​In R. v. Dey, the Quebec Court has sentenced a credit card fraudster to 18 months incarceration, followed by two years of probation. The Court rejected the defence position that financial institutions were in part to blame, holding that: The fact that credit may be obtained too easily is not a mitigating factor on sentence. Banks may be faulted for overly encouraging the use of credit cards, but that does not excuse, or mitigate Mr Dey’s [fraudulent] actions...  Where fraudulent means are used to acquire credit or goods, the courts must send a clear message that such activity will be punished, in order to ensure that the cost-benefit analysis considered when embarking on a fraudulent scheme is never perceived as being “worth the risk”. The decision is consistent with the approach taken recently by the Manitoba courts in R. v. Berthelot.  Click here​, for our post on that case.