California, United States of America
The following excerpt is from Tejeda v. Wells Fargo Bank, N.A., B277568 (Cal. App. 2017):
Lastly, we address plaintiffs' fraud claim. The elements of fraud are " ' (a) misrepresentation (false representation, concealment, or nondisclosure); (b) knowledge of falsity (or "scienter"); (c) intent to defraud, i.e., to induce reliance; (d) justifiable reliance; and (e) resulting damage.' " (Lazar v.
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