If someone uses a relative's name to obtain a loan using deception, what offense have they committed?

Using a relative's name to obtain a loan through deception specifically aligns with the definition of obtaining a signature by deception. This offense occurs when an individual utilizes false pretenses or misrepresentations to secure a contractual or financial agreement without the genuine consent of the person whose name is being used. It emphasizes the aspect of deceitful intent to manipulate someone else's identity to achieve a financial gain, which is a central theme of this particular offense.

While identity theft involves using another person's identifying information to commit fraud or other crimes, the specific act of obtaining a loan using someone else’s name without their knowledge or permission falls more accurately under obtaining a signature by deception. Fraudulent schemes generally cover a broader range of deceitful activities aimed at defrauding individuals, whereas burglary involves unlawful entry into a structure with intent to commit an offense. In this scenario, the focused act of deception to secure a loan is best captured by obtaining a signature by deception.