Other than that the background check was clean, no evictions, no criminal records and previous landlord references checked out.

You have the option to get both credit and criminal background checks, and have the option to pay for it yourself or have the prospective tenants pay directly.  

I was told by the police non-emergency number that this is a "civil, not criminal" issue.

, they have an extremely poor credit history, a criminal history, etc.. 

In the situations where there was a "student" that had committed the fraud they usually did it not knowing they were committing a crime, whether regulatory or criminal.

The point of the license is to keep out people with criminal history.

It lasted 3 months and was cancelled, why because the sellers were being used and abused by the public in addition to the criminal element. 

If the tenant does not vacate, the landlord can fill out an affidavit at the District Clerk’s Office, and a warrant will be issued requiring the tenant to appear in court on criminal charges of Failure to Vacate.

The are obituaries and courts and criminal records and all kinds of ways to find more info.

I know what you mean about the banks, they are merciless soulless entities that should all be shut down under the RICO act for operating an ongoing criminal enterprise.