Final answer:
The Fraud Enforcement and Recovery Act (FERA) facilitates the prosecution of mortgage fraud at the federal level, expanding the scope of federal fraud laws.
Step-by-step explanation:
The law that facilitates the prosecution of mortgage fraud at the federal level is the Fraud Enforcement and Recovery Act (FERA). FERA, enacted in 2009, was designed to bolster the federal government's capacity to investigate and prosecute financial crimes like mortgage fraud, which became especially significant after the 2008 financial crisis. This act expanded the scope of federal fraud laws to include mortgage lending businesses not directly regulated or insured by the government and increased funding for law enforcement programs combating mortgage fraud and other financial crimes.