PPP Loan Fraud Lawyer Maryland — Federal Financial Crime Defense
If you are under investigation for Paycheck Protection Program (PPP) loan fraud in Maryland, you face serious federal charges under statutes like 18 U.S.C. § 1343 (wire fraud) and § 1344 (bank fraud). A conviction can lead to decades in federal prison, substantial fines, and mandatory restitution. As a PPP loan fraud lawyer in Maryland, Law Offices Of SRIS, P.C.
Last verified: April 2026 — V13.4 expansion | Maryland District & Circuit Courts (statewide) | Maryland legislature
Federal PPP Loan Fraud Charges in Maryland
PPP loan fraud is prosecuted federally, often by the U.S. Attorney’s Office for the District of Maryland. Common charges include wire fraud, bank fraud, making false statements to a financial institution, and aggravated identity theft. The prosecution must prove you knowingly made a false statement or certification on your PPP application, or intentionally misused the loan proceeds for unauthorized purposes. Defending these charges requires a fraud attorney with a deep understanding of federal court procedures, the CARES Act, and complex financial records.
Our firm, founded in 1997 by former prosecutor Mr. Sris, brings a background in accounting and information systems to these intricate financial crime cases. This technical insight is critical for analyzing loan documents, bank records, and forensic accounting reports presented by the government.
Official Legal Resources
For the official text of the primary federal fraud statutes, see 18 U.S.C. § 1343 (wire fraud) on the Legal Information Institute’s .gov mirror. For Maryland federal court procedures, refer to the U.S. District Court for the District of Maryland website.
- Secure immediate legal counsel upon learning of an investigation or receiving a target letter.
- Your attorney will conduct a thorough review of all PPP application materials, supporting documents, and bank statements.
- A strategic defense is developed, which may involve challenging the materiality of alleged misstatements or demonstrating a lack of fraudulent intent.
- Your lawyer will engage in pre-indictment negotiations with federal prosecutors, potentially seeking a civil resolution or declination.
- If charged, your defense team will file motions, negotiate a plea if advisable, or prepare for trial in U.S. District Court.
In Maryland, federal PPP loan fraud convictions carry severe penalties, including up to 30 years in prison for bank fraud, fines up to $1,000,000, and mandatory restitution to the SBA.
| Offense | Classification | Incarceration | Fine | Additional Consequences |
|---|---|---|---|---|
| Bank Fraud (18 U.S.C. § 1344) | Federal Felony | Up to 30 years | Up to $1,000,000 | Restitution, Forfeiture |
| Wire Fraud (18 U.S.C. § 1343) | Federal Felony | Up to 20 years | Up to $250,000 | Restitution |
| False Statements (18 U.S.C. § 1014) | Federal Felony | Up to 30 years | Up to $1,000,000 | Restitution |
| Aggravated Identity Theft (18 U.S.C. § 1028A) | Federal Felony | Mandatory 2 years consecutive | – | Added to any other sentence |
Results may vary. Prior results do not aim for a similar outcome.
Why Choose Our Firm for Your PPP Fraud Defense
Law Offices Of SRIS, P.C. provides “Advocacy Without Borders.” With a combined 120+ years of legal experience and a track record of 4,739+ documented case results firm-wide, we have the resources to handle complex federal investigations. Our founder, Mr. Sris, is a former prosecutor with a unique background in accounting, giving us a distinct advantage in dissecting financial evidence. For PPP loan fraud defense in Maryland, having a seasoned white collar defense lawyer who understands both the law and the numbers is essential.
Documented Case Results
Our firm has a firm-wide track record of 4,739+ documented results across VA, MD, NJ, NY, and DC, with a 93%+ favorable outcome rate. While every case is unique, our systematic approach to building defenses in complex financial cases provides a strong foundation. Mr. Sris, our managing attorney, collaborates on strategic defense in serious federal matters.
Results may vary. Prior results do not aim for a similar outcome.
PPP Loan Fraud Defense Serving Southern Maryland
Our Maryland location serves clients across Southern Maryland and surrounding communities. We offer 24/7 phone consultations and meetings by appointment only.
Law Offices Of SRIS, P.C.
199 E. Montgomery Ave, Suite 100, Room 211
Rockville, MD 20850
Toll-Free: (888) 437-7747 | Local: (888)-437-7747 | Local: (301) 363-4040
By appointment only.
PPP Loan Fraud Defense FAQs
What is PPP loan fraud?
It depends. Generally, PPP loan fraud involves knowingly making false statements on a PPP application (e.g., inflating payroll, misrepresenting business operations) or using loan funds for unauthorized purposes not related to payroll, rent, or utilities as defined by the CARES Act.
Do I need a lawyer if I just received a subpoena for my PPP records?
Yes. A subpoena is a formal step in a federal investigation. Contacting a fraud charges defense attorney immediately allows you to understand your rights, manage document production, and potentially influence the investigation before criminal charges are filed.
Can I go to jail for a mistake on my PPP application?
It depends. Prosecutors must prove you acted with intent to defraud, not merely made an error. An experienced PPP loan fraud lawyer in Maryland can help demonstrate a lack of criminal intent, which is a core element the government must prove beyond a reasonable doubt.
What should I look for in a PPP fraud defense attorney?
Look for a firm with experience in federal court, a background in handling complex financial documents, and a track record in white-collar defense. A fraud attorney from our team brings former prosecutorial insight and technical financial knowledge to build your defense.
What are the possible defenses to PPP fraud charges?
Potential defenses include lack of intent, materiality (the false statement did not influence the loan decision), good-faith reliance on professional advice, and challenging the sufficiency of the government’s evidence. A skilled financial crime lawyer will identify the best strategy for your specific situation.
A ppp loan fraud case is one part of fraud & financial crimes work, and our page on bank fraud lawyer Maryland covers the wider process.