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Paper hanger is slang for a person who writes and cashes "bad" or "rubber" checks (because they bounce back to the depositor when the bank dishonors them. )

A paper hanger is also a person with the occupation of applying wallpaper.

Check kiting is a related term. Kiting checks is borrowing money by taking advantage of the time lag between when a check is issued, and the time the check is honored by the bank. IC35 Freeware von Silvio Iaccarino. It's illegal as well, although before the passage of the Check Clearing for the 21st Century Act,[1] when checks could take 3 or more days to clear, playing the float was fairly common practice in otherwise-honest low-income families who encountered emergencies right before payday. [2]

The most notorious bad check artist of the 20th century, Frank Abagnale, devised a scheme to put incorrect MICR numbers at the bottom of the checks he wrote, so that they would be routed to the incorrect Federal Reserve Bank for clearing. This allowed him to work longer in one area before his criminal activity was detected. [3][4]

Bad checks

Although the United States prosecutes[5] some paper hangers under federal law,[6], most uttering of a bad check in the United States is prosecuted as a state offense. Diskussionsforum.

Laws will vary from state to state, but in Ohio, Revised Code 2913. 11(2)(B) says "No person, with purpose to defraud, shall issue or transfer or cause to be issued or transferred a check or other negotiable instrument, knowing that it will be dishonored or knowing that a person has ordered or will order stop payment on the check or other negotiable instrument". Ordinarily, passing a bad check in Ohio is a misdemeanor, but large checks or multiple checks within a six-month period aggregating to large amounts make it a 5th-, 4th-, or 3rd-class felony, depending on the amounts involved. [7]

Although not in Ohio, some states protect the careless and the mathematically-impaired with regard to the "with purpose to defraud" provision. Treiber - Unbekannt 030106 Siemens IC-35. Indiana's statute IC 35-43-5-5 holds that it is a defense if the person issuing the check "pays the payee or holder the amount due, together with protest fees and any service fee or charge, which may not exceed the greater of twenty-seven dollars and fifty cents ($27.