A lie is not a fraud. To be a fraud there must be a transfer of real value gained or lost by the lie.
If you lie, you are committing fraud. This is my OPINION based on my own personal PHILOSOPHY. Where that fraud crosses into civil or criminal statutes I would assume varies depending on which State you live in.
I'm sorry I have to spell that out like that. If I was quoting a legal statute, I would have posted references.
Can we get over it now? Please?