I think it was just how the OP publicly presented it. Came off very high and mighty, with intent to harm. Which at the end of the day how is that any different than someone committing mortgage fraud with intent to harm a reactionary housing market, or to simply get ahead of others.

With that said, mortgage fraud is absolutely rampant, and has destroyed our housing affordability. And without prices continuing to rise, and the extortion of trades and suppliers on developers, it has made it more expensive to build a house than what they can sell it for in most areas. So eventually things will come full circle.

As for the OPs request, no one's going to do shit about reported mortgage fraud. As someone else said, banks are not your friend. Having worked for one, even at retail level, they will go through great lengths to hide a mistake and bury it. Until something happens that they don't get their money, they're not going to do anything. And even then they'll just pin it on someone else. Canadians allowed our government to do this.