Assuming that a jurisdiction has prohibited pretexting with financial institutes, which of the following actions would constitute illegal pretexting?

Assuming that a jurisdiction has prohibited pretexting with financial institutes, which of the following actions would constitute illegal pretexting?
A . Withdrawing another person’s funds using a stolen bank account number and PIN
B. Digging through a person’s trash to obtain their bank account information
C. Making purchases with a credit card account under a fictitious identity
D. Falsely claiming to be the spouse of an account holder to access bank records

Answer: D