Income Fraud Where the borrower overstates their income, e.g. to secure a higher mortgage loan offer. A solicitor who knows their client does not have a job or knows they has serious mortgage arrears on another property should be on the look out for possible mortgage fraud.
First, check out the loan company on your local BBB website. Then do a quick online search and look up customer reviews. Finally, check with your state's attorney general to make sure that the lender is registered with the proper state government agencies
You can maintain social order by lying to your citizens if they feel unsafe or you can physically persuaded them with a large overwhelming police force and strict (unfair laws)