Yesterday I got banned from my other account, so I had a hunch and made a test ... created a new account (yup, I bought the game again) and drove around stealing cars and selling. Of course I got hacked in the process a few times, people took my weapons and then gave them back to me. This time they gave back all the weapons, which I used of course. No money was spawned on me or picked up by me.
Got banned on that account a couple hours later. So be aware that, whatever method Rockstar is using, it is now banning based on things you receive from modders. I don't think there's a file detection implemented as no extraneous files exist on my GTAV folder, which is Steam based btw.
So, be aware that just by using stuff you receive can be a problem.