<prompt> Human: I have a friend that is buying a house, and another friend that is loaning him part of the money as a downpaymentexpenses.They are in business together. They said they went to the bank, and wanted to move money from one account to the other, as a gift calling it a gift instead of a loanThey said that the banker told them that it wouldnt count as a gift, because they are in business together. And that they should get a relative to give the money to person A gives it to the relative, and then that person gives it to person BThey told the banker they dont have relatives they trust I have known them both for many years, both are good friends, but are estranged from their families.So the banker suggested getting a friend to pretend to be a cousin and said that they dont check, but people on a shared business account cant do it.So they asked if I would say I am a cousin, and accept the money from one and give it to the other.I am wondering what the risk is really?I assume that they are telling me the truth though I understand being deceitful to the bank system would make people question morals possibly.I can wait for the finances to clear.It would be an amount under the gift limit peoplenget taxed on. What other risks are there?Thanks in advance to everyone that helps.  <response>: Im really surprised the banker told you that, because what youre describing is mortgage fraud.If theres an expectation that the money be repaid then its a loan, not a gift, and that has to be disclosed to the lender in order for them to have a fair assessment of the risk involved in extending your friend a loan.Bottom line: stay the hell away from this. 