In New York, fraud is generally defined as intentional acts of deception to secure unfair or unlawful gain or to deprive a victim of a legal right. This can occur in various scenarios, including personal and business contexts, and can involve insurance, real estate, or investment activities. Whether it's misrepresentation, concealment of facts, or predatory lending, any action that involves knowingly lying to obtain an undeserved benefit or to deny someone their rightful advantage can be considered fraud.