zlacker

That's a good question. Are you liable for fraud in this case? What about another case?

Say you promise 0.75% because the bank promised you 1% and you skim 0.25%. Is that scenario fraud? Probably not. At what point is it actually fraud?

My guess is it's not the yield but the loss of deposits.

>>irjust+(OP)
At the point you don't have capability to pay the 0.75% yourself.

>>irjust+(OP)
You are moving the goal post here. 15% is not 0.75%. The probability of returning 15% consistently is significantly lower than 0.75%.

If you guaranteed 0.75% to your customers and do not deliver, then you are liable. What you are describing is arbitrage and not what this scenario is about.