From John McCain on down, Republicans are accusing a community group of engaging in massive voter fraud. But the charges levied against the Association of Community Organizations for Reform Now largely appear overwrought.

McCain went over the top in his debate Wednesday night with Barack Obama, stating that ACORN “is now on the verge of maybe perpetrating one of the greatest frauds in voter history in this country, maybe destroying the fabric of democracy.”

McCain’s running mate, Sarah Palin, said in a fundraising letter, “We can’t allow leftist groups like ACORN to steal this election.”

Hold on. Let’s look at the facts. The single most important one: Voter registration fraud — where bogus names, addresses or signatures of potential voters are submitted to election authorities — is far different from actual voter fraud, where unqualified people show up and try to vote.

Voter fraud is fortunately rare. In Missouri, reports by the last two secretaries of state — Democrat Robin Carnahan and Republican Matt Blunt — said elections this decade have been free of that problem.

In 2008, vigilant election officials in Missouri and other states are doing their jobs to prevent voter fraud.

They are checking voter registration forms turned in by ACORN, and by millions of Americans hoping to vote this November. When suspicious or false information shows up, the authorities are putting those registrations aside or tossing them out.

This is a time-consuming task and Republicans are correct to point that out. Various legal officials, including FBI personnel, are investigating potential voter registration fraud connected to ACORN workers in about 15 states, including Missouri.

ACORN is not blameless. It concedes some of the 13,000 people it paid to collect signatures faked names to collect more money.

However, the group has flagged many of these names for authorities to check out, while turning in all the signature cards it collects, as is often required by various state laws. And ACORN has stated it will cooperate with investigations of its workers.

So why all the caterwauling from Republicans? The most salient point is that ACORN has registered more than 1.3 million voters this election cycle.

Of course many of these people are in demographic groups — minorities, and lower- and middle-income Americans — who tend to vote for Democrats. And many of these people are ready to vote for change, likely adding to Obama’s totals.

That would go a long way toward explaining the GOP’s frenetic attacks on ACORN.