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Mortgage fraud, foreclosures and home lending have been extremely popular topics for essays, thesis topics and dissertations over the past several years. For example, the FBI has noted that there has been more than $1.5 billion in financial losses due to mortgage fraud during 2009 with this year likely to equal or surpass 2009. Many academic programs in finance, accounting and criminal justice find mortgage fraud and home lending issues, such as consumer credit counseling, to be quite useful to