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Fraud: Banks

Volume 477: debated on Thursday 19 June 2008

To ask the Secretary of State for the Home Department whom the police classify as the victim of a crime when someone who has had money fraudulently taken from their bank account has been reimbursed by the bank; and if she will make a statement. (211230)

The National Crime Recording Standard (NCRS) and Home Office Counting Rules for Recorded Crime (HOCR) provide guidance to police forces on how they should record and classify crimes. These are public documents available online at:

http://www.homeoffice.gov.uk/rds/countrules.html

The Counting Rules include guidance issued to both police and financial institutions relating to fraud by false representation for cheque, plastic card and online bank accounts This guidance was agreed with the Association of Chief Police Officers and the UK Payments Association and implemented on 1 April 2007. It is clear that the financial institution is to be treated as the victim except where they have refused to refund losses to an account holder. Where an account holder is the financial loser they are to be treated as the victim for crime recording purposes.