UNITED STATES DISTRICT COURT 

SOUTHERN DISTRICT OF FLORIDA 

CASE NO. -----------

18 U.S.C. § 1344(1) and (2) 

18 u.s.c. § 1343 

18 U.S.C. § 982(a)(2)(A) 

UNITED STATES QF AMERICA 

vs. 

DAMIAN DA VIS, 

Defendant. 

---------------

INDICTMENT 

The Grand Jury charges that: 

GENERAL ALLEGATIONS 

At all material times to this Indictment 

The Small Business Administration 

1. The United States Small Business Administration ("SBA") was an executive

branch agency of the United States government that provided support to entrepreneurs and small 

businesses. The mission of the SBA was to. maintain and strengthen the nation's economy by 

enabling the establishment and viability of small businesses and by assisting in the economic 

recovery of communities after disasters. 

2. As part of this effort, the SBA enabled and provided for loans through banks, credit

unions, and other lenders. These loans had government-backed guarantees. 

22-60186-CR-DIMITROULEAS/HUNT

Case 0:22-cr-60186-WPD Document 1 Entered on FLSD Docket 08/30/2022 Page 1 of 11
The Paycheck Protection Procram

The Coronavirus Aid, Relief, and Economic Secmity (GICARES'') Act was a federal

1aw enacted M arch 27, 2020, to m ovide fmandal assistance to Am ericans suffering economic

hnrms 9om the COVID-19 pandemio. One source of relief provided through the CARES Ad was

the authorization of forgivable loans to businesses for job retention and certain other expenses,

through a progrnm called the Paycheck Protection Program (ETPP'').

4. To obtain a PPP loan, a qualifying business subm itted a PPP loan application, which

was signed by an authorized representative of the business. The PPP loan application required the

business (through its authorized representative) to acknowledge the progrnm nlles and make

certain affirmative certifications to be eligible to obtain the PPP loan. In the PPP loan application,

the small business (through its authorized representative) was required to provide, among other

things, its: (a) average monthly payroll expenses', and (b) nllmber of employees. These figtlres

were used to calculate the nm otmt of m oney the sm all business was eligible to receive under the

PPP. ln addition, businesses applying for a PPP loan were required to provide docum entation

showing their payroll expenses.

5. A PPP loan application had to be processed by a participating lender. If a PPP loan

application was approved, the participating lender funded the PPP loan using its own monies,

which were fully guaranteed by the Small Business Administration (;1SBA''). Data from the

application, including inform ation about the borrower, the total am ount of the loan, and the reports

and documents regarding the business's incom e and expenses, were transm itted by the lender to

the SBA in the course of processing the loan.

6. PPP loan proceeds were required to be used by the business on certain perm issible

expenses-payroll costs, interest on m ortgages, rent, and utilities. The PPP allowed the interest and

Case 0:22-cr-60186-WPD Document 1 Entered on FLSD Docket 08/30/2022 Page 2 of 11
principal on the PPP loan to be entirely forgiven if the business spent the loan proceeds on these

expense item s within a designated period of tim e and used a defm ed portion of the PPP loan

proceeds on payroll expenses.

D efendants and O ther Entities

Bank 1 was a financial institm ion based in Salt Lake City, Utah, with deposits

instlred by the Federal Deposit lnstlrance Corporation (çTDIC''). Bnnk 1 was an approved SBA

lender of PPP loans.

8. Bnnk 2 was a financial institution based in New York City, N ew York, with

branches in Florida, and deposits insured by the FDIC. Bnnk 2 was an approved SBA lender of

PPP loans.

9. Bank Processor 1 was a third-party company processor based in San Jose,

California, that processed PPP loan applications for Bnnk 1.

Wolf of Flagler, LLC (1GW o1f of Flagler'') was a Florida corporation with its listed

address in Ft. Lauderdale, Florida.

5th M arketing Group ($:5th Marketinf') was a Florida coporation with its listed

address in Pom pano Beach, Florida.

12. Crates Tavem, LLC (lçcrates Tavenf') was a Florida coporation with its listed

address in Pom pano Beach, Florida.

13. Defendant DAM IAN DAVIS was a resident of Broward Cotmty, Florida, and the

listed Authorized M em ber of W olf Flagler, 5th M arketing, and Crates Tavern.

Case 0:22-cr-60186-WPD Document 1 Entered on FLSD Docket 08/30/2022 Page 3 of 11
CO UNTS 1-3

BankFraud

(18U.S.C.j1344)

TheGeneralAllegationssection ofthislndictmentisre-allegedandincorporated

fullyhereinbyreference.

From on or aboutJtme 5,2020,through on or aboutSeptem ber22,2020,in

BrowardCounty,intheSouthem DistrictofFlodda,andelsewhere,thedefendant,

DAM IAN DAW S,

did knowingly,and with the intentto defraud,execute,and attemptto execute,and causethe

execution of,aschem eandartificetodefraud oneorm orefinancialinstitutions,which schem e

andartiticeemployedamaterialfalsehood,anddidknowingly,andwithintenttodefraud,execute,

and attemptto execute,and causethe execution of,aschem e and artificeto obtain any ofthe

m oneys and flmds owned by,and tmder the custody and controlof,one or m ore financial

institutions,bym eansofmaterially falseandfraudulentpretenses,representations,andpromises,

relatingtoamaterialfact,inviolationofTitle18,UntiedStatesCode,Sections1344(1)and(2).

PURPOSE OF TH E SCH EM E AND ARTIFICE

ltwasthepurposeofthisschem eandartificeforthedefendantandhisaccomplices

totmlawfullyemichthemselvesby,nmongotherthings:(a)submittingandcausingthesubmission

offalseandâaudulentPPPloanapplications;and(b)divertingfraudproceedsforthedefendants'

andaccomplices'personaluse,theuseandbenefitofothers,andtofurtherthefraud.

M ANNER AND M EANS OF TIIE SCH EM E AND ARTIFICE

ThemalmerandmeansbywhichDAM IAN DAVISsoughttoaccomplishtheobjectsand

purposeoftheschem eincluded,nmongotherthings,thefollowing:

4

Case 0:22-cr-60186-WPD Document 1 Entered on FLSD Docket 08/30/2022 Page 4 of 11
4. DAM IAN DAVIS andhisaccom plices'created onlineloan application accotmts

withBnnk 2forW olfofFlaglerand5thM arketing, aswellasan onlineloanapplication account

withBankProcessor1forCratesTavern.

DAM IAN DAVIS and his accomplices submitted and caused the electronic

submission offraudulentPPP loan applicationsforW olfofFlagler,5thM arketing, and Crates

Tavem ,viainterstatewirecom mtmications.

ThePPP loanapplication forW olfofFlaglerand5thM azketingweresubmittedto

Bnnk2,whilethePPP loan applicationforCratesTavernwassubm ittedtoBnnkProcessor1.

ln furtheranceofthescheme,DAM IAN DAVIS and hisaccomplicessubm itted

false and fraudulentinfbrm ation and doolm entation in supportofthe PPP loan application,

includingfalsifiedpayrollandbusinesstaxform s,am ongotherthings,andfalselyandfraudulently

representedthebusinesses'nllmberofem ployeesandnm ountofm onthlypayroll.

8. Asaresultofthe falseand fraudulentPPP loan applicationssubmitted,to Bnnk

Processor1andBank 2,aspartofthisscheme,Bnnk 1arld Bnnk2 approvedthePPP Loansand

disbursedacombinedtotalof$586,545inPPPloarlproceeds,whichweretransferredtoaccolmts

controlledbyDAM IAN DAVIS viainterstatewiret'ransm ission.

DAM IAN DAVIS used theproceedsfrom thefraudschem eforhisown use,the

useofothers,andtofurtherthescheme.

EXECUTION OF TH E SCHEM E AND M W IFICE

10. On oraboutthedatesspecifiedbelow,inBrowardCotmty,intheSouthem District

ofFlorida,andelsewhere,DAM IAN DAVIS didexecute,andattemptto execute,andcausethe

execution of,theabove-described schem eand artificeto defraud,asm orepm icularly described

below :

Case 0:22-cr-60186-WPD Document 1 Entered on FLSD Docket 08/30/2022 Page 5 of 11
t' tl= Appkoktlaie ' '.- .r- ' :. . '?), 7 .-- atzk. Tftkifàn ' (t ..- c- . 't'it -' . . . . . . 

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1 Jtme 5, 2020 Subm ission of a false and fraudulent PPP loan application to Bnnk

2 on behalf of W olf of Flagler, which resulted in Bnnk 2 depositing

approximately $128,400 in PPP loan proceeds into a Bnnk 2 accotmt

i endin in 0698 controlled b DAM IAN DAW S

I

: 2 June 27, 2020 Submission of a false and âaudulent PPP loan application to Bnnk

Processor 1 on behalf of Crates Tavem , which resulted in Bnnk 1

depositing approxim ately $183,780 in PPP loan proceeds into a

Bank 2 accolmt endin in 9170 controlled b DAM IAN DAVIS

3 July 27, 2020 Submission of a false and fraudulent PPP loan application to Bnnk

2 behalf of 5th M arketing 0n , which resulted in Bnnk 2 depositing

approximately $274,365 in PPP loan proceeds into a Bank 2 accotmt

endin in 5956 controlled b DAM 'IAN DAW S

ln violation of Title 18, United States Code, Sections 134441) and (2), and 2.

COUNT 4-6

W ire Fraud

(18 U.S.C. j 1343)

1. The General A llegations section of this Indictment is re-alleged and incorporated

fully herein by reference.

From on or about Jtm e 5, 2020, through on or aboutSeptem ber 22, 2020, in

Broward Colmty, in the Southel'n District of Florida, and elsewhere, the defendant,

DAM IAN DAVIS I,

did knowingly, and with intent to defraud, devise and intend to devise a schem e and artifice to

defraud and to obtain m oney and property by means of m aterially false and fraudulent pretenses,

representations, and prom ises, knowing that the pretenses, representations, and prom ises were

false and âaudulent when m ade, and for the purpose of executing such schem e and artifice to

defraud, did knowingly transm it and cause to be transm itted by means of wire com munications in

interstate and foreign comm erce, certain writings, signs, signals, pictures, and sotmds.

6

Case 0:22-cr-60186-WPD Document 1 Entered on FLSD Docket 08/30/2022 Page 6 of 11
PURPOSE OF TH E SCH EM E AND M W IFICE

3. Itwasthepurposeoftllisschem eandartificeforthedefendantandhisaccomplices

totmlawfulyemichthemselvesbynmongotherthings:(a)submittingandcausingthesubmission

offalseandfraudulentPPPloanapplications;and(b)divertingfraudproceedsforthedefendants'

andaccomplices'personaluse,theuseandbenefitofothers,andtofurtherthefraud.

THE SCH EM E AND ARTIFICE

TheM armerandM eanssection ofCotmts1-3ofthislndictm entisre-alleged and

incop orated by reference asthough fully setforth herein asa description ofthe scheme and

artifice.

USE OF THE W IRES

5. Onoraboutthedatesspecifiedbelow,inBrowardCotmty,intheSouthenlDistrict

ofFlorida,and elsewhere,DAM IAN DAW S,forthepup oseofexecuting andinfurtheranceof

the aforesaid schem e and artifice to defraud,and to obtain money and property by m eans of

materially false and fraudulent pretenses,representations, and prornises,knowing that the

pretenses,representations,and promiseswere falseand fraudulentwhen made,did knowingly

causeto betransmitted by m eansofwire com mtmication in interstate and foreign comm erce,

certainwdtings,signs,signals,picturesandsounds,asmoreparticularlydesdribedbelow:

Case 0:22-cr-60186-WPD Document 1 Entered on FLSD Docket 08/30/2022 Page 7 of 11
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#.c'lb)STunt' j''j'',ANpproNj=$!;VmaSte'.%$..yjt.

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4 Jllne19,2020 A wiretransferintheamountofapproximately$128,400from

Bnnk 2 to the accountofW olfofFlaglerending in 0698 at

Bnnk 2,causingawiretransm ission f'rom outsideofFlorida

totheSouthernDistrictofFlorida

5 Jllne30,2020 A wiretransferintheamotmtofapproximately$183,780f'rom

Bank1totheaccotmtofCratesTavem endingin9170atBank

2,causing awiretransmission from outsideofFloridatothe

SouthernDistrictofFlorida

6 July29,2020 A wiretransferintheamountofapproximately$274,365from

Bnnk2totheaccotmtof5thM azketingendingin5956atBank

2,causingawiretransmission from outsideofFloddatothe

SouthernDistrictofFlorida

Inviolation ofTitle18,UlnitedStatesCode,Sections1343and2.

FORFEITURE ALLEGATIONS

1. TheallegationsofthisIndictm entareherebyre-allegedan.dby tlisreferencef'ully

incorporatedhereinforthepup oseofallegingforfeituretotheUnitedStatesofAm ericaofcertain

propertyinwhichthedefendants,DAM IAN DAVIS,haveaninterest.

Upon conviction ofaviolation ofand/oraconspiracy toviolateTitle 18,United

StatesCode,Sections1343and/or1344,asallegedinthisIndictm ent,thedefendantshallforfeitto

theUnited Statesany property,constitm ing orderived f'rom ,any proceedsobtained,directly or

indirectly, as the result of such offense,plzrsuant to Title 18,United States Code,Section

982(a)(2)(A).

3.

notlim itedto:

Thepropertysubjecttoforfeitureasaresultofthealegedoffensesincludes,butis

a.

b.

ftmdsinvolved in orderived from the alleged offensesand may be soughtasa

a2012Greyz-DoorBM W vehicle,VlN NO.W 8M 1.C)1C258C2E:8395284and

asum ofapproximately $586,545,wltich representsthetotalnmountof

forfeitlremoneyjudgment.

8

Case 0:22-cr-60186-WPD Document 1 Entered on FLSD Docket 08/30/2022 Page 8 of 11
r'

!

4. If any of the property subject to forfeiture, as a result of any act or omission of the

a.

b.

cnnnot be located upon the exercise of due diligence;

has been transferred or sold to, or deposited with, a third party;

has been placed beyond the jtuisdiction of the court;

has been substantially diminished in value; or

has been commingled with other property wlzich cnnnot be divided without

difficulty,

d.

the United States shall be entitled to the forfeim re of substitute property under the provisions of

Title 21, Urlited States Code, Section 853û9.

A TRUE BILL 

FOREPERSON

Ik IT s ATTORXEV Ax'rO I GoNzvEz

ERT A A DEz

sslsTo ITE ATES ATTORNEY

9

Case 0:22-cr-60186-WPD Document 1 Entered on FLSD Docket 08/30/2022 Page 9 of 11
UNITED STATESDISTRICT COURT

SOUTHERN DISTRICT OFFLORIDA

UNITED STATESOF AM ERICA

V.

DAM IAN DAW S,

/

Defendant.

CourtDivision(selectone)

E'DM iami L KeyW est L FTP

Z FTL EIW PB

1doherebycertifythat:

1. 1havecarefully considered theallegationsoftheindictm ent,thenumberofdefendants,thenumberofprobable

wimessesandthelegalcomplexitiesofthelndictm ent/lnformation attachedhereto.

CASE NO.:

CERTIFICATE OF TIUAL ATTORNEY W

SupersedingCaselnform ation:

NewDefendantts)(YesorNo)

NumberofNew Defendants

Totalnum berofNew Counts

1am awarethattheinfonnationsuppliedonthisstatementwillberelieduponbytheJudgesofthisCourthlsetting

theircalendarsandschedulingcriminaltrialsunderthemandateoftheSpeedyTrialAct,Title28U.S.C.53161.

Interpreter:(YesorNo)NO

Listlanguageand/ordialect:

Thiscasewilltake 5 daysforthepartiestotry.

Pleasecheckappropriatecategoryandtypeofoffenselistedbelow :

(Checkonlyone) (Checkonlyone)

I I'ZI0to 5days IZIPety

11 ID 6to10days EIM inor

III L 11to20days IZIM isdemeanor

IV 121to60days z Felony

V L61daysandover '

6.

8.

lfyes,Judge CaseN o.

9. Defendantts)infederalcustodyasof

l0. Defendantts)instatecustodyasof

11.

12.

13.

Rule20from the Districtof

Isthisapotentialdeathpenaltycase?(YesorNo)No

Doesthiscaseoriginatefrom amatterpendingintheNorthernRegionoftheU.S.Attorney'sOftice

priortoAugust8,2014(M ag.JudgeShaniekMaynard?(YesorNo)No

Doesthiscaseoriginatefrom amatterpendingintheCentralRegionoftheU.S.Attorney'sOffce

priortoOctober3,2019(M ag.JudgeJaredStrauss?

By:

(YesorNo)No

B 1laLil' Fe andez

ss tan nited tatesAtlorney

L BarNo. 012492

HasthiscasebeenpreviouslyfiledinthisDistrictCourt?(YesorNo)No

Ifyes,Judge CaseN o.

Hasacomplaintbeenfiledinthismatter?(YesorNo)No

lfyes,M agistrateCaseNo.

DoesthiscaserelatetoapreviouslytiledmatterinthisDistrictCourt?(YesorNo)No

Case 0:22-cr-60186-WPD Document 1 Entered on FLSD Docket 08/30/2022 Page 10 of 11
UNITED STATESDISTRICT COURT

SOUTHERN DISTRICT OF FLORIDA

PENALTY SHEET

DefendantfsNam e:Dam ianDavis

Cotmts# 1-3:

BnnkFraud .

Title18.UnitedStatesCodesSection134441)and(2)

*M ax.Term ofIm prisonm ent:30years

*M ax.Supervised Release:syears

*M ax.Fine: $1,000,000

Cotmts/4-6:

Title18.UnitedStates.Section 1343

*M ax.Term ofIm prisonm ent:20years

*M ax.SupervisedRelease:3years

*M ax.Fine:$250,000

RRefersonlytopossibleterm ofincarceration,supervised releaseand fines. Itdoesnotinclude

restitution,specialassessm ents,paroleterm s,orforfeituresthatm ay beapplicable.

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