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Home Court filings United States v. Derek James Acree Government Response to PSR Objection — United States v. Derek James Acree (S.D. Fla.)

Court filing

Government Response to PSR Objection — United States v. Derek James Acree (S.D. Fla.)

Filed December 28, 2022 in U.S. v. Acree; one of 12 filings from this case.

Record facts

CourtU.S. District Court, Southern District of Florida
Filed2022-12-28

U.S. District Court, Southern District of Florida · No. 9:22-cr-80157-AHS · Doc. 22 · 2022-12-28 · Docket on CourtListener

Full text

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UNITED STATES DISTRICT COURT 
 
SOUTHERN DISTRICT OF FLORIDA 
 
 
CASE NO. 22-CR-80157-AHS 
 
UNITED STATES OF AMERICA 
 
vs. 
 
DEREK JAMES ACREE, 
 
 
Defendant. 
_____________________________ 
 
GOVERNMENT’S RESPONSE IN OPPOSITION TO DEFENDANT’S 
OBJECTION TO THE PRESENTENCE INVESTIGATION REPORT 
 
The United States, by and through the undersigned Assistant United States Attorney, 
hereby files its response in opposition to Defendant’s Objection to Paragraph 45 of the Presentence 
Investigation Report (“PSR”). (DE 18).  The undersigned Assistant United States Attorney states 
as follows: 
 
In his objection to the PSR, Defendant Acree acknowledges that the executed plea 
agreement, although not binding on the Court, provides and holds the defendant accountable for 
the intended loss of $1,612,555, and as such, contemplates an increase of 16-levels from the 
applicable base offense level, pursuant to Section 2B1.1(b)(1)(I) of the Sentencing Guidelines 
(2021) (DE 18, 11 at ¶ 6(b)).   Notwithstanding the terms of the plea agreement, the Defendant 
urges this Court to consider a sentence limited to a loss calculation based on actual loss, that is, 
$1,262,000. (DE 18).   The United States submits that the intent of the Defendant was to benefit 
himself (and others) with ALL the loan proceeds fraudulently obtained and there is no evidence 
that the Defendant did not intend to utilize ALL the funds disbursed. 
In reliance on the Third Circuit’s decision in United States v. Banks, 55 F 4th 246, 19-3812, 
2022 WL 17333797 (Nov. 30, 2022), the Defendant requests that the Court discount the funds 
Case 9:22-cr-80157-AHS   Document 22   Entered on FLSD Docket 12/28/2022   Page 1 of 6

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recovered by Flagler Bank, that is, $349,955.00, as those funds were recovered by the financial 
institution.  In Banks, the Third Circuit assessed whether a “District Court erroneously applied the 
intended-loss enhancement to [the defendant’s] sentence when the victim suffered $0 in actual 
losses.” Id. at *5.  In this case, the Defendant intended the disbursement of funds to the beneficiary 
entity’s account, over which he had complete control.  The government submits that each of the 
Defendant's fraudulent act to obtain money represents an intended loss for purposes of establishing 
his base offense level for sentencing for CARES Act wire fraud.  The fact that the financial 
institution was able to recover the funds should not influence and diminish the consequence that 
should be accorded based on the Defendant’s intent and conduct.  Furthermore, the Third Circuit’s 
finding in Banks is in direct conflict with the case law in this Circuit and cited herein.    
The Eleventh Circuit in United States v. Patterson, 595 F.3d 1324 (11th Cir. 2010), pointed 
out that a defendant “pays the price for the ambition of his acts, not their thoroughness.” Id. 595 
F.3d at 1327.  Recently, in United States v. Moss, 34 F.4th 1176 (11th Cir. May 20, 2022), the 
Eleventh Circuit addressed the calculation of intended loss under the Sentencing Guidelines. The 
Court held that the district court did not clearly err by calculating the defendant’s intended loss by 
using “the amount Moss had billed to Medicare, reduced by 10 percent, which was the court’s 
estimate of the value of the legitimate medical services he had provided.” In distinguishing United 
States v. Moran, 778 F.3d 942, 974-45 (11th Cir. 2015) —where the Court held the district court 
did not clearly err when it found that the amount paid by Medicare, instead of the billed amount, 
was the intended loss—because (1) the defendants in Moran submitted evidence demonstrating 
that they had been aware of Medicare’s lower reimbursement rate and had projected future revenue 
in accordance with that rate, which this defendant did not do; and (2) the district court wide had 
discretion to include within intended loss “even loss and harm that is unlikely to occur.”  This 
Case 9:22-cr-80157-AHS   Document 22   Entered on FLSD Docket 12/28/2022   Page 2 of 6

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Court should reject the Defendant’s Objection to the PSR and impose a term of imprisonment 
within the applicable guideline level.   
As a general rule, the amount of loss under the Sentencing Guidelines is the greater of 
actual loss or intended loss. See United States Sentencing Commission, Guidelines Manual, § 
2B1.1 cmt. n. 3(A) (Nov. 2021) (“USSG Manual”); United States v. Grant, 431 F.3d 760, 762 
(11th Cir. 2005). Actual loss is defined as the reasonably foreseeable pecuniary harm that resulted 
from the offense and intended loss is defined as the pecuniary harm that was intended to result 
from the offense. USSG Manual § 2B1.1 cmt. n. 3(A)(i)-(ii) (emphasis added). 
The burden of proving the extent of the loss at sentencing falls squarely on the government 
and proof of the extent of loss must be accomplished by a preponderance of the evidence.  See 
United States v. Ndiaye, 434 F.3d 1270, 1300 (11th Cir. 2006); United States v. Dabbs, 134 F.3d 
1071, 1082 (11th Cir. 1998); United States v. Sepulveda, 115 F.3d 882, 890 (11th Cir. 1997).  Once 
the government “support[s] its loss calculation with reliable and specific evidence,” United States 
v. Liss, 265 F.3d 1220, 1230 (11th Cir. 2001) (internal citation omitted), the burden shifts to the 
defendant to rebut the government’s loss calculation.   
A sentencing court must include in its calculation any losses caused by “relevant conduct.” 
United States v. Foley, 508 F.3d 627, 633 (11th Cir. 2007)(citing United States v. Hamaker, 455 
F.3d 1316, 1336 (11th Cir. 2006)).  Relevant conduct under the USSG includes all acts and 
omissions that were part of the same course of conduct or common scheme or plan as the offense 
of conviction.  Hamaker, 455 F.3d at 1336.  The record before this Court contains Acree’s guilty 
plea supported by an executed stipulated factual basis, stipulations in Acree’s plea agreement 
wherein the Defendant agreed to the intended loss amount, and the undisputed facts in the 
Case 9:22-cr-80157-AHS   Document 22   Entered on FLSD Docket 12/28/2022   Page 3 of 6

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PSR.  (DE 11, 12).  Taken together, they support a finding of loss in the amount of 
$1,612,555. See United States v. Petrie, 302 F.3d 1280, 1290 (11th Cir. 2002).   
To reap the benefits of the CARES Act provision to small businesses impacted by the 
COVID-19 pandemic, in March and April 2020, Acree, either individually or in concert with 
another, and on behalf of various entities, submitted six (6) fraudulent loan applications (three 
Paycheck Protection Program (“PPP”) loans, and three Economic Injury Disaster Loans 
(“EIDL”)).  Of the six fraudulent applications, four were approved and funded for an aggregate 
amount of $1,612,555.1 With respect to the remaining two loan submissions, the Defendant sought 
an additional $2.2 million in EIDL proceeds.  These two fraudulent applications were denied. 2 
The government notes that this matter was resolved by a negotiated plea and the 
government sought not to pursue the additional intended loss amount of $2.2M.  Seeking a 
resolution outside of the plea agreement could be construed as adverse to such agreement.  
 
 
 
1    
Application Date 
and Loan Type 
Beneficiary Entity 
Amount Funded 
Victim 
3/31/2020 - 
(EIDL) 
National Financial Holding Inc.  
$509,900.00 
SBA 
4/3/2020 - (PPP) 
National Financial Holding Inc.   
$376,300.00 
First Home Bank 
4/17/2020 - (PPP) 
NFH Florida, LLC 
$376,400.00 
Truist Bank/BB&T 
4/20/2020 - (PPP) 
National Financial Holding Technology, LLC 
$349,955.00 
Flagler Bank 
 
2  
Application Date 
and Loan Type 
Beneficiary Entity 
Amount Sought 
Intended Victim 
4/14/2020 - (EIDL) 
National Financial Holding Inc.   
$2,000,000 
(Declined) 
SBA 
4/9/2020 - (EIDL) 
Acree & Associates  
$200,000 
(Declined) 
SBA 
 
Case 9:22-cr-80157-AHS   Document 22   Entered on FLSD Docket 12/28/2022   Page 4 of 6

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CONCLUSION 
WHEREFORE, based on the foregoing, the United States respectfully requests that the 
Court deny the reject the Defendant’s objection to the PSR.  
Respectfully submitted,  
JUAN ANTONIO GONZALEZ 
UNITED STATES ATTORNEY 
 
By: 
                                      
ROBIN W. WAUGH 
Assistant United States Attorney 
Florida Bar No. 0537837 
500 S. Australian Avenue 
West Palm Beach, Florida 33401 
Tel: (561) 820-8711 
Robin.waugh@usdoj.gov   
 
 
 
Case 9:22-cr-80157-AHS   Document 22   Entered on FLSD Docket 12/28/2022   Page 5 of 6

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CERTIFICATE OF SERVICE 
I HEREBY CERTIFY that on December 28, 2022, I electronically filed the foregoing 
document with the Clerk of the Court using CM/ECF. 
 By: 
                                   
ROBIN W. WAUGH 
ASSISTANT UNITED STATES ATORNEY 
Case 9:22-cr-80157-AHS   Document 22   Entered on FLSD Docket 12/28/2022   Page 6 of 6

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