<p>Hey cal bear… </p>
<p>Notice the first part of your defenition is “a criminal deception…”, not telling the full truth on an application is neither criminal nor illegal, and under no cirumstances will a perosn be charged with a criminal misdemeanor or felony for doing so.</p>
<p>And your second example is on a basis of defrauding someone else
So again get clear on what your definition of “fraud” is.</p>