# Income Fraud

> Income Fraud shows where trust, identity, data, money, and documents can be manipulated

| Field | Value |
|---|---|
| Stable ID | `node:kiduna:real-estate-mortgage:fraud-cyber:income-fraud` |
| Family | Fraud, Cyber & Operational Failure |
| Domain | Technology |
| Era | Agentic Age |
| Kind | metric-or-force |
| Archetype | The Tide |
| Claim layers | empirical, cultural_historical, synthesis, interpretive, symbolic_divinatory |

## What it is

Income Fraud is a metric or force in the Fraud, Cyber & Operational Failure family, defined here by the function it performs in the property system rather than by label alone.

## What it actually does

Income Fraud shows where trust, identity, data, money, and documents can be manipulated.

## Why it exists

It exists because place is unique and immovable while law, capital, information, and human lives must still coordinate around it across time.

## System mechanics

- **Who uses it:** underwriter, appraiser, investor, developer, regulator
- **Incentives:** comparability, predictive usefulness, decision speed, auditability
- **Inputs:** observations, definitions, time period, comparison set
- **Outputs:** signal, comparison, threshold, decision input
- **Dependencies:** Land, Authority, Information, Capital, Time

## Archetypal reading

- **Essence:** Income Fraud shows where trust, identity, data, money, and documents can be manipulated
- **Gift:** Clarity about income fraud makes a hidden allocation of place, time, authority, value, or risk available for deliberate choice.
- **Wound / Shadow:** When income fraud is treated as neutral or inevitable, its costs can be shifted to people who hold less information, authority, liquidity, or mobility.
- **Failure mode:** The failure mode appears when income fraud is stale, opaque, mispriced, misrecorded, overextended, or applied outside the conditions that made it useful.

## Lenses

- **Personal:** Notice where income fraud appears as a structure in your own commitments: what is held, promised, priced, protected, excluded, or deferred?
- **Business:** Income Fraud reveals a handoff among information, authority, incentives, operating work, and capital. Make the owner of each handoff explicit.
- **Financial:** Income Fraud changes the timing, priority, comparability, liquidity, or distribution of cash flow and risk.
- **Property:** Income Fraud changes how a physical place can be used, valued, financed, transferred, occupied, maintained, or reclaimed.
- **Community:** Income Fraud can create benefits inside one parcel while exporting costs or opportunity to neighbors, institutions, or future residents.

## Divination

The Tide enters the reading through Income Fraud. The issue is not only what is visible; it is which map of ownership, time, risk, authority, or belonging currently governs the situation.

**Question:** What is Income Fraud measuring—and which important reality has been left outside the denominator?

**Guidance:** Change the denominator, time horizon, and stakeholder. If the conclusion changes, the map—not only the number—was doing the work.

## Game function

Sets or modifies a threshold; players may stress it by changing rates, time, or cash flow. Initiative 3.

## Relationships

- **eMortgage externalizes to Income Fraud.** eMortgage externalizes to Income Fraud through a change in rights, information, cash flow, priority, timing, or physical use.
- **Occupancy Fraud prices Income Fraud.** Occupancy Fraud prices Income Fraud through a change in rights, information, cash flow, priority, timing, or physical use.
- **Income Fraud documents Appraisal Fraud.** Income Fraud documents Appraisal Fraud through a change in rights, information, cash flow, priority, timing, or physical use.
- **Income Fraud amplifies Overleverage.** Income Fraud amplifies Overleverage through a change in rights, information, cash flow, priority, timing, or physical use.

## Oppositions

- Use Value versus Exchange Value
- Speed versus Diligence

## Historical lineage and regulatory context

Read Income Fraud through the lineage of Fraud, Cyber & Operational Failure: earlier customary or local arrangements became recorded, standardized, financed, regulated, digitized, or contested over time.

Rules vary by jurisdiction and transaction. Use the cited primary sources as starting points and verify current local law, program guides, contracts, and professional standards before operational use.

## Visual direction

Text-free rounded-square enamel artifact for Income Fraud: a calibrated enamel field where one measured boundary visibly changes the exposed and submerged portions of an asset; vitreous midnight enamel, blackened steel, warm brass, copper accents, mortgage-paper cream, deep green, slate, and sky blue.

## Engine output / Sentinel handoff

The generative interpretation above is preserved as Engine Output. Sentinel factors: jurisdiction-specific rules, factual uncertainty. These factors request contextual review; they do not delete or silently rewrite the candidate.

## Research / provenance

- [Mortgage Resources](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/) — Consumer Financial Protection Bureau; origination, disclosures, appraisal, servicing, mortgage regulation.
- [eMortgage Standards and Specifications](https://www.mismo.org/standards-resources/emortgage-standards-and-specifications) — Mortgage Industry Standards Maintenance Organization; eMortgage, SMART Doc, RON, eVault, eRecording.
- [Risk Management Manual — Commercial Real Estate Lending](https://www.fdic.gov/risk-management-manual-examination-policies/commercial-real-estate-lending) — Federal Deposit Insurance Corporation; CRE underwriting and risk management.
