Thompson v. United States

604 U.S. 408, 145 S. Ct. 821
Supreme Court of the United States·Decided March 21, 2025·No. 23-1095·Published·Cited by 7 cases

Opinion

(Slip Opinion) OCTOBER TERM, 2024 1

Syllabus

NOTE: Where it is feasible, a syllabus (headnote) will be released, as is being done in connection with this case, at the time the opinion is issued. The syllabus constitutes no part of the opinion of the Court but has been prepared by the Reporter of Decisions for the convenience of the reader. See United States v. Detroit Timber & Lumber Co., 200 U. S. 321, 337.

SUPREME COURT OF THE UNITED STATES

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 contractors. Thompson was later charged with violating 18 U. S. C. §1014, which prohibits “knowingly mak[ing] any false state- ment” to influence the FDIC’s action on any loan. A jury found Thomp- son 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 argument because they read §1014 to also criminal- ize 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. 4–10. (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 significant that the statute uses only the word “false,” which means “not true.” Adding “any” before “false state- ment” does not transform the scope of the statute. A statute that ap- plies to “any false statement” does not cover all misleading statements, only the “false” ones. While the Government argues that “false” and 2 THOMPSON v. UNITED STATES

“misleading” have long been considered synonyms, the overlap be- tween 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. 4–6. (b) Statutory context confirms that §1014 does not cover all mislead- ing statements. Many other statutes, including other criminal stat- utes in Title 18, expressly prohibit both “false” and “misleading” state- ments. Interpreting “false” in §1014 to include “misleading” would make the inclusion of “misleading” in those statutes superfluous. Fur- ther, when §1014 was enacted in 1948, none of the 11 predecessor pro- visions consolidated into §1014 used the word “misleading,” while many other statutes from the same period used the phrase “false or misleading.” Historical context thus confirms that when Congress in- tended to cover all misleading statements, “it knew how to do so.” Cus- tis v. United States, 511 U. S. 485, 492. Pp. 6–7. (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 in- corporate 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 reversed 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 asser- tion 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 support the Government, as Kay did not suggest that mis- leading statements were independently unlawful under §1014’s prede- cessor. Pp. 7–9. (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 find that Thomp- son’s statements were false. Pp. 9–10. 89 F. 4th 1010, vacated and remanded.

ROBERTS, C. J., delivered the opinion for a unanimous Court. ALITO, J., and JACKSON, J., filed concurring opinions. Cite as: 604 U. S. ____ (2025) 1

Opinion of the Court

NOTICE: This opinion is subject to formal revision before publication in the United States Reports. Readers 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.

SUPREME COURT OF THE UNITED STATES _________________

No. 23–1095 _________________

PATRICK D. THOMPSON, PETITIONER v. UNITED STATES ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF APPEALS FOR THE SEVENTH CIRCUIT [March 21, 2025]

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 Thomp- son’s statements were at least misleading in failing to men- tion 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. 2 THOMPSON v. UNITED STATES

Thompson first borrowed $110,000 in 2011 to make an eq- uity 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 col- lecting the Bank’s outstanding loans.

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