceit. These crimes become federal offenses when they involve interstate commerce, the U.S. mail, or electronic systems like the internet.

Credit card fraud may involve using a stolen or counterfeit card, trafficking in card numbers, or unauthorized use of access devices. Check fraud may include altering checks, using forged or stolen checks, or depositing fraudulent checks into personal or business accounts.

Prosecutors don’t have to prove you personally stole a card or wrote a fake check, only that you used or possessed fraudulent instruments with the intent to defraud. Even minor losses or Missouri-only conduct can trigger federal charges if they involve federally regulated systems.

Is credit card fraud a federal felony? Yes. Most federal cases are charged as felonies, often carrying 10–20 years in prison, depending on the facts and prior history.

What is the federal law for credit card fraud? The key statute is 18 U.S.C. § 1029, which prohibits various forms of access device fraud. Additional statutes cover bank fraud, wire fraud, and unauthorized card use across state lines.

• 18 U.S.C. § 1029 – Access Device Fraud: Covers use, trafficking, and possession of counterfeit or unauthorized cards, numbers, or codes with intent to defraud.
• 18 U.S.C. § 1344 – Bank Fraud: Involves attempts to defraud a financial institution or obtain money from it by false pretenses.
• 18 U.S.C. § 1343 – Wire Fraud: Applies when fraud is carried out via internet, email, or other wire communications.
• 15 U.S. Code § 1644 – Fraudulent Use of Credit Cards: Covers the transport or use of credit cards obtained through fraud, theft, or other illegal means across state lines or through interstate commerce.

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