Thompson v. United States

604 U.S. 408
CourtSupreme Court of the United States
DecidedMarch 21, 2025
Docket23-1095
StatusPublished

This text of 604 U.S. 408 (Thompson v. United States) is published on Counsel Stack Legal Research, covering Supreme Court of the United States primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Thompson v. United States, 604 U.S. 408 (2025).

Opinion

PRELIMINARY PRINT

Volume 604 U. S. Part 2 Pages 408–422

OFFICIAL REPORTS OF

THE SUPREME COURT March 21, 2025

REBECCA A. WOMELDORF reporter of decisions

NOTICE: This preliminary print is subject to formal revision before the bound volume is published. Users are requested to notify the Reporter of Decisions, Supreme Court of the United States, Washington, D. C. 20543, pio@supremecourt.gov, of any typographical or other formal errors. 408 OCTOBER TERM, 2024

Syllabus

THOMPSON v. UNITED STATES

certiorari to the united states court of appeals for the seventh circuit No. 23–1095. Argued January 14, 2025—Decided March 21, 2025 Patrick Thompson took out three loans totaling $219,000 from one bank. After the bank failed, the Federal Deposit Insurance Corporation (FDIC) became responsible for collecting the outstanding loans. Dur- ing a call with the FDIC's loan servicer, Thompson disputed the $269,120.58 balance shown on his invoice (which consisted of the $219,000 Thompson had borrowed plus interest), stating that he had “no idea where the 269 number comes from” and that he “borrowed . . . $110,000.” Thompson made similar statements in a later call with FDIC contrac- tors. Thompson was later charged with violating 18 U. S. C. § 1014, which prohibits “knowingly mak[ing] any false statement” to infuence the FDIC's action on any loan. A jury found Thompson guilty, and he moved for acquittal, arguing that his statements were not false because he had in fact borrowed $110,000, even though he later borrowed more. The courts below concluded that they did not need to reach that argu- ment because they read § 1014 to also criminalize misleading statements, and Thompson's statements were at least misleading. Held: Section 1014, which prohibits “knowingly mak[ing] any false state- ment,” does not criminalize statements that are misleading but not false. Pp. 413–418. (a) The statutory text criminalizes “false statement[s]” but does not use the word “misleading.” False and misleading are two different things. A misleading statement can be true, and a true statement is not false. Given that, it is signifcant that the statute uses only the word “false,” which means “not true.” Adding “any” before “false statement” does not transform the scope of the statute. A statute that applies to “any false statement” does not cover all misleading state- ments, only the “false” ones. While the Government argues that “false” and “misleading” have long been considered synonyms, the over- lap between false statements and misleading ones is beside the point. The only relevant question under the text of § 1014 is whether the state- ment—even if misleading, deceitful, or some other adjective—is also “false.” Pp. 413–415. (b) Statutory context confrms that § 1014 does not cover all mislead- ing statements. Many other statutes, including other criminal statutes in Title 18, expressly prohibit both “false” and “misleading” statements. Cite as: 604 U. S. 408 (2025) 409

Interpreting “false” in § 1014 to include “misleading” would make the inclusion of “misleading” in those statutes superfuous. Further, when § 1014 was enacted in 1948, none of the 11 predecessor provisions con- solidated into § 1014 used the word “misleading,” while many other statutes from the same period used the phrase “false or misleading.” Historical context thus confrms that when Congress intended to cover all misleading statements, “it knew how to do so.” Custis v. United States, 511 U. S. 485, 492. Pp. 415–416. (c) Precedent supports the Court's reading of § 1014. In United States v. Wells, 519 U. S. 482, the Court held that § 1014 does not incor- porate a materiality requirement because the statute does not “so much as mention materiality,” whereas many other statutes do. Id., at 490, 492. The same logic suggests that § 1014 does not reach all misleading statements. In Williams v. United States, 458 U. S. 279, the Court re- versed a conviction under § 1014 for depositing several bad checks, on the basis that the defendant's conduct “did not involve the making of a `false statement' ” because “a check is not a factual assertion at all, and therefore cannot be characterized as `true' or `false.' ” Id., at 284. That logic shows that a conviction under § 1014 requires at least two things: (1) the defendant made a statement, and (2) that statement can be characterized as “false” and not “true.” Section 1014 does not cover a statement rendered misleading by virtue of a material omission unless that statement can be characterized as “false” and not “true.” Finally, the Court's decision in Kay v. United States, 303 U. S. 1, does not sup- port the Government, as Kay did not suggest that misleading statements were independently unlawful under § 1014's predecessor. Pp. 416–417. (d) The right question under § 1014 is whether Thompson's state- ments were false, and the Court agrees that at least some context is relevant to that determination. The Court remands for the Seventh Circuit to determine whether a reasonable jury could fnd that Thomp- son's statements were false. Pp. 417–418. 89 F. 4th 1010, vacated and remanded.

Roberts, C. J., delivered the opinion for a unanimous Court. Alito, J., post, p. 418, and Jackson, J., post, p. 421, fled concurring opinions.

Chris Gair argued the cause for petitioner. With him on the briefs was Stuart Banner. Caroline A. Flynn argued the cause for the United States. With her on the brief were Solicitor General Prelogar, Prin- 410 THOMPSON v. UNITED STATES

Opinion of the Court

cipal Deputy Assistant Attorney General Argentieri, Dep- uty Solicitor General Feigin, and Sofa M. Vickery.* Chief Justice Roberts delivered the opinion of the Court. Patrick Thompson took out three loans totaling $219,000 from the same bank. Later, Thompson told the Federal De- posit Insurance Corporation (FDIC) that he had “borrowed . . . $110,000” from the bank. Thompson was indicted under 18 U. S. C. § 1014 for making “false statement[s]” to the FDIC. Thompson argued that his statements were not false because he had in fact taken out a loan for $110,000 just as he said. Both the District Court and the Seventh Circuit held that they did not need to consider that argument. In their view, the prohibition in § 1014 against “false state- ment[s]” extends to misleading ones as well, and Thompson's statements were at least misleading in failing to mention the additional loans. The question presented is whether § 1014 criminalizes statements that are misleading but not false.

I A Between 2011 and 2014, Patrick Thompson took out three loans from the Washington Federal Bank for Savings. Thompson frst borrowed $110,000 in 2011 to make an equity contribution to a law firm. Thompson then borrowed $20,000 from the Bank in 2013 and another $89,000 in 2014, resulting in a total loan balance of $219,000. In 2017, the Bank failed, and the FDIC became responsible for collecting the Bank's outstanding loans. As part of that process, the FDIC's loan servicer—Planet Home Lending—sent Thomp- son an invoice in February 2018 listing a balance due of

*Briefs of amici curiae urging reversal were fled for the National Asso- ciation of Criminal Defense Lawyers by Steven F.

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Related

Kay v. United States
303 U.S. 1 (Supreme Court, 1938)
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Freeman v. Quicken Loans, Inc.
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United States v. Eric Duke
736 F.3d 439 (Sixth Circuit, 2013)
United States v. Wells
519 U.S. 482 (Supreme Court, 1997)
Custis v. United States
511 U.S. 485 (Supreme Court, 1994)
United States v. Laurance Freed
921 F.3d 716 (Seventh Circuit, 2019)
United States v. Briggs
592 U.S. 69 (Supreme Court, 2020)
United States v. Peter Armbruster
48 F.4th 527 (Seventh Circuit, 2022)
United States v. Patrick Thompson
89 F.4th 1010 (Seventh Circuit, 2024)
Thompson v. United States
604 U.S. 408 (Supreme Court, 2025)

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604 U.S. 408, Counsel Stack Legal Research, https://law.counselstack.com/opinion/thompson-v-united-states-scotus-2025.