{"success":true,"data":{"id":"homeowner-hoa-estoppel-phish","label":"Fake HOA estoppel certificate notice requiring wire payment before real estate closing — targets estoppel fee fraud specifically.","description":"Fake HOA estoppel certificate or resale certificate notice requiring wire payment before real estate closing — targets estoppel fee fraud specifically. SACRED: 'estoppel certificate' added to safety-keywords.ts to protect real closing documents. Real estoppel certificates are ordered through the HOA management company or a licensed estoppel service (CondoCerts, HomeWise) via authenticated portal — NEVER via cold inbound email demanding wire payment with closing-deadline urgency. Detection: estoppel certificate/resale certificate/HOA payoff vocabulary + wire payment/closing requirement urgency + no In-Reply-To + no List-Unsubscribe. Trash score: +4. Source: GC1-R18; FBI HOA closing wire fraud advisory 2025; ALTA real estate fraud alert.","tier":"danger","category":"phishing","isThin":false}}