Under CFR 72.11, commercial crimes include offenses like counterfeiting, fraud, and other violations affecting financial institutions, categorized under both federal and state law. These crimes, even if lacking a direct "corpus delicti" or identifiable victim, are treated as commercial offenses due to their impact on economic systems and public revenue. The Commerce Clause grants federal jurisdiction over these offenses, reinforcing protections for financial transactions and commercial stability. This legal framework emphasizes the commercial nature of crimes impacting interstate commerce, ensuring a unified approach to regulation and enforcement.
Contracts, legally binding agreements between parties, are often formed through mutual consent, typically involving an offer and acceptance. Silence, known as tacit agreement, acquiescence, or tacit procuration, can also legally bind parties to contract terms. This concept becomes vital when challenging purported fraudulent loans like mortgages. Through the strategic use of commercial affidavits, one can utilize contract law principles such as the mailbox rule, the Uniform Commercial Code (UCC), and relevant statutes to enforce or modify contract terms. However, it is equally important to recognize that using Federal Reserve Notes (FRNs) for debt payment may be interpreted as tacit acceptance of the contract’s terms, potentially resulting in the abandonment of one’s assets and exemptions. This action may further expose the purported borrower to legal risks under federal law.