What is the loaded question fallacy?

A question with a controversial assumption baked in, so any direct answer commits you to that assumption.

A loaded (or "complex") question presupposes something unproven; both yes and no concede the hidden premise. It's unfair because the assumption was never established — it's been smuggled in disguised as a neutral question.

"Have you stopped cheating on your exams?"

"Yes" admits you cheated before; "no" admits you still do. Either answer accepts the unproven premise that you were cheating. The honest move is to reject the premise itself ("I've never cheated") rather than to answer as asked.

Tip: Defuse it by attacking the assumption, not the question: "That question assumes I cheated, which I dispute."