She’s obviously using taxpayer funds to “investigate until a crime is found”, with no predicate to warrant the activity. This stuff is nothing but a violation of the 4A.
Second, this is why banks do appraisals. I put my house on the market and received multiple offers over the asking price, the bank would only appraise at below my asking price. Did I commit a crime? Was it fraud? Of course not.
IF you have a CASH buyer—the bank has ZERO input into the transaction.