Is a young man considered accountable for religious obligations if he shows no signs of puberty at the age of sixteen, and are the sins of disobedience he committed before puberty counted against him?

The fatwa-bearing opinion is that the age of puberty is fifteen years, even if other signs of puberty do not appear, such as nocturnal emission or the growth of coarse hair. Accordingly, religious obligations become binding upon you, and it is forbidden for you to commit what is forbidden for one who is legally responsible.