Has Joe Biden ever been formally charged with a financial crime?

1. What the public record in these sources actually shows

House Republican investigations led by Oversight chair James Comer and allied senators have released bank records and alleged “mountains of evidence” tying Biden family members and associates to international payments and shell companies, and assert Joe Biden lied about his involvement; those releases are political and investigatory materials, not criminal indictments of the president ^{[1] [2] [7]}. Independent fact-checking and reporting note the records do not themselves prove Joe Biden committed bribery or other crimes ^{[3] [8]}.

2. Charges that do exist in the coverage: Hunter Biden, not Joe Biden

The concrete criminal charges documented in the supplied reporting are against Hunter Biden — including federal tax-evasion and related counts and a federal gun charge — and resulted in plea agreements or prosecutions focused on him ^{[4] [5] [6]}. Forbes, TIME and the BBC summarize those charges and outcomes; none of those pieces report Joe Biden himself being criminally charged ^{[4] [5] [9]}.

3. Republican allegations vs. legal action: political strategy, not prosecution

Republican congressional materials frame the Oversight probe as seeking to “follow the money” and argue Joe Biden benefited financially from family deals; these are political and investigative assertions aimed at impeachment or public accountability rather than evidence of a criminal indictment ^{[1] [2]}. FactCheck.org and PolitiFact caution that the bank records and committee claims overstate what has been proven and do not equate to a criminal conviction or formal charge against the president ^{[8] [3]}.

4. Investigative leads and disputed evidence: informants and contested documents

Some public disclosures referenced FBI records or alleged recordings implicating Joe Biden in prior-era dealings, but the provenance and reliability of those materials have been questioned; for example, a former FBI informant who made explosive bribery claims later pleaded guilty to lying about a fabricated scheme, and prosecutors said no evidence has emerged that Joe Biden accepted bribes ^{[10] [11]}. Senator Chuck Grassley and others have publicized FBI summaries that they describe as “significant, impactful” but those summaries are not the same as criminal charges ^{[12] [13]}.

5. What the sources do not show or address

Available sources do not present any indictment, criminal complaint, or formal charges filed against Joe Biden for a financial crime ^{[1] [2] [3]}. They also do not document a prosecution that has tried and convicted Joe Biden of financial wrongdoing—if such proceedings existed, they would be a different and explicit category of reporting than committee releases and allegations ^{[4] [5]}.

6. Competing viewpoints and hidden incentives in the reporting

Oversight Committee releases and Republican statements present the strongest accusations and are politically motivated toward oversight and, in some cases, impeachment ^{[1] [2]}. Media outlets and fact-checkers warn that those releases can overstate what the records prove and that political actors have incentives to frame investigatory materials as definitive proof ^{[3] [8]}. Conversely, prosecutors and mainstream outlets that report criminal charges focus on Hunter Biden’s legal exposure, which skeptics say doesn’t address whether Joe Biden benefited — but those are separate legal and evidentiary questions ^{[4] [5]}.

7. Bottom line for your question

Based on the documents and reporting provided, Joe Biden has not been formally charged with a financial crime; the materials show allegations, investigatory findings from congressional sources, and separate criminal charges against family members (notably Hunter Biden) but no criminal indictment of the president himself in the supplied reporting ^{[1] [4] [3]}.

Limitations: This analysis uses only the supplied sources. If you want, I can scan additional reporting or court records beyond these items to confirm whether any later or outside developments changed this picture — the current set does not show a formal financial charge against Joe Biden ^{[1] [4] [3]}.