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Home Source documents Memorandum in Support of Motion to Dismiss Count One — United States v. Rafael Martinez (S.D.N.Y.)

Memorandum in Support of Motion to Dismiss Count One — United States v. Rafael Martinez (S.D.N.Y.)

Issuer
UNITED STATES DISTRICT COURT
Document type
Indictment
Date
2022-12-02
Case
The Cleveland doctrine and Kelly v. United States ............................................... 5

Summary

A memorandum of law in support of defendant Rafael Martinez's motion to dismiss Count One of the indictment in United States v. Rafael Martinez, 22 Cr. 251 (LJL), in the U.S. District Court for the Southern District of New York, filed December 2, 2022 as Document 33. The memorandum states that Count One charges wire fraud under 18 U.S.C. § 1343 in connection with seeking Small Business Administration approval of MBE Capital Partners as a non-bank lender under the Paycheck Protection Program. It argues that government approval to operate as a lender is not property under the wire fraud statute, relying on Cleveland v. United States and Kelly v. United States. It asks the court to dismiss Count One under Fed. R. Crim. P. 12(b)(3)(B)(v) and requests oral argument. Counsel are Morvillo, Abramowitz, Grand, Iason & Anello, P.C. and Willkie Farr & Gallagher LLP.

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      Case 1:22-cr-00251-LJL      Document 33   Filed 12/02/22    Page 1 of 17




UNITED STATES DISTRICT COURT
SOUTHERN DISTRICT OF NEW YORK

                                       )
UNITED STATES OF AMERICA               )
                                       )
            - v. -                     )
                                       )    22 Cr. 251 (LJL)
RAFAEL MARTINEZ,                       )    ORAL ARGUMENT REQUESTED
                                       )
                     Defendant.        )
                                       )




             MEMORANDUM OF LAW IN SUPPORT OF DEFENDANT
                RAFAEL MARTINEZ’S MOTION TO DISMISS
                   COUNT ONE OF THE INDICTMENT




Dated: December 2, 2022                     MORVILLO, ABRAMOWITZ
       New York, New York                   GRAND, IASON & ANELLO, P.C.
                                            Elkan Abramowitz
                                            Telemachus P. Kasulis
                                            Russell J. Feldman
                                            565 Fifth Avenue
                                            New York, New York 10017

                                            WILLKIE FARR & GALLAGHER LLP
                                            Michael S. Schachter
                                            Randall Jackson
                                            787 Seventh Avenue
                                            New York, New York 10019

                                            Attorneys for Defendant Rafael Martinez
           Case 1:22-cr-00251-LJL                      Document 33                 Filed 12/02/22               Page 2 of 17




                                                   TABLE OF CONTENTS

TABLE OF AUTHORITIES .......................................................................................................... ii

PRELIMINARY STATEMENT .................................................................................................... 1

STATEMENT OF FACTS ............................................................................................................. 1

ARGUMENT .................................................................................................................................. 2

     I.         Count One Must Be Dismissed Because It Fails to Allege a Scheme to
                Defraud a Victim of Property Under Binding Supreme Court Precedent .................... 2

          A.         Relevant law ............................................................................................................ 2

                1.     Background on the “property” requirement in wire fraud cases ........................... 2

                2.     The Cleveland doctrine and Kelly v. United States ............................................... 5

          B.         Discussion ............................................................................................................... 9

CONCLUSION ............................................................................................................................. 13




                                                                       i
          Case 1:22-cr-00251-LJL                     Document 33               Filed 12/02/22              Page 3 of 17




                                               TABLE OF AUTHORITIES

                                                                                                                               Page(s)
Cases

Carpenter v. United States,
      484 U.S. 19 (1987) ...................................................................................................... 4, 5, 9

Cleveland v. United States,
       531 U.S. 12 (2000) ..................................................................................................... passim

Fasulo v. United States,
       272 U.S. 620 (1926) .......................................................................................................... 12

Fountain v. United States,
      357 F.3d 250 (2d Cir. 2004)................................................................................................ 3

Hammerschmidt v. United States,
     265 U.S. 182 (1924) ............................................................................................................ 4

Kelly v. United States,
        140 S. Ct. 1565 (2020) ............................................................................................ 1, 3, 8, 9

McNally v. United States,
      483 U.S. 350 (1987) .................................................................................................. 3, 4, 12

Skilling v. United States,
        561 U.S. 358 (2010) ............................................................................................................ 4

Toulabi v. United States,
       875 F.2d 122 (7th Cir. 1989) .............................................................................................. 6

United States v. Dadanian,
       856 F.2d 1391 (9th Cir. 1988) ............................................................................................ 6

United States v. Evans,
       844 F.2d 36 (2d Cir. 1988).............................................................................................. 3, 9

United States v. Granberry,
       908 F.2d 278 (8th Cir. 1990) .............................................................................................. 6

United States v. Murphy,
       836 F.2d 248 (6th Cir. 1988) .............................................................................................. 6

United States v. Pierce,
       224 F.3d 158 (2d. Cir. 2000)............................................................................................... 5



                                                                    ii
           Case 1:22-cr-00251-LJL                      Document 33                Filed 12/02/22               Page 4 of 17




United States v. Pirro,
       212 F.3d 86 (2d Cir. 2000).................................................................................................. 2

United States v. Sadler,
       750 F.3d 585 (6th Cir. 2014) (Sutton, J.) .......................................................................... 12

United States v. Schwartz,
       924 F.2d 410 (2d Cir. 1991)............................................................................................ 6, 9

United States v. Shotts,
       145 F.3d 1289 (11th Cir. 1998) .......................................................................................... 6

Statutes

15 U.S.C. § 645(a) .................................................................................................................... 2, 10

18 U.S.C. § 1343 ......................................................................................................................... 2, 3

18 U.S.C. § 1346 ........................................................................................................................... 12

Other Authorities

CARES Act Section 1102 Lender Agreement – Non-Bank and Non-Insured
     Depository Institution Lenders ......................................................................................... 10

Petition for a Writ of Certiorari,
        Ciminelli v. United States, (No. 21-1170) (filed Feb. 18, 2022),
        available at 2022 WL 566444 ............................................................................................ 5

Rules

Fed. R. Crim. P. 12(b)(3)(B)(v) ...................................................................................................... 2




                                                                      iii
       Case 1:22-cr-00251-LJL         Document 33        Filed 12/02/22     Page 5 of 17




                               PRELIMINARY STATEMENT

       This case presents yet another attempt by the government to expand the definition of

“property” in the federal wire fraud statute beyond the bounds approved by Congress and the

Supreme Court. In essence, the government’s theory in Count One of the Indictment is that Rafael

Martinez made misrepresentations to the Small Business Administration in connection with an

application he submitted for his company to become a non-bank lender under the Paycheck

Protection Program. Even if true, this conduct would not be wire fraud. Despite the Supreme

Court’s repeated admonishments that the government not read the “property” element of the wire

fraud statute broadly, the prosecution’s theory of government imprimatur as “property” in this case

is nearly identical to the approach rejected by the Supreme Court in Cleveland v. United States,

531 U.S. 12 (2000) and Kelly v. United States, 140 S. Ct. 1565 (2020). For the same reasons the

Court rebuffed the government in those cases, Count One must be dismissed.

                                  STATEMENT OF FACTS

       In March 2020, the COVID-19 pandemic profoundly disrupted all American businesses,

regardless of size or ownership. In response, the United States government quickly made available

massive financial relief to businesses and individuals around the country. Among other emergency

measures, the government created the Paycheck Protection Program (the “PPP”) to provide funds

to businesses so that they could continue to pay salaries and certain other expenses. Mr. Martinez

successfully applied for his company, MBE Capital Partners, to become a non-bank lender under

PPP.

       As relevant here, Count One of the Indictment charges Mr. Martinez with wire fraud in

connection with his role in seeking Small Business Administration (“SBA”) approval of MBE as

a non-bank lender. See Indictment ¶ 1, United States v. Martinez, 22-cr-251-LJL, ECF No. 18.

Count Two charges Mr. Martinez with the related crime of making false statements to the SBA in
        Case 1:22-cr-00251-LJL         Document 33        Filed 12/02/22       Page 6 of 17




connection with the MBE application, pursuant to 15 U.S.C. § 645(a). Id. at ¶ 2. The remaining

counts of the Indictment are unrelated to the request for SBA approval of MBE as a non-bank

lender and focus on a PPP loan that MBE itself received. Mr. Martinez has pled not guilty to all

counts of the Indictment and disputes these charges.

                                          ARGUMENT

        In Count One of the Indictment, the government alleges that Mr. Martinez made materially

false statements and omissions “to fraudulently obtain the approval of the [SBA] for [MBE] to be

a non-bank lender through the [PPP], and then MARTINEZ used that approval to obtain millions

of dollars in capital to issue PPP loans and earn lender fees.” Indictment ¶ 1, ECF No. 18. This

allegation is squarely foreclosed by Supreme Court precedent. Even accepting the factual

assertions in the Indictment as true, as the Court must on a motion to dismiss, Count One is

defective because it fails to allege a deprivation of “property” cognizable by the federal wire fraud

statute. 18 U.S.C. § 1343. Making material misstatements to a government body in order to obtain

permission to operate a business—even a business that generates substantial profits—is not wire

fraud because government imprimatur is not “property.” Because Count One on its face therefore

“fail[s] to state an offense,” it must be dismissed as a matter of law. Fed. R. Crim. P.

12(b)(3)(B)(v); see United States v. Pirro, 212 F.3d 86, 91-95 (2d Cir. 2000) (affirming partial

dismissal of indictment for failing to allege essential element of offense).

   I.        Count One Must Be Dismissed Because It Fails to Allege a Scheme to Defraud a
             Victim of Property Under Binding Supreme Court Precedent

        A.      Relevant law

                1.     Background on the “property” requirement in wire fraud cases

        The federal wire fraud statute prohibits the knowing use of wire communications to effect

“any scheme or artifice to defraud, or for obtaining money or property by means of false or


                                                  2
       Case 1:22-cr-00251-LJL          Document 33        Filed 12/02/22      Page 7 of 17




fraudulent pretenses, representations, or promises.” 18 U.S.C. § 1343. The Supreme Court has read

that “disjunctive language as a unitary whole,” Kelly v. United States, 140 S. Ct. 1565, 1571

(2020), such that “‘the money-or-property requirement of the latter phrase’ also limits the former.”

Id. (quoting McNally v. United States, 483 U.S. 350, 358 (1987)). A conviction for wire fraud

therefore requires not only that a defendant engaged in deception, but that an “object of the[] fraud

[was] ‘property.’” Kelly, 140 S. Ct. at 1571 (quoting Cleveland v. United States, 531 U.S. 12, 26

(2000)); see also Fountain v. United States, 357 F.3d 250 (2d Cir. 2004) (“[T]he essential elements

of a mail or wire fraud violation are (1) a scheme to defraud, (2) money or property as the object

of the scheme, and (3) use of the mails or wires to further the scheme.”) (citation and brackets

omitted)).

       In an effort to prevent prosecutorial overreach, the Supreme Court has repeatedly held that

the federal mail and wire fraud statutes are limited to schemes to deprive a victim of traditional

“money or property.” Cleveland, 531 U.S. at 18-19 (quoting McNally, 483 U.S. at 360). These

statutes are not designed to criminalize “all acts of dishonesty” or “set[] standards of disclosure

and good government for state and local officials.” Kelly, 140 S. Ct. at 1571. Nor are they designed

to proscribe every type of “wrongdoing[,] deception, corruption, [or] abuse of power.” Id. at 1568.

If there is no deprivation of classic “money or property,” there is no crime. Id. at 1571.

       “Money” largely speaks for itself. The question of what constitutes “property,” however,

has presented challenges for the federal courts. The Supreme Court has cautioned against reading

this term broadly, observing that an expansion of the concept that “stray[s] from traditional

concepts of property” would necessarily “approve a sweeping expansion of federal criminal

jurisdiction in the absence of a clear statement by Congress.” Cleveland, 531 U.S. at 24; see also

United States v. Evans, 844 F.2d 36, 41 (2d Cir. 1988) (Second Circuit is “particularly loath to



                                                 3
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expand the wire and mail fraud statutes further, since [it] ha[s] already tolerated an extraordinary

expansion of these laws”) (citation omitted).

       Notwithstanding this guidance, the government has repeatedly tried to shoehorn novel

theories of property into the mail and wire fraud statutes. In 1987, “[a]t the time McNally [v. United

States, 483 U.S. 350 (1987)] was decided, federal prosecutors had been using [the mail fraud

statute] to attack various forms of corruption that deprived victims of ‘intangible rights’ unrelated

to money or property,” such as the right to honest services of a government official. Cleveland,

531 U.S. at 18. McNally put an end to such prosecutions, “stopp[ing] the development of the

intangible-rights doctrine in its tracks.” Skilling v. United States, 561 U.S. 358, 401 (2010). After

conducting a review of the history of the mail fraud statute, starting with its enactment in 1872,

the Court concluded that “the original impetus behind the mail fraud statute was to protect people

from schemes to deprive them of their money or property.” McNally, 483 U.S. at 356. And despite

later amendments to that statute in the early 1900s, Congress did not signal an intent that it “was

departing from [the] common understanding” that “the words ‘to defraud’ commonly refer to

‘wronging one in his property rights by dishonest methods or schemes[.]’” Id. at 358-59 (quoting

Hammerschmidt v. United States, 265 U.S. 182, 188 (1924)). .

       The next term, in Carpenter v. United States, the Supreme Court clarified that certain kinds

of information could indeed be “property” under the mail and wire fraud statutes, but only where

that information was of classic economic value to a private actor. 484 U.S. 19, 26 (1987). The

Court in Carpenter stated that the property right in question in that case—confidential business

information (in that case, belonging to the Wall Street Journal)—“has long been recognized as

property.” Id. As a result, the Court had “little trouble in holding that the conspiracy [t]here to




                                                  4
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trade on the Journal’s confidential information is not outside the reach of the mail and wire fraud

statutes” and affirmed the convictions. Id. at 28.

         But while the “confidential business information” in Carpenter was obviously of economic

value to the victim Wall Street Journal—which had a financial interest in the content of

forthcoming stories so as to sell papers—Carpenter left open the question of whether the calculus

would be different if the supposed “victim” of the deception was a government entity. That

question was answered thirteen years later in Cleveland v. United States, 531 U.S. 12 (2000).1

                  2.        The Cleveland doctrine and Kelly v. United States

         The defendants in Cleveland engaged in a deceptive scheme to influence Louisiana’s

issuance of video poker gaming licenses. 531 U.S. at 16-17. The indictment charged that the

defendants violated the federal mail fraud statute, 18 U.S.C. § 1341,2 by fraudulently concealing

that they were the true owners of the entity that submitted the initial application and subsequent

renewal applications for those gaming licenses. Id. Allegedly, the defendants did so because they

had tax and financial problems that could have undermined their suitability to receive the video

poker licenses from the state government. Id. at 17.




1
  Another example of the Supreme Court’s continued efforts to curb overreach on the “property” element of wire fraud
will likely follow its decision in Ciminelli v. United States, in which the Court granted certiorari to scrutinize the ill-
favored “right to control” theory of prosecution. See Petition for a Writ of Certiorari, at *i, Ciminelli v. United States,
(No. 21-1170) (filed Feb. 18, 2022), available at 2022 WL 566444 (“Whether the Second Circuit’s “right to control”
theory of fraud—which treats the deprivation of complete and accurate information bearing on a person’s economic
decision as a species of property fraud—states a valid basis for liability under the federal wire fraud statute, 18 U.S.C.
§ 1343.”).
2
  Because “[t]he mail and wire fraud statutes share the same language in relevant part,” courts accordingly “apply the
same analysis to both sets of offenses[.]” Carpenter, 484 U.S. at 25 n. 6 (1987); see also United States v. Pierce, 224
F.3d 158, 165 n.5 (2d. Cir. 2000) (“[T]he wire fraud statute . . . is the lineal descendant of the mail fraud statute . . .
and because these statutes use the same relevant language, they are analyzed in the same way.”) (quotations and
internal citations omitted)).


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         Prior to trial, Cleveland moved to dismiss the mail fraud counts on the ground that the

alleged fraud did not deprive the government of “property” under the federal mail fraud statute.

The district court denied the motion and held that the “licenses constitute[d] property even before

they are issued.” Id. at 17. On appeal, Cleveland again asserted that the government lacked a

property interest in the video poker licenses, citing to several appeals court cases concluding that

the government does not relinquish property under the mail fraud statute when it issues permission

to conduct a business. Id. at 17-18.3 The Fifth Circuit nevertheless affirmed, as it considered itself

bound by prior precedent that the video poker licenses constituted property in the hands of the state

government. Id. at 18.

         The Supreme Court reversed. Id. at 18. It held that, for purposes of the federal mail fraud

statute, a state does not part with “property” when it issues a license because such a license is not

“property” in the state’s hands. Id. at 20. In so holding, the Court identified several considerations

that guided its determination that the unissued licenses were not “property” for purposes of the

federal mail fraud statute.

         First, the Court drew a clear distinction between the state’s regulatory interests and

property. The Court noted that the state’s right to control the government approval of regulated

business—or as described by the Fifth Circuit, the state’s “right to choose the persons to whom it

issues . . . licenses”—was not an interest that “has long been recognized as property.” Id. at 23.

Rather, the Court concluded that the state’s “intangible rights of allocation, exclusion, and control

amount to no more and no less than” the state’s “sovereign power to regulate.” Id. at 23. The Court




3
  See United States v. Shotts, 145 F.3d 1289, 1296 (11th Cir. 1998) (license to operate a bail bonds business); United
States v. Schwartz, 924 F.2d 410, 418 (2d Cir. 1991) (arms export license); United States v. Granberry, 908 F.2d 278,
280 (8th Cir. 1990) (school bus operator's permit); Toulabi v. United States, 875 F.2d 122, 125 (7th Cir. 1989)
(chauffeur's license); United States v. Dadanian, 856 F.2d 1391, 1392 (9th Cir. 1988) (gambling license); United
States v. Murphy, 836 F.2d 248, 254 (6th Cir. 1988) (license to conduct charitable bingo games).

                                                          6
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noted that these rights include the “distinctively sovereign authority to impose criminal penalties

for violations of the licensing scheme.” Id. at 23. Because the state’s interest in licensing video

poker operations “implicates the Government’s role as sovereign” but not its role as “property

holder,” the defendant’s false statements did not deprive the state of property. Id. at 23-24.

       Second, the Court found that the state’s substantial economic interest in the video poker

industry did not convert the unissued licenses into “property.” Although the state collected various

processing, annual, and device operation fees, as well as a fixed percentage of the net revenue from

each video poker machine, the state “receive[d] the lion’s share of its expected revenue not while

the licenses remain in its own hands, but only after they have been issued to licensees.” Id. at 22.

The Court added that the licenses prior to their issuance do not generate an ongoing stream of

revenue for the state and, at most, afford the state the opportunity to collect a processing fee from

applicants for new licenses. Id. The Court observed that if having an economic stake in receiving

fees from new applicants were sufficient to establish a property right, then it is ineluctable that the

state would have property rights in any type of license (e.g. drivers’ licenses, fishing and hunting

licenses, medical licenses), which the state conceded were “purely regulatory.” Id. The Court

observed that “it does not suffice . . . that the object of the fraud may become property in the

recipient’s hands; for purposes of the mail fraud statute, the thing obtained must be property in the

hands of the victim.” Id. at 15 (emphasis added).

       Third, the Court stated that the state’s right to exclude applicants deemed unsuitable to run

video poker operations does not convert the unissued licenses into “property.” Id. at 23. The Court

noted that notwithstanding this right to exclude, the state did not conduct gaming operations itself,

did not hold the licenses to reserve the right to do so, and did not sell the licenses. Id. Moreover,

the state could not sell its licensing authority. Id. As a result, the Court rejected the government’s



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argument that that the state’s interest in its video poker licenses is like a patent holder’s interest in

an unlicensed patent, and found that the state’s interest in unissued licenses was better analogized

to the federal government’s interest in an unissued patent—which “implicates the Government’s

role as sovereign, not as a property holder.” Id. at 23-24.

        In sum, the Court declined to adopt the state’s theories because they “stray[ed] from

traditional concepts of property.” Id. at 24. Doing so, in the Court’s opinion, would “approve a

sweeping expansion of federal criminal jurisdiction in the absence of a clear statement by

Congress.” Id. Therefore, the Court rejected the government’s effort to “[e]quat[e] [the] issuance

of licenses or permits with deprivation of property[.]” Id.

        Cleveland does not stand alone. The Supreme Court revisited this issue two years ago in

Kelly v. United States, 140 S. Ct. 1565, 1571 (2020). In that case, the Court reversed wire fraud

convictions for two New Jersey officials who lied in order to achieve their goal of reallocating

several toll lanes leading to the George Washington Bridge as part of a scheme to exact political

payback against a local mayor. Id. at 1568-69. The Court noted that the officials’ actions were a

“corrupt act” and an “abuse of power,” but nevertheless held that they could not support

convictions for wire fraud because the scheme did not “aim to obtain money or property.” Id. at

1574. The Court decided that the realignment of the toll lanes—“in effect” a decision “about which

drivers had a ‘license’ to use which lanes”—was instead “a quintessential exercise of regulatory

power.” Id. at 1572-73. Citing Cleveland, the Court stated that it “ha[d] already held that a scheme

to alter such a regulatory choice is not one to appropriate the government’s property.” Id. at 1573.

And while the Court acknowledged that a scheme to deprive the government of its right to its

employees’ time and labor would be a scheme to take the government’s property, this was not the

object of the scheme in Kelly; it was merely an incidental byproduct of the defendants’ scheme to



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alter a regulatory choice and therefore was not a property right that could support a prosecution

for wire fraud. Id. at 1573-74.4

         B.       Discussion

         In Count One of the Indictment, the government alleges that Mr. Martinez used false

pretenses, representations, and documents to “fraudulently obtain the approval of the [SBA] for

his company, [MBE], to be a non-bank lender through the [PPP], and then . . . used that approval

to obtain millions of dollars in capital to issue PPP loans and earn lender fees.” Indictment ¶ 1,

ECF No. 18. Even accepting these allegations as true, this Count is barred by Cleveland and Kelly.

         Read plainly, the Indictment appears to assert that Mr. Martinez deprived the SBA of its

right to approve (or to disapprove) his company to be a non-bank lender through the PPP (and then

used that approval to “obtain millions of dollars in capital”). The SBA’s right to approve an

applicant as a non-bank lender under the PPP—like Louisiana’s right to control what individuals

and entities could operate video poker machines in the state—is not a right that “has long been

recognized as property.” Cleveland, 531 U.S. at 23 (quoting Carpenter, 484 U.S. at 26. To the

contrary, the SBA’s right to approve or disapprove an applicant as a non-bank lender is akin to the

state’s “intangible rights of allocation, exclusion, and control” that the Cleveland Court deemed to



4
  The notion that government decision making is not “property” did not begin with Cleveland or Kelly, or with the
Supreme Court. In United States v. Evans, the Second Circuit evaluated whether the government’s “right to control
alienation of [] weapons” might be considered a property right for federal fraud purposes. 844 F.2d 36, 40 (2d Cir.
1988). In that case, the defendants were charged with conspiring to deceive the United States about the true identity
of the country purchasing arms in order to obtain the necessary government approval for a transaction. Id. at 37. The
Second Circuit held that the government’s right to control future alienation of arms—in other words, the government’s
right to prevent the resale of U.S. military weaponry from acceptable to unacceptable foreign nations—was not
property for purposes of federal wire and mail fraud. Id. at 42.

Similarly, in United States v. Schwartz, the Second Circuit held that unissued licenses do not constitute “property” in
the hands of the government. 924 F.2d 410, 417-18 (2d Cir. 1991). The Court noted that “Evans cannot be
distinguished on the basis that the fraudulently obtained government approval in this case was embodied in a license.
What was fraudulently obtained in both cases was the government’s agreement to allow the proposed transactions to
take place.” Id. at 417. The Court determined that “a regulatory license is nothing more than a formal embodiment of
‘the necessary government approval,’” and that such government approval cannot be property. Id.

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“amount to no more and no less than [the government’s] sovereign power to regulate.” Cleveland,

531 U.S. at 23.

        The SBA’s right to approve an applicant to become a non-bank lender shares many

characteristics with Louisiana’s right to sanction applicants in Cleveland. At the outset, both

interests are comprised of the intangible rights to allocate, exclude, and control which applicants

could participate in the programs offered. These interests reflect “paradigmatic exercises of the

[government’s] traditional police powers” or regulatory powers, not “property” interests.

Cleveland, 531 U.S. at 23. Reflecting this fact, both interests include the “distinctively sovereign

authority to impose criminal penalties for violations of the licensing” or approval regimes,

including for false statements. Id. Just as Louisiana had the sovereign authority to impose criminal

penalties for making false statements in a license application, the federal government here has the

sovereign authority to impose criminal and civil penalties under certain federal statutes for making

false statements to the SBA in an application to become a non-bank lender.5 Tellingly, the SBA’s

own agreement with prospective non-bank lenders omits any reference to 18 U.S.C. § 1343 when

requiring applicants to acknowledge that false statements made to the SBA or the Department of

Treasury can result in criminal prosecution or the imposition of civil penalties. See CARES Act

Section 1102 Lender Agreement – Non-Bank and Non-Insured Depository Institution Lenders, at

p. 6, available at www.sba.gov/sites/default/files/2021-04/SBA-Form-3507-PPP--Agreement-for-

New-Lenders-Non-Bank-Non-Insured-Depository-Institution-Lenders%20%28revised%204-9-

21%29-508.pdf (“I further acknowledge that any false statements made to the U.S. Small Business

Administration and Department of Treasury can result in criminal prosecution under 18 U.S.C.




5
 The government is obviously aware of this statutory framework, given that it has charged Mr. Martinez with making
false statements to the SBA in Count Two of the Indictment. See 15 U.S.C. § 645(a); Indictment ¶ 2, ECF No. 18.

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1001, 15 U.S.C. 645, and other provisions and imposition of civil money penalties under 31 U.S.C.

3729.”). Therefore, the SBA’s right to approve applicants as non-bank lenders under the PPP is

best understood as part of the SBA’s regulatory interests, not “property” under the ambit of the

federal wire fraud statute.

       Moreover, that the SBA may have an economic interest in the PPP program is not sufficient

to convert its approval (or disapproval) into “property” in the hands of the SBA. At the outset, it

is not clear that the SBA had an economic interest in the PPP program akin to that possessed by

Louisiana with respect to its video poker licenses. Under the Coronavirus Aid, Relief, and

Economic Security Act (the CARES Act), the PPP was a new program added to the SBA’s 7(a)

Loan Program. The CARES Act provided for the SBA to guarantee loans under the PPP, but it

also provided for full forgiveness of up to the principal amount of qualifying loans. As such, the

PPP was designed to provide funds to qualified businesses, and so long as those funds were used

as designated by the recipient, those loans were designed to be completely forgiven by the SBA.

Furthermore, the SBA did not receive fees for originating or providing these loans.

       Even if the SBA did have an economic interest in the PPP program, however, the

Indictment does not allege that Mr. Martinez defrauded the SBA of any money or property to

which it was entitled by law. Although the Indictment asserts that Mr. Martinez used MBE’s non-

bank lender approval to obtain millions of dollars in capital to issue PPP loans and earn lender

fees, Indictment ¶ 1, ECF No. 18, that capital and fees flowed from Mr. Martinez’s proper

participation in the program once approved. As the defendants did in Cleveland by paying the

amounts rightly owed to the state after they obtained the video poker licenses—once he was

approved as a non-bank lender, Mr. Martinez carried out the tasks of a non-bank lender.

Specifically, he processed loans he received from small, minority-owned businesses, received and



                                                11
       Case 1:22-cr-00251-LJL         Document 33        Filed 12/02/22      Page 16 of 17




immediately disbursed funds as required under the program, and received lender fees for doing so

(just as any other non-bank lender (or any bank lender) would receive for doing so).

       Congress could, if it so chooses, criminalize conduct under the wire fraud statute that goes

beyond conduct that deprives a victim of “money or property.” Indeed, Congress has done so—

directly in response to Supreme Court rulings—in other contexts. See, e.g., 18 U.S.C. § 1346

(redefining wire and mail fraud to include a deprivation of honest services after McNally). But

Congress has taken no action to abrogate the holdings in Cleveland and Kelly. “Congress’s

reverberating silence about other intangible interests tells us all we need to know.” United States

v. Sadler, 750 F.3d 585, 591 (6th Cir. 2014) (Sutton, J.) (holding that a defendant’s fabrications to

pill distributors, though objectionable and punishable under other statutes, fell outside the wire

fraud statute because depriving the distributors of the “ethereal right to accurate information” is

not a deprivation of property). Indeed, Congressional silence also directs courts to adopt a more

lenient reading of the wire fraud statute. Id. at 592. “[W]hen there are two rational readings of a

criminal statute, one harsher than the other, we are to choose the harsher only when Congress has

spoken in clear and definite language.” McNally, 483 U.S. at 359-60. As a result, while “[m]oney,

property, and the intangible right of honest services clearly and definitely fall within the fraud

statutes’ scope, [] other interests—such as the right to accurate information—do not.” Sadler, 750

F.3d at 592 (internal quotation marks omitted).

                                          *       *      *

       In the context of the federal mail fraud statute, the Supreme Court has stated that “[t]here

are no constructive offenses; and before one can be punished, it must be shown that his case is

plainly within the statute.” McNally, 483 U.S. at 360 (quoting Fasulo v. United States, 272 U.S.

620, 629 (1926)). “Rather than construe the statute in a manner that leaves its outer boundaries



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       Case 1:22-cr-00251-LJL          Document 33        Filed 12/02/22      Page 17 of 17




ambiguous . . . , we read [the federal mail fraud statute] as limited in scope to the protection of

property rights. If Congress desires to go further, it must speak more clearly than it has.” Id.

       Plainly, Congress has not done so. Mr. Martinez could only violate the federal wire fraud

statute if the object of his alleged deception was the SBA’s “property.” Because the SBA was

allegedly deprived of the right to approve a non-bank lender application—a regulatory power that

has not “long been recognized as property,” Cleveland, 531 U.S. at 23—Count One of the

Indictment fails to state an offense under the federal wire fraud statute and must be dismissed.


                                          CONCLUSION

       For the foregoing reasons, the Court should dismiss Count One of the Indictment against

Mr. Martinez.

Dated: December 2, 2022
       New York, New York

                                              MORVILLO, ABRAMOWITZ
                                              GRAND, IASON & ANELLO, P.C.

                                              By: /s/ Telemachus P. Kasulis
                                                     Elkan Abramowitz
                                                     Telemachus P. Kasulis
                                                     Russell J. Feldman
                                                     565 Fifth Avenue
                                                     New York, New York 10017

                                              WILLKIE FARR & GALLAGHER LLP
                                                   Michael S. Schachter
                                                   Randall Jackson
                                                   787 Seventh Avenue
                                                   New York, New York 10019

                                                      Attorneys for Defendant Rafael Martinez




                                                 13


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