Opinion ID: 1026252
Heading Depth: 5
Heading Rank: 2

Heading: to obtain any of the moneys, funds,

Text: credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises; shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both. 18. U.S.C. § 1344. McGlon does not challenge his conviction for substantive bank fraud. He only attacks bank fraud as an object of the Count I conspiracy charge. In committing bank fraud, McGlon acted in concert with other individuals, including Watlington and Muwwakkil. While other members of the conspiracy played more visible roles, McGlon agreed to commit the offense, willingly participated, and 13 committed overt acts in furtherance of the conspiracy. For example, McGlon met with a victim of the counterfeit check scheme, who sought a refund of the returned check, and represented himself as an associate of Continental Investment Bank. The victim never received his money. Additionally, McGlon had documents made, such as stand-by letters of credit and CDs, which were then used in the fraud.13 Although Watlington and Muwwakkil dealt with the fraud victims more directly, McGlon participated in the bank fraud willingly and committed overt acts to perpetuate that fraud.