1 : A criminal act conducted by a perpetrator who will not be prosecuted in the United States criminal courts due to their wealth and power.
2 : An action that constitutes an offense punishable by law which could be criminally prosecuted by a state's attorney, but because the perpetrator is wealthy, powerful or a corporation, the state's attorney office will not prosecute, leaving only a lawsuit in the United States civil court system as remedy for the victim of the crime.
3 : In civil court the crime of fraud becomes unjust enrichment, the crime of forgery becomes robo signing, and the crime of theft becomes conversion or breach of contract; severely diminishing the both the penalties and stigmas associated with the crime.
4 : In civil court the criminal can settle without admission of wrongdoing and does not risk prison. The costs of the lawsuit do not outweigh the profit of the crime, so crime is rewarded, encouraged and nurtured.
The state attorneys general, feds national settlement with mortgage servicers treated foreclosure fraud as civil crime.