§ 845 Defendant must answer questions - Answers inadmissible in prosecution for fraud.

If you're being questioned as a defendant in this type of proceeding, you can't refuse to answer just because your answer might show you committed fraud. The law says you have to answer the question anyway, even if it makes you look guilty of fraud.

But there's a trade-off. If you're later prosecuted for that fraud in a criminal case, the answer you gave can't be used against you as evidence. This protects you from your own words being used to convict you, while still making sure you can't dodge questions during the civil case by claiming they might incriminate you on fraud charges.

In short, you must answer truthfully when asked, and in exchange, the law keeps that specific testimony out of any later fraud prosecution against you.