Although I am not an Oregon practitioner of the criminal law of that state, I see no basis for any criminal nor even civil charges (including fraud) based upon the scenario which you've described.Ask a similar question
Note that I am not licensed to practice in your state.
I agree that according to your description, he has no case for fraud. However, that does not mean he cannot still file a police report for identity theft and fraud and make your life a living hell.
I think it might be time to speak with a divorce attorney.Ask a similar question
I do not practice in your state and am not licensed to do so.
I must respectfully disagree with the other attorneys that have responded. If you signed his name to any of the credit card applications, and supplied his personal information without his consent in applying for the cards, you can be held criminally liable for identity theft and fraud under federal statute, and most likely under your state's statutes. Where you admit to opening three accounts without his knowledge, you have a problem. Further, if he were to divorce you, it is likely he would argue, and possibly win, that you did not incur that debt for the benefit of the marriage (thus not marital debt but your sole debt) or that you wasted marital assets through your spending without his permission and through purposeful concealment.
Unless you have a signed (and in many places, recorded) general durable power of attorney, you do not have authority to sign your husband's name to anything, especially something that would create a legal liability for him.
Folks, honesty is still the best policy. Even if you think your spouse "knows" about your use of credit, if you know you are spending money they don't know about and won't approve of, don't be surprised or get mad at them when they catch you and are not exactly happy about it. Take the extra time to get your spouse to sign -- do not sign for them. Same with taxes, bank accounts, etc.Ask a similar question