{"jurisdiction": "us-ny", "code": "penal", "section": "187.05", "citation": "Penal Law § 187.05", "heading": "Residential mortgage fraud in the fifth degree", "text": ["§ 187.05 Residential mortgage fraud in the fifth degree.", "A person is guilty of residential mortgage fraud in the fifth degree when he or she commits residential mortgage fraud.", "Residential mortgage fraud in the fifth degree is a class A misdemeanor."], "official_source": "https://www.nysenate.gov/legislation/laws/PEN/187.05", "from_official_api": true, "plain_english": "A person who **commits residential mortgage fraud** commits the offense in the fifth degree. ★ It is a **class A misdemeanor**.", "in_force_on": "2026-05-31", "retrieved": "2026-09-27", "url": "https://elyphived.com/us-ny/penal/187.05", "publisher": "Elyphived LLC"}