When a Minor Is the Account Holder

When the account holder is your child

Finding out your child’s account is linked to a mule investigation is frightening. Wanting to panic or to blame is normal.

But your child needs a calm adult now. How the family reacts in the first few days can shape what your child is willing to tell you.

This page does not assume your child did anything wrong.

Why young people end up named on these accounts

Teenagers and young adults can be targeted. An offer of easy money, a request to receive and pass on funds, or “lending” an account can seem harmless to them.

Some may not understand what they are being pulled into. A small favour or part-time job can, without them knowing, be part of someone else’s crime.

That matters, because what a young person knew and why they acted are part of any defence.

Stay calm and get the facts first

Slow down. Anger or fear can make a scared child talk less.

Find out which account, which bank, what exactly your child was asked to do, and by whom. Keep every message, screenshot and document.

A patient talk without blame is more likely to get the real story than an interrogation. You need the real story before anyone gives a statement.

Check what is actually flagged

Guessing only feeds fear. The PDRM Semak Mule portal lets anyone check whether an account or phone number is flagged as a mule ^[f1]. Write down what you find.

If there is an investigation, it may be handled by CCID (JSJK in Malay), the Commercial Crime Investigation Department at Bukit Aman ^[f2]. Knowing who is involved makes the process less mysterious.

Young people are generally treated differently

The law generally treats children and young people differently from adults. There are extra protections and procedures suited to their age.

How this applies depends on the facts and your child’s age, so do not guess. For now, do not assume the harshest outcome.

Your child should not face police questions alone. A calm adult and proper advice help.

Getting help, including if money is tight

You do not have to handle this alone, and cost should not stop you from protecting your child.

Article 5(3) of the Federal Constitution gives the right to consult a lawyer ^[f3]. If private fees are a worry, the Legal Aid Department may give help at low or no cost to people who meet its income rules ^[f4].

Ask early, before your child gives any statement. A lawyer can explain how a young person’s case is handled and be there to advise before questioning.

Protecting your child and your relationship

Your child may be scared and may feel ashamed. Handling this without blame protects your relationship as well as their case.

Tell them that being honest with you and with any adviser helps. Fear of your reaction can push a young person into silence or half-truths.

Sources

1. https://semakmule.rmp.gov.my/
2. https://www.rmp.gov.my/
3. https://www.lawnet.com.my/federal-constitution
4. https://www.jbg.gov.my/