{"summary":{"n":239,"top2":88,"test_n":125,"test_top2":41,"test_audit_top2":59,"lt150_test_n":69,"lt150_test_top2":1},"states":["AL","AR","CA","CO","DC","FL","GA","IL","IN","KS","KY","LA","MA","MD","ME","MI","MN","MO","MS","MT","NC","NH","NJ","NV","NY","OH","OK","OR","PA","PR","SC","SD","TN","TX","UT","VA","VT","WA","WI","WV","WY"],"total":239,"page":1,"limit":20,"cases":[{"loannumber":"4440597205","borrower":"ALLISON BAVER ENTERTAINMENT LLC","defendant":"Allison Baver Entertainment LLC","state":"UT","city":"SALT LAKE CITY","amount":10000000.0,"date":"04/27/2020","lender":"Meridian Bank","status":"Pleaded/found guilty","title":"Utah Woman Found Guilty of $10M Worth of PPP Loan Fraud","release_date":"1688126400","url":"https://www.justice.gov/usao-ut/pr/utah-woman-found-guilty-10m-worth-ppp-loan-fraud","split":"tune","app_top_share":0.00145,"app_percentile":99.9,"audit_top_share":0.00003,"audit_percentile":100.0,"tier":"high","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"$23,256 per job, above the payroll cap","why":"PPP counted at most $100,000 a year of pay per worker, so a loan should not exceed about $20,833 per job reported ($29,167 for restaurants and hotels, NAICS 72). More means the headcount or the payroll was overstated. Seen in 10% of charged loans vs 2.2% of all PPP loans (4.7x).","scored":true},{"text":"Round amount","why":"PPP amounts come from a payroll formula and normally end in odd dollars. An amount that is an exact multiple of $1,000 suggests the figure was typed in, not calculated. Seen in 12% of charged loans vs 5.2% of all PPP loans (2.4x).","scored":true},{"text":"Business age left blank","why":"The application did not say how old the business is. Seen in 9% of charged loans vs 4.6% of all PPP loans (2.0x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"9377978610","borrower":"KREMKOV INDUSTRIES LLC","defendant":"Kremkov Industries LLC","state":"GA","city":"Douglasville","amount":9554425.0,"date":"03/26/2021","lender":"JPMorgan Chase Bank, National Association","status":"Charged","title":"Marietta man charged in massive PPP fraud scheme","release_date":"1652443200","url":"https://www.justice.gov/usao-ndga/pr/marietta-man-charged-massive-ppp-fraud-scheme","split":"test","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"7590797009","borrower":"ASLAN INTERNATIONAL MINISTRY, INC.","defendant":"Aslan International Ministry, Inc.","state":"FL","city":"ORLANDO","amount":8417200.0,"date":"04/07/2020","lender":"BayFirst National Bank","status":"Indicted","title":"Canadian Father And Son Indicted For Fraudulently Obtaining Over $8 Million In COVID-19 Relief Funds ","release_date":"1671105600","url":"https://www.justice.gov/usao-mdfl/pr/canadian-father-and-son-indicted-fraudulently-obtaining-over-8-million-covid-19-relief","split":"tune","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"2556647700","borrower":"ROAD DOCTOR CALIFORNIA LLC","defendant":"Road Doctor California LLC","state":"CA","city":"TEMECULA","amount":7250000.0,"date":"05/01/2020","lender":"JPMorgan Chase Bank, National Association","status":"Charged","title":"California Man Charged with COVID-Relief Fraud Scheme","release_date":"1619006400","url":"https://www.justice.gov/archives/opa/pr/california-man-charged-covid-relief-fraud-scheme","split":"tune","app_top_share":0.00027,"app_percentile":100.0,"audit_top_share":0.00002,"audit_percentile":100.0,"tier":"high","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"New business","why":"The borrower said the business was new or 2 years old or less. Shell companies created to apply are a common pattern in charged cases. Seen in 16% of charged loans vs 6.1% of all PPP loans (2.7x).","scored":true},{"text":"$362,500 per job, above the payroll cap","why":"PPP counted at most $100,000 a year of pay per worker, so a loan should not exceed about $20,833 per job reported ($29,167 for restaurants and hotels, NAICS 72). More means the headcount or the payroll was overstated. Seen in 10% of charged loans vs 2.2% of all PPP loans (4.7x).","scored":true},{"text":"Round amount","why":"PPP amounts come from a payroll formula and normally end in odd dollars. An amount that is an exact multiple of $1,000 suggests the figure was typed in, not calculated. Seen in 12% of charged loans vs 5.2% of all PPP loans (2.4x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"9939417308","borrower":"AZHAR SARWAR RANA, LLC","defendant":"Azhar Sarwar Rana LLC","state":"NJ","city":"NEWTON","amount":5677473.0,"date":"05/03/2020","lender":"Bank of America, National Association","status":"Sentenced","title":"Sussex County Man Sentenced to 64 Months in Prison for Fraudulently Obtaining $5.6 Million Loan Meant to Help Small Businesses During COVID-19 Pandemic","release_date":"1639483200","url":"https://www.justice.gov/usao-nj/pr/sussex-county-man-sentenced-64-months-prison-fraudulently-obtaining-56-million-loan-meant","split":"test","app_top_share":0.00018,"app_percentile":100.0,"audit_top_share":0.00016,"audit_percentile":100.0,"tier":"high","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"New business","why":"The borrower said the business was new or 2 years old or less. Shell companies created to apply are a common pattern in charged cases. Seen in 16% of charged loans vs 6.1% of all PPP loans (2.7x).","scored":true},{"text":"$516,134 per job, above the payroll cap","why":"PPP counted at most $100,000 a year of pay per worker, so a loan should not exceed about $20,833 per job reported ($29,167 for restaurants and hotels, NAICS 72). More means the headcount or the payroll was overstated. Seen in 10% of charged loans vs 2.2% of all PPP loans (4.7x).","scored":true},{"text":"Far above the sector norm","why":"Dollars per job are at least 3 times the average for the same NAICS sector in the same state. Seen in 5% of charged loans vs 0.7% of all PPP loans (6.2x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"9213937203","borrower":"COMPLETE HOME CARE LLC","defendant":"Complete Home Care, LLC","state":"MA","city":"Revere","amount":2500000.0,"date":"04/28/2020","lender":"Northeast Bank","status":"Arrested","title":"Florida Man Arrested for $2.5 Million COVID-Relief Fraud","release_date":"1654689600","url":"https://www.justice.gov/usao-ma/pr/florida-man-arrested-25-million-covid-relief-fraud","split":"tune","app_top_share":0.02946,"app_percentile":97.1,"audit_top_share":0.00086,"audit_percentile":99.9,"tier":"watch","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Round amount","why":"PPP amounts come from a payroll formula and normally end in odd dollars. An amount that is an exact multiple of $1,000 suggests the figure was typed in, not calculated. Seen in 12% of charged loans vs 5.2% of all PPP loans (2.4x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"6048217408","borrower":"PRICELESS PRESERVATIONS CONSTRUCTION","defendant":"Priceless Preservations Construction","state":"MI","city":"DETROIT","amount":2187500.0,"date":"05/13/2020","lender":"Milestone Bank","status":"Charged","title":"Beverly Hills Man Charged with Over $3 Million In Paycheck Protection Program and Economic Injury Disaster Loans Fraud Scheme","release_date":"1754395200","url":"https://www.justice.gov/usao-edmi/pr/beverly-hills-man-charged-over-3-million-paycheck-protection-program-and-economic","split":"tune","app_top_share":0.00266,"app_percentile":99.7,"audit_top_share":0.00056,"audit_percentile":99.9,"tier":"high","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"$43,750 per job, above the payroll cap","why":"PPP counted at most $100,000 a year of pay per worker, so a loan should not exceed about $20,833 per job reported ($29,167 for restaurants and hotels, NAICS 72). More means the headcount or the payroll was overstated. Seen in 10% of charged loans vs 2.2% of all PPP loans (4.7x).","scored":true},{"text":"Far above the sector norm","why":"Dollars per job are at least 3 times the average for the same NAICS sector in the same state. Seen in 5% of charged loans vs 0.7% of all PPP loans (6.2x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"7112797004","borrower":"TARGET ROOFING AND SHEET METAL, INC.","defendant":"Target Roofing and Sheet Metal, Inc.","state":"FL","city":"FORT MYERS","amount":2098700.0,"date":"04/07/2020","lender":"Sanibel Captiva Community Bank","status":"Indicted","title":"Fort Myers Business Owner Indicted For COVID Relief Fraud","release_date":"1600948800","url":"https://www.justice.gov/usao-mdfl/pr/fort-myers-business-owner-indicted-covid-relief-fraud","split":"tune","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"8201027101","borrower":"FLAME TRUCKING INC","defendant":"Flame Trucking","state":"GA","city":"DACULA","amount":2045300.0,"date":"04/15/2020","lender":"United Community Bank","status":"Charged","title":"Reality TV personality charged with bank fraud","release_date":"1589371200","url":"https://www.justice.gov/usao-ndga/pr/reality-tv-personality-charged-bank-fraud","split":"tune","app_top_share":0.00851,"app_percentile":99.1,"audit_top_share":0.00095,"audit_percentile":99.9,"tier":"high","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"New business","why":"The borrower said the business was new or 2 years old or less. Shell companies created to apply are a common pattern in charged cases. Seen in 16% of charged loans vs 6.1% of all PPP loans (2.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"1747577908","borrower":"SOSUDA TECH","defendant":"Sosuda Tech LLC","state":"MA","city":"Winchester","amount":2000000.0,"date":"06/10/2020","lender":"Fundbox, Inc.","status":"Charged","title":"Massachusetts Man Charged with COVID-Relief Fraud","release_date":"1592827200","url":"https://www.justice.gov/archives/opa/pr/massachusetts-man-charged-covid-relief-fraud","split":"tune","app_top_share":0.00021,"app_percentile":100.0,"audit_top_share":0.00011,"audit_percentile":100.0,"tier":"high","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"New business","why":"The borrower said the business was new or 2 years old or less. Shell companies created to apply are a common pattern in charged cases. Seen in 16% of charged loans vs 6.1% of all PPP loans (2.7x).","scored":true},{"text":"Fintech-channel lender","why":"Approved by a lender the House Select Subcommittee (Dec 2022) or POGO (Oct 2020) tied to large numbers of fraudulent PPP loans. This is a channel risk, not evidence about this borrower. Seen in 56% of charged loans vs 26.4% of all PPP loans (2.1x).","scored":true},{"text":"Round amount","why":"PPP amounts come from a payroll formula and normally end in odd dollars. An amount that is an exact multiple of $1,000 suggests the figure was typed in, not calculated. Seen in 12% of charged loans vs 5.2% of all PPP loans (2.4x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"6985207900","borrower":"BRIAN BUI INC","defendant":"Brian Bui","state":"TX","city":"Plano","amount":1896208.0,"date":"06/16/2020","lender":"Kabbage, Inc.","status":"Pleaded/found guilty","title":"Collin County Dentist Guilty of COVID-19 Relief Related Fraud","release_date":"1668772800","url":"https://www.justice.gov/usao-edtx/pr/collin-county-dentist-guilty-covid-19-relief-related-fraud","split":"test","app_top_share":0.01062,"app_percentile":98.9,"audit_top_share":0.00173,"audit_percentile":99.8,"tier":"elevated","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Fintech-channel lender","why":"Approved by a lender the House Select Subcommittee (Dec 2022) or POGO (Oct 2020) tied to large numbers of fraudulent PPP loans. This is a channel risk, not evidence about this borrower. Seen in 56% of charged loans vs 26.4% of all PPP loans (2.1x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false},{"text":"No exact-name match in the Texas business registry (context, not scored)","why":"Entity borrowers normally register with the state. Between 18% and 37% of entity loans in covered states have no exact match because of name variants, DBAs, out-of-state formation or later dissolution, so this alone means little.","scored":false}]},{"loannumber":"4268427807","borrower":"WILCARR VENTURES, LLC","defendant":"WilCarr Ventures, LLC","state":"AR","city":"Little Rock","amount":1600000.0,"date":"05/28/2020","lender":"Celtic Bank Corporation","status":"Sentenced","title":"Little Rock Woman Sentenced to Two Years in Federal Prison for COVID Relief Fraud","release_date":"1766059200","url":"https://www.justice.gov/usao-edar/pr/little-rock-woman-sentenced-two-years-federal-prison-covid-relief-fraud","split":"test","app_top_share":0.00307,"app_percentile":99.7,"audit_top_share":0.00037,"audit_percentile":100.0,"tier":"high","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Fintech-channel lender","why":"Approved by a lender the House Select Subcommittee (Dec 2022) or POGO (Oct 2020) tied to large numbers of fraudulent PPP loans. This is a channel risk, not evidence about this borrower. Seen in 56% of charged loans vs 26.4% of all PPP loans (2.1x).","scored":true},{"text":"Round amount","why":"PPP amounts come from a payroll formula and normally end in odd dollars. An amount that is an exact multiple of $1,000 suggests the figure was typed in, not calculated. Seen in 12% of charged loans vs 5.2% of all PPP loans (2.4x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"7615467306","borrower":"SUGA GIRL CUSTOMS LLC","defendant":"Suga Girl Customs, LLC","state":"AR","city":"Little Rock","amount":1518887.0,"date":"04/30/2020","lender":"Celtic Bank Corporation","status":"Charged","title":"Little Rock Woman Charged with COVID Relief Fraud","release_date":"1594900800","url":"https://www.justice.gov/usao-edar/pr/little-rock-woman-charged-covid-relief-fraud","split":"tune","app_top_share":0.01062,"app_percentile":98.9,"audit_top_share":0.00173,"audit_percentile":99.8,"tier":"elevated","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Fintech-channel lender","why":"Approved by a lender the House Select Subcommittee (Dec 2022) or POGO (Oct 2020) tied to large numbers of fraudulent PPP loans. This is a channel risk, not evidence about this borrower. Seen in 56% of charged loans vs 26.4% of all PPP loans (2.1x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"1893747201","borrower":"ENVISIONING FUTURE INC","defendant":"Envisioning Future Inc.","state":"CA","city":"San Bernardino","amount":1267140.0,"date":"04/15/2020","lender":"Harvest Small Business Finance, LLC","status":"Pleaded/found guilty","title":"Riverside County Man Pleads Guilty to Federal Criminal Charges for Fraudulently Obtaining $6.6 Million in COVID-Relief Business Loans","release_date":"1659441600","url":"https://www.justice.gov/usao-cdca/pr/riverside-county-man-pleads-guilty-federal-criminal-charges-fraudulently-obtaining-66","split":"tune","app_top_share":0.00891,"app_percentile":99.1,"audit_top_share":0.00102,"audit_percentile":99.9,"tier":"high","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Fintech-channel lender","why":"Approved by a lender the House Select Subcommittee (Dec 2022) or POGO (Oct 2020) tied to large numbers of fraudulent PPP loans. This is a channel risk, not evidence about this borrower. Seen in 56% of charged loans vs 26.4% of all PPP loans (2.1x).","scored":true},{"text":"2 different borrowers at this address","why":"At least one other borrower with a different name used the same street address and ZIP. Seen in 28% of charged loans vs 22.5% of all PPP loans (1.3x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]},{"loannumber":"3653567805","borrower":"DRIP ENTERTAINMENT LLC","defendant":"Drip Entertainment LLC","state":"FL","city":"Miami","amount":1246565.0,"date":"05/26/2020","lender":"Cross River Bank","status":"Charged","title":"NFL Player Charged for Role in $24 Million COVID-Relief Fraud Scheme ","release_date":"1599739200","url":"https://www.justice.gov/archives/opa/pr/nfl-player-charged-role-24-million-covid-relief-fraud-scheme","split":"test","app_top_share":0.00034,"app_percentile":100.0,"audit_top_share":0.00004,"audit_percentile":100.0,"tier":"high","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Fintech-channel lender","why":"Approved by a lender the House Select Subcommittee (Dec 2022) or POGO (Oct 2020) tied to large numbers of fraudulent PPP loans. This is a channel risk, not evidence about this borrower. Seen in 56% of charged loans vs 26.4% of all PPP loans (2.1x).","scored":true},{"text":"$26,523 per job, above the payroll cap","why":"PPP counted at most $100,000 a year of pay per worker, so a loan should not exceed about $20,833 per job reported ($29,167 for restaurants and hotels, NAICS 72). More means the headcount or the payroll was overstated. Seen in 10% of charged loans vs 2.2% of all PPP loans (4.7x).","scored":true},{"text":"Business age left blank","why":"The application did not say how old the business is. Seen in 9% of charged loans vs 4.6% of all PPP loans (2.0x).","scored":true},{"text":"2 different borrowers at this address","why":"At least one other borrower with a different name used the same street address and ZIP. Seen in 28% of charged loans vs 22.5% of all PPP loans (1.3x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"8503807900","borrower":"WILLIAMS CONSULTING GROUP LLC","defendant":"Williams Consulting Group LLC","state":"FL","city":"Tamarac","amount":984710.0,"date":"06/18/2020","lender":"Celtic Bank Corporation","status":"Charged","title":"Local Basketball Coach Charged in Federal Court with Defrauding Covid-19 Relief Program out of Almost $1 Million","release_date":"1605268800","url":"https://www.justice.gov/usao-sdfl/pr/local-basketball-coach-charged-federal-court-defrauding-covid-19-relief-program-out","split":"test","app_top_share":0.01062,"app_percentile":98.9,"audit_top_share":0.00173,"audit_percentile":99.8,"tier":"elevated","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Fintech-channel lender","why":"Approved by a lender the House Select Subcommittee (Dec 2022) or POGO (Oct 2020) tied to large numbers of fraudulent PPP loans. This is a channel risk, not evidence about this borrower. Seen in 56% of charged loans vs 26.4% of all PPP loans (2.1x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"7426279007","borrower":"JAGUAR LOGISTICS LLC","defendant":"Jaguar Logistics, LLC","state":"OH","city":"Reynoldsburg","amount":980833.0,"date":"05/25/2021","lender":"Economic and Community Development Institute","status":"Charged","title":"2 Central Ohio women charged federally for $2.8 million in covid-relief fraud","release_date":"1693396800","url":"https://www.justice.gov/usao-sdoh/pr/2-central-ohio-women-charged-federally-28-million-covid-relief-fraud","split":"test","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"9325877410","borrower":"ALTERNATIVE HEALTH SERVICES INC","defendant":"Alternative Health Services Inc.","state":"CA","city":"Los Gatos","amount":968989.0,"date":"05/20/2020","lender":"Cross River Bank","status":"Sentenced","title":"Santa Clara Woman Sentenced To 18 Months In Prison For Fraudulently Obtaining More Than $2.8 Million In Pandemic Relief Funds","release_date":"1758715200","url":"https://www.justice.gov/usao-ndca/pr/santa-clara-woman-sentenced-18-months-prison-fraudulently-obtaining-more-28-million","split":"tune","app_top_share":0.00008,"app_percentile":100.0,"audit_top_share":0.00009,"audit_percentile":100.0,"tier":"high","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Fintech-channel lender","why":"Approved by a lender the House Select Subcommittee (Dec 2022) or POGO (Oct 2020) tied to large numbers of fraudulent PPP loans. This is a channel risk, not evidence about this borrower. Seen in 56% of charged loans vs 26.4% of all PPP loans (2.1x).","scored":true},{"text":"$96,899 per job, above the payroll cap","why":"PPP counted at most $100,000 a year of pay per worker, so a loan should not exceed about $20,833 per job reported ($29,167 for restaurants and hotels, NAICS 72). More means the headcount or the payroll was overstated. Seen in 10% of charged loans vs 2.2% of all PPP loans (4.7x).","scored":true},{"text":"Far above the sector norm","why":"Dollars per job are at least 3 times the average for the same NAICS sector in the same state. Seen in 5% of charged loans vs 0.7% of all PPP loans (6.2x).","scored":true},{"text":"Business age left blank","why":"The application did not say how old the business is. Seen in 9% of charged loans vs 4.6% of all PPP loans (2.0x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"5559198005","borrower":"ATLANTA LUXURY CARS & TRUCKS LLC","defendant":"Atlanta Luxury Cars & Trucks LLC","state":"GA","city":"Atlanta","amount":968405.0,"date":"06/29/2020","lender":"Kabbage, Inc.","status":"Indicted","title":"Atlanta promoter and entrepreneur indicted for Paycheck Protection Program fraud","release_date":"1674475200","url":"https://www.justice.gov/usao-ndga/pr/atlanta-promoter-and-entrepreneur-indicted-paycheck-protection-program-fraud","split":"test","app_top_share":0.01062,"app_percentile":98.9,"audit_top_share":0.00173,"audit_percentile":99.8,"tier":"elevated","top2":true,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Fintech-channel lender","why":"Approved by a lender the House Select Subcommittee (Dec 2022) or POGO (Oct 2020) tied to large numbers of fraudulent PPP loans. This is a channel risk, not evidence about this borrower. Seen in 56% of charged loans vs 26.4% of all PPP loans (2.1x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true},{"text":"Loan charged off (context, not scored)","why":"The lender wrote the loan off as unpaid instead of it being forgiven or repaid. 4.7x more common among charged small loans, but it is an after-the-fact outcome.","scored":false}]},{"loannumber":"5260048208","borrower":"ADA AUTO GROUP","defendant":"ADA Auto Group LLC","state":"FL","city":"BOCA RATON","amount":953800.0,"date":"08/07/2020","lender":"BankVista","status":"Pleaded/found guilty","title":"Woman Pleads Guilty for $43.8 Million COVID-19 Relief Fraud Scheme","release_date":"1649246400","url":"https://www.justice.gov/archives/opa/pr/woman-pleads-guilty-438-million-covid-19-relief-fraud-scheme","split":"tune","app_top_share":0.10121,"app_percentile":89.9,"audit_top_share":0.00383,"audit_percentile":99.6,"tier":"low","top2":false,"audit_top2":true,"flags":[{"text":"Loan of $150,000 or more","why":"Charged cases skew to larger loans, partly because prosecutors prioritize them. This raises priority, not suspicion. Seen in 49% of charged loans vs 8.4% of all PPP loans (5.7x).","scored":true},{"text":"Not forgiven (audit score only)","why":"No forgiveness is recorded. Charged loans are rarely forgiven; most honest loans were. This is an after-the-fact outcome, so it is used only in the audit score. Seen in 64% of charged loans vs 7.8% of all PPP loans (8.1x).","scored":true}]}]}