The client's attorney usually decides whether a formal report on the fraud investigation is necessary. If the results of the investigation were inconclusive, the attorney may not wish to incur the additional expense of a report. The attorney may request a formal report if it will be needed to:
a. refer to during restitution negotiations and/or file an insurance claim.
b. submit as evidence when the investigator is expected to testify at trial.
c. help fulfill a bankruptcy trustee's or examiner's responsibility to report on an investigation.
d. a and b
e. a, b, and c