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Home Court filings USA v. Alexandra Acosta United States v. Alexandra Acosta — S.D. Fla., No. 0:23-cr-60170-RNS Second Motion in Limine to Exclude Evidence by USA — USA v. Alexandra Acosta (Dkt. 39, S.D. Fla.)

Court filing

Second Motion in Limine to Exclude Evidence by USA — USA v. Alexandra Acosta (Dkt. 39, S.D. Fla.)

Filed May 11, 2024 in USA v. Alexandra Acosta; one of 136 filings from this case.

Record facts

CourtU.S. District Court for the Southern District of Florida
Filed2024-05-11

U.S. District Court for the Southern District of Florida · No. 0:23-cr-60170-RNS · Doc. 39 · 2024-05-11 · Docket on CourtListener

Full text

UNITED STATES DISTRICT COURT 
SOUTHERN DISTRICT OF FLORIDA 
 
CASE NO. 23-60170-CR-SCOLA 
 
UNITED STATES OF AMERICA 
 
 
 
 
v. 
 
 
 
 
 
 
 
 
ALEXANDRA ACOSTA and 
VILSAINT ST LOUIS, 
 
 
 
       Defendants. 
                                               / 
 
UNITED STATES MOTION IN LIMINE TO EXCLUDE EVIDENCE 
 
Introduction 
 
 
The United States of America moves to preclude the following evidence and 
argument at trial: 
1. 
Evidence and arguments of any attempt or successful repayment of 
the fraudulent funds to the SBA. 
2. 
Evidence and arguments concerning any alleged negligence by the 
victim lender, their loan processors, or the United States Small 
Business Administration (“SBA”); 
3. 
Evidence and arguments concerning any profit by the above-
referenced victims; and 
4. 
Evidence and arguments relating to jury nullification, including 
evidence and argument about the nature of the prosecution, use of 
federal resources, and the United States’s charging decisions. 
Items 2–4 above are unopposed, but Defendant Alexandra Acosta reserves the 
right to challenge the investigative steps specific to the evidence in her case. 
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Background 
 
The United States incorporates by reference the facts set forth in its Motion 
in Limine to Admit Inextricably Intertwined Evidence, filed on May 11, 2024, ECF 
No. 38 at 2–4. 
Memorandum of Law 
I. 
The Defendant should be precluded from introducing evidence of 
any intent or attempt to pay back the PPP loan. 
 
Acosta should be precluded from offering evidence of repayment or any 
attempt or intent to repay the PPP loan because it is irrelevant to the charges 
and otherwise would mislead and confuse the jury.   
The charges against Acosta require an intent to defraud. See 15 U.S.C. 
§ 645; 18 U.S.C. § 1343. To act with “intent to defraud” “means to act knowingly 
and with the specific intent to use false or fraudulent pretenses, representations, 
or promises to cause loss or injury.”  11th Cir. Pattern Jury Instr. 051 (2022).  
The crime is complete once a defendant obtains money through knowingly false 
pretenses or representations, regardless of whether the defendant intended 
repayment. Cf. United States v. Morales, 978 F.2d 650, 653 (11th Cir. 1992) (“A 
reasonable expectation of making covering deposits after the event is not a 
defense which negates intent to defraud in a check kiting case.”); United States 
v. McKinney, 822 F.2d 946, 949-50 (10th Cir. 1987) (“A charge under 18 U.S.C. 
§ 656 is complete when the misapplication takes place, and the fact that the 
bank does not suffer a loss, or, if the bank does suffer a loss and the defendant 
later offers repayment, does not negate an earlier intent to defraud.”). It also 
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applies to violations of 18 U.S.C. § 1344 (bank fraud). See United States v. Ross, 
206 F.3d 896, 899 (9th Cir. 2000); United States v. Hollis, 971 F.2d 1441, 1452 
(10th Cir. 1992).  
In United States v. Fields, 327 F. App’x 133 (11th Cir. 2009), the defendant 
was charged with stealing money from the United States in violation of 18 U.S.C. 
§ 641, i.e., theft of government funds.  Fields, 327 F. App’x at 134.  The defendant 
had lied on an application to a housing authority that received federal funding. 
Id. Prior to being indicted for her conduct, the defendant agreed to a repayment 
plan and ultimately repaid the balance just before learning of the indictment. Id. 
At trial, the district court excluded evidence proffered by the defendant regarding 
her repayment plan and any related statements. Id.  The defendant appealed 
arguing that the evidence should have been admitted because its relevance was 
not outweighed by the potential for confusion and it prevented her from 
presenting a “viable defense.” Id.  
 
In the unpublished opinion, the Eleventh Circuit discussed this Circuit’s 
prior approach to similar issues and stated that “[a] defendant's intention to 
repay stolen money, and ‘even actual repayment,’ is not a defense to a charge 
under § 641.”  Id. at 135 (citing United States v. Lanier, 920 F.2d 887, 895 (11th 
Cir. 1991); United States v. Suba, 132 F.3d 662, 677 (11th Cir. 1998) 
(“Repayment in the face of litigation does not show a lack of fraudulent intent.”).  
United States v. Scott, 701 F.2d 1340 (11th Cir. 1983) (repayment was irrelevant 
to the offense of intentionally providing false information to acquire loan 
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accounts).  And, after applying Rule 401, 402, and 403, the court held that 
“[b]ecause repayment was not relevant to [the defendant’s] intent to deprive the 
government of its funds under § 641, the district court did not abuse its 
discretion in disallowing evidence of repayment.”  Fields, 327 F. App’x at 135.  
The court likewise excluded any purported statements made by the defendant to 
investigators about repayment on hearsay grounds. Id.  
Here, as in Fields, the crime of defrauding the federal government was 
completed in June 2021, when the SBA issued its forgiveness payment to the 
lender. It is therefore irrelevant whether Acosta has repaid or attempted to repay 
any portion of the money that she fraudulently obtained from her PPP loan 
because failure to repay is not an element of the fraud and intent to repay is not 
a defense. See United States v. Miller, 953 F.3d 1095, 1103 (“Miller's primary 
defense—that he was not guilty of wire fraud because he intended to pay back 
the funds he deceptively obtained from [the victim company]—is not a defense at 
all.”); United States v. Masquelier, 210 F.3d 756 (7th Cir. 2000) (“[The 
defendant's] ultimate intention to make good on the contract is irrelevant to his 
intent to obtain government money to which he was not entitled through 
deceptive means. . . . [T]o hold otherwise would require us to overturn a thousand 
years of criminal law.”). Indeed, evidence of repayment or intent to repay now is 
solely designed for nullification and to play on sympathies of the jury, which will 
otherwise mislead them and confuse the issues in this case.  
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Accordingly, Acosta should be precluded from offering any evidence or 
argument that she has repaid, intends to repay, or has taken steps to repay the 
PPP loan. 
II. 
The Court should preclude evidence and arguments concerning 
any alleged negligence by the victim lenders, loan processors, and 
the SBA. 
 
 
The United States intends to call witness representatives from Cross River 
Bank, its servicers, and the SBA (which administered the PPP program and 
backed the loans, among other things).  The United States respectfully askes the 
Court to preclude Defendant from introducing evidence and arguments 
concerning any alleged negligence by these victims. 
A. 
Courts routinely find evidence of lender negligence inadmissible. 
The Eleventh Circuit has held that evidence of a lender’s alleged negligence 
is not relevant and is properly excluded at trial. United States v. Powell, 509 F. 
App’x 958, 967 (11th Cir. 2013) (“Whether the lenders in this case knew or 
should have known that the loan applications were fraudulent is of no 
consequence to this action. It has no bearing on the essential element of 
[defendant’s] conduct, namely her intent to participate in the mortgage fraud 
scheme.  Whether the lenders were motivated by profit or did, in fact, profit from 
[the defendant’s] efforts is equally immaterial).  “Likewise, whether the lenders 
negligently created an environment of lax lending standards is irrelevant.  
Contributory negligence is not a defense to the crime of fraud.”  Id.  “[W]hatever 
role, if any, a victim’s negligence plays as a bar to civil recovery, it makes little 
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sense as a defense under a criminal statute that embraces ‘any scheme or artifice 
to defraud.’  A perpetrator of fraud is no less guilty of fraud because his victim 
is also guilty of negligence.”  United States v. Svete, 556 F.3d 1157, 1165 (11th 
Cir. 2009) (citations omitted). 
More recently, in United States v. Rabuffo, 716 F. App’x 888, 899 (11th Cir. 
2017), the Eleventh Circuit declined the defendants’ argument to overturn their 
convictions for bank and wire fraud in an extensive mortgage fraud scheme 
based on the district court’s exclusion of certain evidence at trial. The 
defendants’ “arguments rest[ed] on the contention that bad conduct by [the 
mortgage company] and its employees undercut the government’s case, and was 
relevant to whether they (and their co-defendants) committed bank fraud.”  Id.  
The Eleventh Circuit, however, rejected defendants’ argument, affirmed the 
convictions and sentences. Id. In affirming the district court’s decision to exclude 
the evidence, the Rabuffo court noted that “the gravamen of § 1344 is the 
‘scheme,’ rather than the ‘completed fraud,’ and . . . the offense therefore does 
not require ‘damage’ or ‘reliance.’” Id. at 899 (quoting Loughrin v. United States, 
573 U.S. 351, 372 (2014)); see also id. (quoting United States v. Lindsey, 850 
F.3d 1009, 1014 (9th Cir. 2017) (the “lender’s negligence, or even intentional 
disregard, cannot excuse another’s criminal fraud.”). 
B. 
Whether a victim is sophisticated is immaterial to the intent to 
defraud. 
 
In the Eleventh Circuit, as in other circuits, the government need not prove 
that a fraud scheme was calculated to deceive only persons of ordinary prudence 
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and comprehension, as fraud statutes protect the naïve as well as the 
sophisticated. Svete, 556 F.3d at 1165 (“Proof that a defendant created a scheme 
to deceive reasonable people is sufficient evidence that the defendant intended 
to deceive, but a defendant who intends to deceive the ignorant or gullible by 
preying on their infirmities is no less guilty. Either way, the defendant has 
criminal intent.”); see also United States v. Hendrick, 663 F. App’x 788, 790 (11th 
Cir. 2016) (holding that the wire fraud statute “prohibits ‘any scheme or artifice 
to defraud,’ no matter how fanciful and without regard to whether a person of 
ordinary prudence and comprehension would rely upon the misrepresentation”) 
(citing Svete, 556 F.3d at 1169); United States v. Masino, No. 18-15019, 2021 WL 
3235301, at *9 (11th Cir. July 30, 2021) (affirming a wire fraud conviction and 
holding that “the government did not need to prove that the victims were actually 
tricked—or even that a person of ordinary prudence would have been tricked by 
defendants’ scheme”). 
Accordingly, whether the institutional victims’ internal controls or 
personnel were sufficient to detect and prevent fraud is irrelevant to the crimes 
charged in this case, and inadmissible as a defense.   
C. 
Victim negligence is irrelevant for assessing the materiality of a false 
statement. 
 
The federal mail fraud, wire fraud, and bank fraud statutes generally 
require a misrepresentation or concealment of material fact. See Neder v. United 
States, 527 U.S. 1, 22–25 (1999). In assessing whether a misrepresentation of 
fact was material, the Eleventh Circuit has time and time again rejected the 
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argument, commonly made by defendants in fraud cases, that victim negligence 
is somehow relevant to materiality. The materiality requirement does not permit 
defendants to backdoor victim negligence into a case because materiality is an 
objective, rather than subjective, test. See Svete, 556 F.3d at 1165 (holding that 
“the focus of the mail fraud statute . . . is on the violator, [therefore] the purpose 
of the element of materiality is to ensure that a defendant actually intended to 
create a scheme to defraud . . . . [W]hatever role, if any, a victim’s negligence 
plays as a bar to civil recovery, it makes little sense as a defense under a criminal 
statute that embraces ‘any scheme or artifice to defraud.’”); United States v. Scott, 
701 F.2d 1340, 1344–45 (11th Cir. 1983) (rejecting defendant’s assertion that 
loan officers’ testimony that they were not actually influenced by defendant’s 
false statements was evidence that the defendant lacked the intent to influence).  
The materiality requirement is not concerned with whether a 
decisionmaker relied on a false statement, but instead materiality focuses on 
whether a false statement “has a tendency to influence or is capable of 
influencing a decision.” United States v. Neder, 197 F.3d 1122, 1128 (11th Cir. 
1999); see also United States v. Swearingen, 858 F.2d 1555, 1558 (11th Cir. 
1988) (holding that a bank’s actual reliance on false statements is not 
determinative of materiality; materiality turns on “whether the false 
representations were capable of influencing the Bank’s actions”).  
Along similar lines, the Eleventh Circuit has held that actual reliance is 
not a requirement for materiality. See Powell, 509 F. App’x at 967 (“Whether the 
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lenders in this case knew or should have known that the loan applications were 
fraudulent is of no consequence to this action.”); see also Neder, 197 F.3d at 
1129 (“[T]he issue is whether a statement has a tendency to influence or is 
capable of influencing a decision, and not whether the statement exerted actual 
influence, a false statement can be material even if the decision maker did not 
actually rely on the statement.”). 
As noted above, the Eleventh Circuit in Rabuffo rejected the argument, 
commonly made by defendants in fraud cases, that victim negligence is somehow 
relevant to materiality. As the Rabuffo court observed, the materiality 
requirement does not allow defendants to backdoor victim negligence into a case 
because materiality is an objective, not subjective, test. Rabuffo, 716 F. App’x at 
899–900 (holding that defendants’ contention that they could not have 
committed bank fraud if the negligent or complicit mortgage processer knew that 
the statements were false “misse[d] the mark” because materiality focuses on the 
violator’s intent); see also Lindsey, 850 F.3d at 1015 (“A false statement is 
material if it objectively had a tendency to influence, or was capable of 
influencing, a lender to approve a loan.”). The materiality requirement is not 
concerned with a statement’s subjective effect, but instead on a statement’s 
objective reliability. Svete, 556 F.3d at 1165; see also Neder, 527 U.S. at 24–25 
(“The common-law requirement[ ] of ‘justifiable reliance’ . . . ha[s] no place in the 
federal fraud statutes.”).  
 
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D. 
The relevant inquiry is Acosta’s intent, not the victim’s negligence. 
 
In the instant case, the relevant inquiry is whether: (i) Acosta submitted 
or caused to be submitted fraudulent PPP loan applications; (ii) whether Acosta 
had the requisite intent to defraud; and (iii) whether the information that Acosta 
caused to be submitted to the SBA victim lenders was material (as to Count 4 
only), that is, had the capacity or natural tendency to influence a person’s 
decision. Hindsight challenges to any of these institutional victims’ internal 
controls are irrelevant, waste time, and create the risk of jury confusion.  See 
Fed. R. Evid. 404(b). 
Accordingly, this Court should prohibit Defendant from introducing 
evidence or making arguments concerning any supposed victim negligence, 
including any criticism of a PPP lender, loan processors, or SBA’s internal 
controls, as well as the internal controls of banks and financial institutions 
whose accounts were used to receive or transfer fraudulent loan proceeds.  
United States v. Biesiadecki, 933 F.2d 539, 544 (7th Cir. 1991) (upholding 
exclusion of testimony that “would have improperly shifted the jury’s attention 
away from the knowledge and intent of [defendant] and focused instead on the 
beliefs of the victim of the alleged scheme to defraud”).  
For similar reasons, the Court should exclude any evidence and 
arguments concerning the SBA’s guarantees to PPP lenders as a defense to the 
alleged fraud.  The government does not know on what basis Defendant would 
try to introduce evidence or make arguments concerning this guarantee, but any 
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such evidence or argument should be excluded as irrelevant to the case, a waste 
time, and tending to confuse and mislead the jury.  Even in civil cases, where a 
victim’s negligence might be relevant to damages, evidence of financial 
compensation (insurance) is inadmissible to prove negligence or wrongdoing.  
Fed. R. Evid. 411.  This is truer in the criminal context of the instant case, where 
victim negligence is irrelevant, and should therefore be excluded. 
III. 
The Court should preclude evidence and arguments concerning 
any profit by the above-referenced victims. 
 
The Eleventh Circuit has held that “[w]hether the lenders were motivated 
by profit or did, in fact, profit from [defendant’s] efforts is equally immaterial.” 
Powell, 509 F. App’x at 967. “[T]he government can convict a person for mail or 
wire fraud even if his targeted victim never encountered the deception—or, if he 
encountered it, was not deceived.’” Id. (quoting United States v. Svete, 556 F.3d 
at 1166 ; see also Rabuffo, 716 F. App’x at 900 (“Our precedent thus establishes 
that whether [the victims] . . . would have or in fact did rely on the fraudulent 
statements contained in the mortgage applications does not undermine the 
fairness of the trial or the jury’s findings.”); United States v. Gray, 367 F.3d 1263, 
1269–70 (11th Cir. 2004) (finding defendant guilty of mail fraud the moment the 
defendant mailed a letter with fraudulent misstatements, noting that even had 
victim not received the letter defendant would still be guilty of mail fraud).  
Therefore, the Court should exclude any evidence and arguments concerning 
any profits the victim lenders may have made as a result of the loans that are at 
issue in this scheme. 
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IV. 
The Court should preclude evidence and argument relating to jury 
nullification, including evidence and/or argument about the 
nature of the prosecution, use of federal resources, and the United 
States’s charging decisions. 
 
Any statements or arguments from the defense regarding uncharged co-
conspirators, or selective prosecution, are not relevant to the defendant’s guilt, 
have no probative value, and should be precluded.  United States v. Armstrong, 
517 U.S. 456, 463 (1996) (“[a] selective-prosecution claim is not a defense on the 
merits to the criminal charge itself, but an independent assertion that the 
prosecutor has brought the charge for reasons forbidden by the Constitution”); 
United States v. Shaygan, 652 F.3d 1297, 1314 (11th Cir. 2011) (“[T]he 
Government retains ‘broad discretion’ as to whom to prosecute,” and the 
“decision to prosecute is particularly ill-suited to judicial review.”) (quoting 
Wayte v. United States, 470 U.S. 598, 607 (1985)).  Any statements by defense 
counsel regarding the exercise of prosecutorial discretion in this case have no 
probative value and are only meant to prejudice the jury.  Fed. R. Evid. 403. 
Moreover, permitting such argument would be tantamount to a request for 
jury nullification.  “Nullification is, by definition, a violation of a juror’s oath to 
apply the law as instructed by the court – in the words of the standard oath 
administered to jurors in the federal courts, to ‘render a true verdict according 
to the law and the evidence.’”  United States v. Thomas, 116 F.3d 606, 614 (2d 
Cir. 1997) (citation omitted).  The Eleventh Circuit has unequivocally 
disapproved of this practice and has issued clear instructions that “defense 
counsel may not argue jury nullification during closing argument.”  United States 
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v. Trujillo, 714 F.2d 102, 106 (11th Cir. 1983); see United States v. Funches, 135 
F.3d 1405, 1409 (11th Cir. 1998) (collecting cases in support of proposition that 
a defendant has no right to present evidence or make arguments geared towards 
nullification).  Because “the potential for nullification is no basis for admitting 
otherwise irrelevant evidence,” Funches, 135 F.3d at 1409, the United States 
moves to exclude evidence and to preclude argument designed to convince the 
jury to acquit not because the United States failed to prove the charged crimes, 
but because a guilty verdict would be contrary to a sense of justice, morality, or 
fairness.  Washington v. Watkins, 655 F.2d 1346, 1374 n.54 (5th Cir. 1981) 
(noting that with respect to jury nullification, courts “have almost uniformly held 
that a criminal defendant is not entitled to an instruction that points up the 
existence of that practical power to his jury”); United States v. Gorham, 523 F.2d 
1088, 1097–98 (D.C. Cir. 1975) (affirming trial court’s refusal to admit evidence 
bearing no legal relation to the charges but which might encourage a “conscience 
verdict” of acquittal). 
Improper arguments would include, for example, suggestions that the 
prosecution is unfair because the United States has prosecuted some 
individuals, but not others. Furthermore, the identity and quantity of individuals 
charged in connection with the scheme at issue, the reasons behind the United 
States’s charging decisions, and the culpability of the United States as compared 
to other individuals are all examples of irrelevant and unfairly prejudicial 
evidence aimed at jury nullification.  See, e.g., United States v. Thompson, 253 
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F.3d 700 (5th Cir. 2001) (upholding grant of the government’s motion in limine 
to prevent counsel from comparing defendant’s conduct to that of other 
uncharged or immunized witnesses); United States v. Re, 401 F.3d 828, 833 (7th 
Cir. 2005) (finding that the government’s exercise of prosecutorial discretion is 
not proper subject for cross-examination).  Thus, Acosta should be precluded 
from making arguments or comments to the jury—and from eliciting statements 
on cross-examination—which are irrelevant to the record evidence and charges 
and that are, instead, designed to encourage a verdict without regard to the law. 
Certificate Pursuant to Local Rule 88.9 
 
Pursuant to Local Rule 88.9, undersigned counsel met and conferred in 
good faith with counsel of record for Defendant Alexandra Acosta, Attorney Brian 
Silber, via Microsoft Teams on May 1, 2024, and via telephone on May 6, 2024, 
in an attempt to resolve the issues raised in this Motion. The Parties agree as to 
the exclusion of evidence and arguments set forth in Sections II–IV, but the 
parties are unable agree as to the exclusion of evidence and arguments discussed 
in Section I.   
Conclusion 
 
For the foregoing reasons, the United States of America respectfully 
submits that this Court should exclude the following:  
1. 
Evidence and arguments of any attempt or successful repayment of 
the fraudulent funds to the SBA. 
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2. 
Evidence and arguments concerning any alleged negligence by the 
victim lender, their loan processors, or the United States Small 
Business Administration (“SBA”); 
3. 
Evidence and arguments concerning any profit by the above-
referenced victims; and 
4. 
Evidence and arguments relating to jury nullification, including 
evidence and argument about the nature of the prosecution, use of 
federal resources, and the United States’s charging decisions. 
Respectfully submitted, 
 
    
MARKENZY LAPOINTE 
  
 
UNITED STATES ATTORNEY 
 
 
BY:      Trevor C. Jones 
TREVOR C. JONES 
Assistant United States Attorney 
Fla. Bar No. 0092793 
500 E. Broward Blvd., 7th Floor 
 
Fort Lauderdale, Florida 33394 
Tel: (786) 564-9109 
Trevor.Jones@usdoj.gov  
 
 
 
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