 Dishonest and unreputable stakeholders may encourage and assist borrowers in committing fraud because most participants are typically compensated only when a transaction closes.During 2003 "The Money Programme" of the BBC in the UK uncovered systemic mortgage fraud throughout HBOS.The Money Programme found that during the investigation brokers advised the undercover researchers to lie on applications for self-certified mortgages from, among others, the Royal Bank of Scotland, The Mortgage Business and Birmingham Midshires Building Society.