There's usually an escalation in fraud. Fraudsters usually start with credit card scams and insurance claims, and then they manifest and they get more clever and they use mortgage fraud and title fraud. We would like to see a minimum penalty around title and real estate fraud. I would again point to the Georgia act, where they actually have created an offence for what they call real estate fraud racketeering. It says when there is:
a pattern of residential mortgage fraud or a conspiracy or endeavour to engage or participate in a pattern of residential mortgage fraud, said violation shall be punishable by imprisonment for not less than three years nor more than 20 years, by a fine not to exceed $100,000.00, or both.
From our perspective, we would like to see some minimum penalties.