Terms Used In Utah Code > Title 76 > Chapter 6 > Part 12 - Utah Mortgage Fraud Act

• Act: means a voluntary bodily movement and includes speech. See Utah Code 76-1-101.5
• Actor: means a person whose criminal responsibility is in issue in a criminal action. See Utah Code 76-1-101.5
• Deed: The legal instrument used to transfer title in real property from one person to another.
• Fraud: Intentional deception resulting in injury to another.
• Lien: A claim against real or personal property in satisfaction of a debt.
• Mortgage: The written agreement pledging property to a creditor as collateral for a loan.
• Mortgage lending process: means the process through which a person seeks or obtains a mortgage loan, including solicitation, application, or origination, negotiation of terms, third-party provider services, underwriting, signing and closing, and funding of the loan. See Utah Code 76-6-1202
• Mortgage loan: A loan made by a lender to a borrower for the financing of real property. ^{Source: OCC}
• Offense: means a violation of any penal statute of this state. See Utah Code 76-1-101.5
• Omission: means a failure to act when there is a legal duty to act and the actor is capable of acting. See Utah Code 76-1-101.5
• Person: means an individual, public or private corporation, government, partnership, or unincorporated association. See Utah Code 76-1-101.5
• Process: means a writ or summons issued in the course of a judicial proceeding. See Utah Code 68-3-12.5
• Property: includes both real and personal property. See Utah Code 68-3-12.5
• Sensitive personal identifying information: includes :

  (a)

  the following information regarding an individual's: (i)  Social Security number; (ii)  driver license number or other government issued identification number; (iii)  financial account number or credit or debit card number; (iv)  password or personal identification number or other identification required to gain access to a financial account or a secure website; (v)  automated or electronic signature; and (vi)  unique biometric data; and

  (b)

  any other information that can be used to gain access to an individual's financial accounts or to obtain goods or services. See Utah Code 76-6-1202 Signature: includes a name, mark, or sign written with the intent to authenticate an instrument or writing. See Utah Code 68-3-12.5 Value: means the value of the property, money, or thing obtained or sought to be obtained. See Utah Code 76-6-1202