Former DOJ, SBA, and OIG PPP Fraud Lawyers Defending Companies and Executives on PPP Loans of $400,000 or More

Former SBA and Procurement Officials and former federal fraud prosecutors · Federal PPP False Claims Act investigations, civil investigative demands (CIDs), grand jury subpoenas, and indictments · Nationwide

Call 1 (866) 601-5518.  Free, confidential consultation.

You are here because something has changed. A civil investigative demand arrived. An agent called your office or came to your home. Your bank, your bookkeeper, or your CPA was served with a grand jury subpoena. Or you have been indicted. You are trying to work out how serious this is and what to do about it today, not next month.

Here is what is true right now, whatever brought you here:

1. A forgiven PPP loan can still be prosecuted. Congress set a 10-year statute of limitations for PPP fraud. Loans made in 2020 and 2021 remain within reach into 2030 and 2031.
2. The government has probably been working your file for months. By the time most people hear about a PPP investigation, investigators have already compared the loan application with the forgiveness application and pulled bank, payroll, and tax records.
3. The decisions you make in the next few days matter more than anything that happened in 2020. What you say, what you preserve, and who speaks for you decide whether this stays a civil matter, resolves early, or becomes a criminal case.

When Our PPP Fraud Defense Lawyers Step In 

Watson & Associates defends companies, owners, and executives, never whistleblowers. We represent clients:

• In federal False Claims Act PPP matters where more than $300,000 is at issue
• When a civil investigative demand (CID) has been served by the Department of Justice
• When a grand jury or other criminal subpoena has been served on you, your company, your lender, your accountant, or your employees
• When an indictment has been returned

Own more than one business? Most PPP investigations of owners with several companies turn on SBA’s affiliation rule, 13 CFR 121.301, and the version that applied to your loans is not the one online today. Jump to our multi-business section ↓

What happens when you call:

• You speak with an attorney, not an intake screener.
• We review the CID, subpoena, target letter, or indictment with you and tell you what it reveals about the government’s theory and how far along the investigation is.
• You receive a written seven-day roadmap: what to preserve, your deadlines and whether they can be extended, who should and should not speak with the government, and whether you personally need counsel separate from your company.
• You get a straight assessment. If your matter falls outside what we handle, we will tell you and point you in the right direction.

Call 1 (866) 601-5518   |   Request a Confidential Case Review   |   Download the Free PPP CID Investigation Response Checklist

If You Have Already Been Contacted

If an agent has approached you or a warrant has been executed, a few things are worth doing immediately and calmly.

Decline to answer questions until counsel is present. A simple, direct statement is enough: “I am exercising my right to remain silent, and I want my attorney present before I answer any questions.” There is no need to explain, clarify, or fill the silence afterward. That instinct is understandable, but it is how straightforward situations become complicated ones.

Extend the same restraint to your employees. Informal conversations after a search warrant or subpoena, even well-intentioned ones, can later be characterized as witness coordination if they happen outside counsel’s guidance.

Preserve records rather than reorganize them. Nothing should be deleted, archived, or “cleaned up” once an inquiry is underway. That alone can support a separate obstruction allegation, regardless of how the underlying PPP issue is resolved.

Reach counsel within 24 hours if at all possible. Pre-charge representation is consistently the strongest lever available for a declination, a civil resolution instead of criminal exposure, or negotiated terms. All of these become harder to reach once formal charges are filed.

If this is happening today, call 1 (866) 601-5518. If it isn’t yet urgent, the sections below explain what track your matter is on and why that distinction matters.

CID, Grand Jury Subpoena, or Indictment in PPP Fraud Cases: What the Document You Received Means

The document in your hand tells you which track the government is on and how far along it is.

What you received	What it usually means	Your first moves
Civil investigative demand (31 U.S.C. § 3733)	DOJ is investigating under the False Claims Act, often because a whistleblower filed a sealed complaint	Litigation hold; calendar the return date; negotiate scope and timing through counsel before it passes
Grand jury or other criminal subpoena	A criminal investigation is open. You may be a witness, a subject, or a target	Determine your status; do not discuss testimony with other recipients; preserve, don’t reorganize
Target letter	Prosecutors consider you a likely defendant	Do not contact the prosecutor yourself; counsel should respond before any deadline in the letter
Indictment	A grand jury found probable cause and charges are filed	Arraignment and release conditions; forfeiture exposure; early review of how the government built its case

The same PPP facts often run on the civil and criminal tracks at the same time. A CID response that reads well to a civil attorney can become a criminal exhibit. We defend both tracks as one strategy, with the same team. Learn more about responding to a civil investigative demand →

What the Government Has Likely Already Done in Your PPP Fraud Case

By the time most clients reach us, the investigation has been open for months, sometimes longer. Before an agent ever calls or a subpoena arrives, investigators have typically:

• Compared the original loan application against the forgiveness application
• Pulled bank records, payroll data (Forms 941, W-2s, payroll registers), and tax filings
• Examined corporate formation documents and ownership for affiliation issues under 13 CFR § 121.301
• Spoken with the lender, current or former employees, bookkeepers, or former business partners
• Run the loan through data analytics. SBA published loan-level PPP data, and private “data-miner” whistleblowers now match it against corporate filings, shared addresses, and tax records to file sealed lawsuits

Their objective at this stage is narrow: find contradictions and frame them as false statements. That is the lens through which everything you say or produce from this point forward will be read.

Why this is happening now. PPP enforcement is expanding, not winding down. On September 14, 2026, the administration announced it would suspend roughly 870,000 individuals suspected of COVID-era loan fraud from future federal loans, and the Attorney General confirmed that 500 prosecutors are focused on pandemic fraud nationwide. DOJ created a National Fraud Enforcement Division in April 2026. And in fiscal year 2025 alone, DOJ reported more than 200 pandemic-related False Claims Act settlements and judgments exceeding $230 million.

 Criminal PPP Fraud or Civil False Claims Act: Which One Applies to You

This distinction shapes the entire defense strategy. PPP allegations move through two different systems, and sometimes a third (SBA’s own loan review).

	Criminal PPP fraud	Civil False Claims Act (31 U.S.C. § 3729)	SBA loan review
Brought by	U.S. Attorney’s Office with FBI, SBA-OIG, IRS-CI	DOJ Civil Division, or a whistleblower (qui tam relator)	SBA
Standard	Knowing intent to defraud, beyond a reasonable doubt	Knowledge, deliberate ignorance, or reckless disregard, by a preponderance of the evidence	Ineligibility for the loan, the amount, or forgiveness
Exposure	Federal prison (up to 20–30 years depending on the statute), restitution, forfeiture	Treble damages plus a per-claim penalty ($14,308–$28,619 for penalties assessed after July 3, 2025)	Repayment; Treasury collection
Early signals	Search warrant, target letter, grand jury subpoena	Civil investigative demand, or an unsealed whistleblower complaint	Document request; final loan review decision (30 days to appeal to SBA’s Office of Hearings and Appeals)

 

Matters move between tracks. A civil inquiry can become criminal if investigators identify a pattern; a criminal matter can resolve civilly if the intent evidence is weak. Because this firm handles criminal defense and civil False Claims Act defense directly, the strategy is built around the track your case is actually on.

One clarification: Watson & Associates represents companies and individuals who are the subject of an investigation or claim. We do not file qui tam whistleblower suits. If you want to report fraud, that is a different kind of representation, and we are glad to point you in the right direction.

When Does a Forgiven PPP Loan Become a Fraud Case?

Short answer: A forgiven PPP loan becomes a fraud case when the government believes someone knowingly made a false statement that mattered to eligibility, the loan amount, or forgiveness. Forgiveness is not a release. SBA can review a loan after forgiveness, DOJ can sue under the False Claims Act, and prosecutors can charge the same conduct criminally. What separates a repayment dispute from a fraud case is rarely the error itself. It is the evidence about what the signer knew and intended.

Facts that tend to push a matter toward fraud:

• Payroll, headcount, or revenue figures that don’t match tax and payroll filings
• Other businesses owned by the applicant or its owners left off the application (Question 3 and Addendum A of SBA Form 2483)
• More than one first-draw loan for the same business (“loan stacking”)
• PPP proceeds spent on personal expenses, investments, or another company’s bills
• Documents created or changed after the fact

Facts that tend to point the other way: an application prepared by a lender or CPA who had the full picture, a good-faith reading of guidance that changed repeatedly, and proceeds that went to the borrower’s own payroll and eligible costs.

Two points borrowers are often surprised by: a denied application can still be charged, because 18 U.S.C. § 1014 reaches false statements made to influence a lender or SBA; and the forgiveness application carries its own certifications, so an accurate loan application followed by an inaccurate forgiveness request can still create exposure.

What Counts as PPP Loan Fraud

Not every discrepancy on a PPP application amounts to fraud. The government must prove intent, not merely error. The allegations we see most often fall into these categories:

• Application misrepresentation: overstated payroll costs, employee counts, or revenue
• Affiliation violations under 13 CFR § 121.301: most often a failure to disclose commonly owned or controlled businesses in a way that pushed the applicant over a size limit (see the multi-business section below)
• Loan stacking: more than one first-draw loan for the same business, often from different lenders
• Certification issues: the “necessity” or “use of funds” certifications signed without a good-faith basis
• Misuse of funds: proceeds spent outside payroll, rent, mortgage interest, utilities, and the other categories the program allowed
• Forgiveness application fraud: compliance certified at the forgiveness stage despite known inaccuracies

Good-faith reliance on an accountant, a lender’s instructions, or genuinely ambiguous program guidance remains a real defense in many of these cases. It needs to be documented and presented early, before the government’s theory has hardened.

If You Own More Than One Business: PPP Affiliation Investigations Under 13 CFR 121.301 – Our SBA PPP Fraud Lawyers Can Help

For owners of several companies, this is very often where the case actually lives. And it is one of the most misunderstood corners of SBA law, including, at times, by the investigators applying it.

Maybe you own a contracting firm and the LLC that holds its equipment. Maybe several restaurant locations, each its own entity. Maybe a business you run and another your spouse or sibling runs. More than one of those companies took a PPP loan, and the loans were forgiven. Now the government is asking a narrow, technical question: were your businesses actually separate under the affiliation rule that applied on the day each application was signed?

That question is driving a growing share of PPP enforcement. The early cases involved luxury cars and fake payroll. Many of the matters now being resolved turn on employee headcount, affiliated companies, and corporate families:

• In January 2026, four companies and their three owners in Texas agreed to pay $2.65 million to resolve allegations that they misreported payroll costs and employee counts.
• A New York fashion company paid $3.2 million and admitted it was ineligible for a second-draw loan once its domestic and foreign affiliates were counted.
• In May 2026, the District of South Carolina announced more than $7.9 million in settlements with five companies, alleging each understated headcount by leaving out employees of foreign parents and subsidiaries.

How investigators test whether your businesses were really separate

Investigators start with your documents, not the regulation. In multi-entity cases they typically pull and compare:

• Every PPP application and Addendum A for every related company, first draw and second draw
• Every forgiveness application
• Formation and governing documents, with attention to when they were signed
• Payroll records, PEO or common-paymaster arrangements, and whether the same employees appear under more than one company
• Bank records showing where each loan was deposited and whether PPP money moved between companies
• Tax returns, Schedule K-1 ownership, and management fees between entities
• The lender’s and the CPA’s files, including how headcount was counted
• Public data: Secretary of State filings, registered agents, shared addresses. SBA’s Inspector General has identified shared IP addresses and EINs among its PPP fraud indicators

Then they ask three questions: Did the application disclose the other businesses? Did the group, counted together, fit within the limits? Did the money stay with the company that borrowed it?

The affiliation rule changed in 2023, and your loans are judged under the old one

13 CFR 121.301(f) is the affiliation rule for SBA’s business loan programs, and PPP applied it. But SBA amended § 121.301 in 2023 (88 Fed. Reg. 21086, April 10, 2023). Today’s version is built mainly around ownership thresholds; for example, an individual who owns more than 50 percent of two businesses in the same three-digit NAICS subsector. SBA explained the change by describing its earlier control-based analysis as complex, burdensome, confusing to applicants and lenders, and vulnerable to inconsistent application.

The version in force during the PPP was broader, and it is the one that governs your applications. A defense built on today’s rule may miss real exposure. An investigation built on today’s rule may overstate or understate it.

What “control” meant for PPP loans

This is the question owners ask most: I didn’t run the other company day to day. How can we be affiliates? Under the PPP-era rule and SBA’s April 2020 PPP affiliation guidance, affiliation turned on the power to control, whether or not it was exercised. It could arise through:

• Ownership: owning, or having the power to control, more than 50 percent of the voting equity. Spouses’ and minor children’s interests were combined.
• Negative control: a minority owner whose charter, bylaws, or operating agreement rights let it prevent a quorum or block board or owner action. A 30 percent member with a veto could be “in control.”
• Default control: if no one controlled through ownership or negative control, the board, president, CEO, or managing members were deemed in control.
• Stock options, convertible securities, and merger agreements: treated as if exercised, unless speculative or merely an agreement to negotiate.
• Common management: the same CEO, president, or managing member controlling another company’s management, or a management agreement.
• Identity of interest: close relatives (spouse, parent, child, sibling, or their spouses) with identical or substantially identical business interests. Unlike the other tests, this was a rebuttable presumption; relatives with genuinely separate interests can overcome it.

In the evidence, actual control comes down to concrete questions: who signs checks, who can hire and fire, what the operating agreement says about quorum and vetoes, whether companies share employees, payroll, offices, or equipment, and whether there are intercompany loans, guarantees, or management fees.

Rules multi-business borrowers often miss

• One loan per company was allowed; stacking was not. Getting a first-draw loan for each of several independently eligible companies was permitted. Getting more than one first-draw loan for the same company was not. Second-draw loans in 2021 were a separate program with their own limits (300 employees with affiliates, a 25 percent revenue decline, a $2 million maximum).
• Corporate-group caps. Businesses majority owned by a common parent could not receive more than $20 million in first-draw or $4 million in second-draw loans in the aggregate, even when an affiliation waiver applied.
• Affiliation waivers covered the qualifying company, not its sisters. NAICS 72 businesses (hotels and restaurants) with 500 or fewer employees per location, listed franchises, and SBIC-backed companies were exempt. A construction company owned by the same parent was not.
• The $2 million necessity safe harbor counted affiliates. Borrowers whose loans together with their affiliates’ totaled under $2 million were deemed to have made the necessity certification in good faith. Several small loans across a group can add up past that line.
• Foreign parents and subsidiaries counted. SBA adopted a limited safe harbor only for first-draw applications submitted before May 5, 2020.
• The alternative size standard. A group that exceeded 500 employees could still qualify for a first-draw loan with tangible net worth of $15 million or less and average net income of $5 million or less (measured with affiliates, as of March 27, 2020). This is often never checked.
• PPP money moving between companies. One company’s proceeds paying a sister company’s payroll or debts is a use-of-funds problem for the borrower, and often what turns an eligibility question into a fraud theory.
• Different preparers, different answers. When the bank prepared one application, the CPA another, and the owner a third, Question 3 may have been answered three ways. Prosecutors read inconsistency as intent. It is often the opposite: evidence that no one was coordinating anything.

Our experience with 13 CFR 121.301 and SBA affiliation

Many firms defending PPP cases were built as criminal defense practices and meet SBA’s affiliation regulations for the first time in your case. For us, affiliation is a core part of our SBA and government contracts practice.

• We have worked inside SBA’s rules, not only against them. Jennifer N. Higgins served as a senior attorney at the U.S. Small Business Administration from 2016 to 2020, handling loan contract matters and overseeing compliance with SBA regulations.
• We litigate the same control concepts before SBA and its Office of Hearings and Appeals. Our size protest and size appeal practice turns on negative control, common management, identity of interest, and the power to control, the same concepts in the PPP-era version of § 121.301.
• We have written about PPP affiliation and 13 CFR 121.301 since 2023. This is a long-standing focus of the practice, not a page written for this enforcement cycle.
• We pair that regulatory depth with former federal fraud prosecutors, so the affiliation analysis and the fraud defense are built together.

In a multi-business case, that produces: a date-specific affiliation analysis for each company on each application date under the rule then in force; waiver, corporate-group, and alternative size standard calculations; an identity-of-interest rebuttal where family members own related companies; a CID or subpoena response that doesn’t concede affiliation by how it defines the “group”; and, if charges are filed, a regulatory defense that shows the rule was complex and changing and that the government’s reading of it is wrong.

Defenses we evaluate first for owners of multiple businesses

1. The companies were not affiliates under the PPP-era rule, or a presumption such as identity of interest can be rebutted.
2. A waiver or exception applied (NAICS 72, franchise, SBIC).
3. The group qualified under the alternative size standard.
4. Good-faith reading of guidance that kept changing. SBA itself acknowledged “reasonable borrower confusion” about counting foreign employees and later called its earlier affiliation analysis confusing.
5. Reliance on the lender, CPA, or payroll provider who had the full ownership picture.
6. The misstatement was not material. If the companies would have qualified for the same loans with every affiliate listed, an incomplete Addendum A may not have mattered to the decision to lend or forgive.
7. The whistleblower’s case rests on public data. The False Claims Act’s public disclosure bar, 31 U.S.C. § 3730(e)(4), can require dismissal where a relator merely repackaged public SBA data and corporate records. Courts have dismissed PPP cases on this ground.
8. The damages, loss, and penalty numbers are overstated, particularly where some companies in the group were eligible.

Own more than one business and received a CID, subpoena, or indictment? Call 1 (866) 601-5518

The Relevant Federal Statutes

Statute	What the government must prove	Maximum exposure
False statements to a lender or SBA — 18 U.S.C. § 1014	A knowingly false statement made to influence a federally insured lender or SBA	Up to 30 years and $1 million
Bank fraud — 18 U.S.C. § 1344	A scheme to defraud a federally insured financial institution	Up to 30 years and $1 million
Wire fraud — 18 U.S.C. § 1343	Use of electronic communications, such as an online application, in a scheme to defraud	Up to 20 years; up to 30 if a financial institution is affected
Conspiracy — 18 U.S.C. §§ 371, 1349	An agreement to commit a federal offense	Up to 5 years (§ 371); same as the underlying fraud (§ 1349)
False statements — 18 U.S.C. § 1001	A knowingly false material statement to a federal agency	Up to 5 years
Criminal false claims — 18 U.S.C. § 287	A claim against the United States known to be false	Up to 5 years
Civil False Claims Act — 31 U.S.C. § 3729 (civil only)	A knowingly false claim or record material to payment	Treble damages plus per-claim penalties

 

Conspiracy charges appear frequently in PPP cases with several companies or owners because they let prosecutors introduce evidence against every co-defendant. That is one reason early, coordinated representation tends to matter more in PPP cases than in single-defendant matters.

Statute of limitations: the SBA PPP and Bank Fraud Enforcement Harmonization Act of 2022 set a 10-year period for both criminal charges and civil fraud enforcement involving PPP loans.

The SBA PPP Fraud Defense Team

PPP fraud cases sit where two bodies of law meet: SBA’s loan and affiliation regulations, and federal fraud enforcement. Our team includes a former senior SBA attorney and former federal prosecutors who supervised fraud cases on both the criminal and civil sides, so the eligibility question and the fraud defense are answered together, by the same people.

The False Claims Act PPP Fraud Defense Attorney Team Leads

Theodore Watson — National Practice Leader. U.S. Air Force veteran with more than 23 years of federal practice, admitted to the Supreme Court of the United States. Focuses on 13 CFR § 121.301 affiliation cases, EIDL loan fraud, and False Claims Act PPP defense for government contractors and small businesses nationwide.

Carolyn L. Oliver — Of Counsel. More than 40 years of experience; former DOJ prosecutor and Assistant U.S. Attorney, Major Frauds Section, Southern District of California.

Jennifer N. Higgins — Of Counsel. Former senior attorney for the U.S. Small Business Administration, focused on SBA regulations, PPP loan fraud, and False Claims Act matters.

Robert “Bob” Ayers — Of Counsel. More than 20 years defending corporate executives and public officials in fraud, bribery, and financial crime matters; Corporate Defense counsel

Wise D. Allen — Counsel. Former Judge Advocate, U.S. Military, with extensive experience in procurement fraud and False Claims Act defense.

Speak directly with Theodore Watson: 1.866.601.5518

What Waiting Usually Costs

The most common misstep is delay: treating an informal contact as something that might resolve on its own. It rarely does. Investigations that begin quietly, with a document request or a “few questions” phone call, can escalate to a target letter or indictment within weeks once the government believes it has what it needs.

Once charges are filed, the options that were available beforehand (pre-charge negotiation, declination, a civil resolution in place of criminal exposure) narrow considerably.

Early representation is not an admission of guilt. It determines whether the first complete account of your situation the government hears is accurate and properly framed, rather than assembled from fragments.

 Call 1 (866) 601-5518   |   Start Your Confidential Case Review

Frequently Asked Questions

Is my case criminal or civil?

It depends on how the government approached you. A grand jury subpoena, search warrant, or target letter signals a criminal track. A civil investigative demand under the False Claims Act signals a civil one. Some matters proceed on both simultaneously.

My PPP loan was forgiven. Can I still be investigated?

Yes. Forgiveness reflects SBA’s acceptance of your application at that time; it does not prevent a later finding that the loan or forgiveness application contained false statements. Under the PPP and Bank Fraud Enforcement Harmonization Act of 2022, the government has 10 years from the offense to bring criminal charges or civil fraud claims, so loans from 2020–2021 remain within reach until roughly 2030–2031.

Was it illegal to get PPP loans for more than one of my businesses?

Not by itself. Separate companies could each be eligible for their own loan. The questions are whether they were affiliates that had to be counted together, whether the group stayed within the corporate-group caps, whether each company received only one first-draw loan, and whether each application disclosed your other businesses as the form required.

I checked “No” on the question about owning other businesses. Is that fraud?

Not automatically. It is the fact investigators focus on first. Whether it becomes fraud depends on what you understood when you signed, who prepared the application, and whether full disclosure would have changed eligibility or the loan amount.

My spouse owns the other business. Are we affiliated?

Possibly. Spousal ownership interests were combined, and close relatives with substantially identical business interests could be presumed affiliated. That presumption could be rebutted with evidence that the interests were genuinely separate.

What if my company’s affiliation status is being challenged under 13 CFR § 121.301?

Start with the right version of the rule. The analysis must use the text in force on the date each application was signed, not the 2023 amendment. A defense typically involves reconstructing ownership and control records as of those dates, checking waivers and the alternative size standard, and rebutting any identity-of-interest presumption.

My bookkeeper received a grand jury subpoena about my company. What does that mean for me?

A criminal investigation is open and the government is building its financial picture. You may be a witness, a subject, or a target. Do not discuss the subpoena or the testimony with your bookkeeper. Call counsel to determine your status.

I have been indicted. Is it too late to raise the SBA rules?

No. Whether your companies were eligible or affiliated under the rule then in effect often goes directly to whether a statement was false, whether it was material, and whether you knew it. It also affects the loss figure at sentencing.

Can an honest mistake still lead to criminal charges?

The government must prove you knowingly submitted false information, not simply that an error occurred. Good-faith reliance on an accountant or on ambiguous program guidance remains a legitimate defense if documented early.

What should I do if agents arrive with a search warrant?

Decline to answer questions, don’t encourage employees to talk informally, contact counsel before further communication, and secure your records without altering them.

Will my accounts be frozen or business assets seized?

In higher-value cases, the government sometimes pursues forfeiture. Counsel can move to seek partial release of funds for payroll and operating expenses.

Can a PPP case be resolved without going to trial?

Often, yes. Declination, civil settlement, deferred prosecution, or negotiated plea terms are all possible, and the earlier counsel is involved, the more of these remain open.

What types of PPP matters does the firm handle, and what does a defense cost?

We handle federal False Claims Act PPP matters where more than $300,000 is at issue, civil investigative demands, criminal subpoenas, target letters, and indictments. Cost depends on the track, the number of companies and individuals involved, and how far the investigation has progressed. A serious federal defense is a significant investment, and we give you a clear view of scope and cost on the first call.

Do you represent whistleblowers in PPP qui tam cases?

No. We defend companies and individuals named in whistleblower actions, not the whistleblowers themselves.

Speak With an SBA PPP Fraud Defense Lawyer Today

If you or your company is facing a False Claims Act investigation, a civil investigative demand, a grand jury subpoena, a target letter, or an indictment involving a PPP loan, the useful next step is a confidential conversation with counsel who understands both SBA’s rules and federal fraud enforcement.

Because this is a federal practice, proximity to a local office matters less than experience with the specific agency, district, and case type involved. We represent companies and executives in PPP fraud matters in all 50 states and U.S. territories.

 Call 1 (866) 601-5518   |   Request a Confidential Case Review   |   Download the Free PPP Investigation Response Checklist

Attorney advertising. Prior results do not guarantee a similar outcome. This page is provided for informational purposes only and does not constitute legal advice. No attorney-client relationship is formed by reading this page or contacting the firm. Descriptions of settlements involving other parties are drawn from public sources for context only. Information current as of September 24, 2026.

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Speak With an SBA PPP Fraud Lawyer

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Watson & Associates, LLC — Denver, Colorado and Washington, D.C. Federal practice nationwide.