When Does a Short Sale of a Foreclosed Home Become

When does a short sale of a foreclosed home become mortgage fraud?

A) When an agent convinces a bank to sell the home at a loss and uses a co-conspirator to buy the house at a significantly higher price.
B) When the owner of the home cannot carry the mortgage and asks the bank to allow the owner to sell it at a loss to a new buyer who pays a higher price.
C) When a seller sells the home to another bank before the lender can foreclose.
D) When the buyer refuses to pay the mortgage and sells the house at a lower price than the original mortgage.