Difference might be in voluntarily making bank account and applying for loan and impersonating person. One might be punishable as criminal offence, other as min

Difference might be in voluntarily making bank account and applying for loan and impersonating person. One might be punishable as criminal offence, other as minor scam (not sure about proper legal terms). Also in certain jurisdictions it makes sense as different police units investigating certain crimes and scammers might be connected.