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Home Court filings USA v. Crowther United States v. Casey David Crowther — M.D. Fla., No. 2:20-cr-114-JES-MRM Second Motion in Limine by USA as to Casey David Crowther — USA v. Crowther (Dkt. 77, M.D. Fla. No. 2:20-mj-01094, docketed in No. 2:20-cr-00114)

Court filing

Second Motion in Limine by USA as to Casey David Crowther — USA v. Crowther (Dkt. 77, M.D. Fla. No. 2:20-mj-01094, docketed in No. 2:20-cr-00114)

Filed March 8, 2021 in USA v. Crowther; one of 318 filings from this case.

Record facts

CourtU.S. District Court for the Middle District of Florida
Filed2021-03-08

U.S. District Court for the Middle District of Florida · No. 2:20-cr-00114 · Doc. 77 · 2021-03-08 · Docket on CourtListener

Full text

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UNITED STATES DISTRICT COURT 
MIDDLE DISTRICT OF FLORIDA 
FORT MYERS DIVISION 
 
UNITED STATES OF AMERICA 
 
v. 
CASE NO. 2:20-cr-114-JES-MRM 
 
CASEY DAVID CROWTHER 
 
UNITED STATES OF AMERICA’S MOTION IN LIMINE 
REGARDING EVIDENCE OF “GOOD STANDING” 
 
 
The United States of America seeks an order prohibiting Defendant 
Casey Crowther from eliciting testimony, introducing evidence, or making 
argument that he, Target Roofing and Sheet Metal, Inc. (Target Roofing), or 
their respective accounts and loans with the Lender and the Mortgage Lender 
remain in good standing with those financial institutions.  The United States 
also requests an order prohibiting Crowther from eliciting testimony, 
introducing evidence, or making argument regarding the absence of either of 
those financial institutions planning to default or defaulting those loans or 
accounts, or otherwise planning to initiate or initiating legal proceedings, on 
any account or loan.  
Introduction 
The defendant is charged in a seven-count second superseding 
indictment with bank fraud (18 U.S.C. § 1344) (Counts One and Five), false 
statements to a lending institution (18 U.S.C. § 1014) (Counts Two and Six), 
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and illegal monetary transactions (18 U.S.C. § 1957) (Counts Three, Four, and 
Seven). Doc. 62.  The seven charges can be grouped into two categories:  those 
related to Crowther’s procurement of a Paycheck Protection Program (PPP) 
loan from the Lender and those related to Crowther’s procurement of a 
mortgage loan from the Mortgage Lender. 
With respect to the PPP loan, the government intends to prove that 
Crowther applied for an approximately $2.1 million loan from the Lender on 
behalf of his company Target Roofing.  When he applied for the loan, 
Crowther represented to the bank that Target Roofing would only use the 
proceeds of the loan for things like payroll and rent, even though he intended 
to impermissibly use the proceeds to benefit himself.  Upon receipt of the PPP 
money, Crowther quickly and directly diverted much of it to purchase a nearly 
$700,000 boat and pay $100,000 in debt to an old business partner.1  Crowther 
took steps to conceal the payments by describing the wire for the boat as 
“equipment” and the wire to the ex-business partner as “payroll.”2 
With respect to the mortgage loan, the government intends to prove 
that Crowther doctored bank account statements to artificially inflate the 
balance in an account he controlled.  Crowther then used the inflated balance 
 
1 Crowther had been negotiating the purchase of the boat prior to obtaining the PPP 
loan. 
2 The ex-business partner was not owed any back pay. 
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and doctored statements to make representations to the Mortgage Lender 
about his financial condition.  The Mortgage Lender relied on those 
representations and statements when it later made the loan. 
Neither the Lender nor the Mortgage Lender have defaulted Target 
Roofing or Crowther under their respective loans at the time of this motion.3  
Crowther, in past communications with the government and filings with the 
Court, has suggested that the lack of such action by the financial institutions is 
evidence that Crowther committed no crimes.  His argument goes like this:  if 
the banks haven’t defaulted Crowther on the loans, they must not think he did 
anything wrong, and if the banks don’t think Crowther did anything wrong, 
how can they have been defrauded?  The Court should not permit this type of 
evidence or argument.4   
The argument is unavailing at for least three reasons.5  First, it is 
irrelevant that Crowther and Target Roofing are in good standing at the banks 
 
3 In fact, the mortgage loan has already been repaid as the government permitted 
Crowther to sell the house after it was seized by law enforcement agents in 
connection with this case.  See Doc. 43. 
4 There is little doubt that defendant would object if the shoe were on the other 
foot—the government trying to introduce evidence of Crowther’s default on a loan to 
prove bank fraud, or the government pointing to the existence of a lawsuit to prove 
criminality. 
5 In a September 21, 2020 letter, counsel for Crowther provided the government with 
a letter of good standing issued by the Lender to Target Roofing on September 9, 
2020.  Counsel argued, “[the Lender] clearly does not consider itself a victim of bank 
fraud.  If Mr. Crowther’s accounts are in good standing, including his PPP loan, it is 
difficult to understand how the bank, the SBA, the government or anyone believes he 
misrepresented the facts.”  Counsel also stated in a motion to dismiss the indictment 
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and have not been sued.  The banks may have practical, business, or legal 
reasons for not having pursued civil remedies yet. 
Second, such evidence is also inadmissible because it is improper lay 
opinion masquerading as fact.  Offering evidence of good standing at the bank 
to prove that the defendant did not lie to the bank is the equivalent of offering 
the bank’s opinion that the defendant did not lie to the bank.  As a matter of 
evidence, such opinion is inadmissible. 
Third, the value of such evidence is substantially outweighed by the 
danger of misleading and confusing the jury, and unfairly prejudicing the 
government’s case.  The actions and thoughts of the victims, the Lender and 
the Mortgage Lender, are likely to hold considerable sway with the jury.  
Permitting Crowther to argue that the actions (or inactions) of the banks 
suggest they believe he is innocent is precisely the type of misleading, 
confusing, and prejudicial evidence that should be excluded. 
Argument 
   The crime of bank fraud occurs when one knowingly “engaged in a 
scheme or artifice to defraud, or made materially false statements or 
representations to obtain moneys, funds, or credit” from a financial 
institution.  United States v. De La Mata, 266 F.3d 1275, 1298 (11th Cir. 2001).  
 
filed in this case that “Target remains a valued customer of the Bank and its accounts 
remain in good standing” to bolster an argument for dismissal.  Doc. 25. 
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The crime of false statement to a financial institution occurs when “a 
defendant made a false statement or report or willfully overvalued any land 
property or security … for the purpose of influencing in any way the action” of 
a financial institution.  United States v. Greene, 862 F.2d 1512, 1514 (11th Cir. 
1989).   
From previous communications and Court filings, the government 
believes Crowther is likely to claim that his good standing with the banks is 
admissible evidence that he did not lie to them.  The government strongly 
disagrees. 
Evidence is only admissible if it is relevant.  Fed. R. Evid. 402.  And 
evidence is only relevant if it has “any tendency to make a fact more or less 
probable than it would be without the evidence” and the fact is of consequence 
in the case.  Fed. R. Evid. 401.   That Crowther is in good-standing with the 
Lender or the Mortgage Lender does not, in and of itself, say anything about 
whether he made misrepresentations to them.  Crowther is certainly not the 
first defendant to face criminal charges well before civil processes were 
initiated.   
The only way to get within eyesight of relevancy is to assume that good 
standing and the lack of defaults suggest that the banks hold the opinion that 
Crowther did not lie to them.  But, such opinion evidence is inadmissible.  
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Lay opinion evidence is only admissible if it is rationally based on the 
witness’s perception and helpful to determining a fact in issue.  Fed. R. Evid. 
701.6   
The rationally-based-in-perception prong is “the familiar requirement of 
first hand-knowledge or observation.”  United States v. Jayyousi, 657 F.3d 1085, 
1102 (11th Cir. 2011).  In that regard: “[T]he opinion of a lay witness on a 
matter is admissible only if it is based on first-hand knowledge or 
observation—for example, a witness' opinion that a person with whom he had 
spoken was drunk, or that a car he observed was traveling in excess of a 
certain speed.”  United States v. Marshall, 173 F.3d 1312, 1315 (11th Cir. 1999).   
The helpful-to-the-jury requirement exists to provide “assurances 
against the admission of opinions which would merely tell the jury which 
result to reach.”  Fed. R. Evid. 704 Advisory Cmtte. Note 1972 (discussing 
Fed. R. Evid. 701).  “Seldom will be the case when a lay opinion on an 
ultimate issue will meet the test of being helpful to the trier of fact since the 
jury’s opinion is as good as the witness’.”  Slayton v. Ohio Dept. Youth Services, 
206 F. 3d 669, 676 (6th Cir. 2000). 
 
6 The rule also permits lay opinion in circumstances where the opinion would be 
helpful to understanding the witness’s testimony, which is far afield of the discussion 
here. 
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In this case, the Lender and the Mortgage Lender representatives have 
no first-hand knowledge of Crowther’s activities other than their interactions 
with him, which make up a small portion of the total evidence in this case.  
No Lender representative, for instance, was present when Crowther settled on 
the base price of the boat a day after he was approved for a PPP loan.  No 
Mortgage Lender representative has personal knowledge that Crowther sent 
them doctored bank statements.  The representatives lack adequate personal 
knowledge to opine as to whether Crowther lied to them or not. 
Even if the lenders had firsthand knowledge of everything presented to 
the jury, their opinion as to whether Crowther made misrepresentations isn’t 
“helpful” to the jury.  The jury is just as capable as the lenders to make that 
determination, indeed, it is their job to do so.  This type of testimony and 
argument is nothing more than telling the jury what result to reach.  
Good standing and lack of default evidence is also excludable as 
misleading, confusing, and unfairly prejudicial to the government under 
Federal Rule of Evidence 403.  As discussed above, the government believes 
such evidence has no probative value.   Yet, the risks inherent in the 
introduction of such evidence is extremely high.  Admitting the evidence 
would allow Crowther to provide the jury with information and argument 
which confusingly and misleadingly suggest that the victims in this case believe he 
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is innocent.  The power of victim testimony to a jury is obvious and, here, that 
power carries a significant risk that the jury will place undue weight on 
evidence of vanishingly small probative value.  
Respectfully submitted, 
 
By: 
 /s/Michael V. Leeman                         
Michael V. Leeman  
Assistant United States Attorney 
Florida Bar No. 0084422 
2110 First Street, Suite 3-137 
Ft. Myers, Florida 33901 
Telephone: (239) 461-2200 
Facsimile: 
(239) 461-2219 
E-mail:  Michael.leeman@usdoj.gov
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U.S. v. Casey David Crowther   
   Case No. 2:20-cr-114-JES-MRM 
CERTIFICATE OF SERVICE 
 
I hereby certify that on March 8, 2021, I electronically filed the 
foregoing with the Clerk of the Court by using the CM/ECF system which 
will send a notice of electronic filing to the following: 
Nicole H. Waid  
nicole.waid@fisherbroyles.com  
 
Brian Dickerson 
brian.dickerson@fisherbroyles.com 
 
 
 
 
 
 
 
 
 
/s/ Michael V. Leeman                     
 
 
 
 
 
 
 
Michael V. Leeman  
 
 
 
 
 
 
 
Assistant United States Attorney 
Case 2:20-cr-00114-JES-M_M     Document 77     Filed 03/08/21     Page 9 of 9 PageID 292

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