Suppose a person writes a check that bounces because the account has "insufficient funds." That would be a misrepresentation (of the person's bank balance). How long does the person have to make the funds sufficient so that the check becomes "good" before the person can be charged with a crime. (If it is within a reasonable period of time, might it be case of "no harm, no foul.")
Take another example with cases a) and b). A person lies on a loan application by claiming to have insurance on a key asset (such as a house) when in fact, s/he doesn't.
Case A: The loan officer catches the omission before the loan closes. Can the person "cure" the omission or "true" the facts by buying the insurance and then close on the loan?
Case B: The loan closes and later the bank finds out about the missing insurance. Can this misrepresentation be cured?
I am interested in the law in any state of the United States, but particularly in New York state.