If "reliance to one's detriment" is an element of fraud in NY, then if "no detriment" (e.g., all loans repaid, which they were), then no fraud (even if knowing misrepresentations - which have not been established either).
____
In CA, if suing civilly for fraud (as NY AG is against Trump and children),one element of establishing fraudis that the complainant has to have been harmed, i.e.,relied to their detrimenton a false representation made knowingly.
If the same is true in NY, then no harm no foul because all loans were repaid.
NO "detriment".
So NO finding of fraud.
It is an element of fraud. So if it's not there, no finding of fraud can be established.