An applicant for a mortgage prints her tax records from the previous years to present to the lending agency. Which of the following would have to occur to
make this action fraud?
A. The applicant refuses to hand over the tax records to the lender.
B. The applicant decides to include her spouse's records as well.
C. The applicant alters the records to be more favorable to her.
D. The applicant signs her name to the tax records,