Not fraud, just a lack of understanding of what they mean by the use of certain terms.
When the Red Cross or any such professional organization collects money for a cause they do not mean all that money goes to the cause nor that it will go to that cause right away.
But like many financial claims and transactions they are at their heart fraudulent, though not illegal, not fraud.
CAP more so than any other party would be prepared to address those issues if they had the power to do so.