New York Laws
Article 187 - Residential Mortgage Fraud
187.01 - Limitation on Prosecution.

No individual who applies for a residential mortgage loan and intends
to occupy such residential property which such mortgage secures shall be
held liable under this article provided, however, any such individual
who acts as an accessory to an individual or entity in committing any
crime defined in this article may be charged as an accessory to such
crime.