The Ultimate Guide to Wire Fraud and Mail Fraud

At National Security Law Firm, we know that facing a wire fraud or mail fraud investigation can be life-altering. These federal charges carry severe penalties, including decades in prison, massive fines, and permanent damage to your career and reputation. The government aggressively prosecutes these offenses under 18 U.S.C. § 1343 (wire fraud) and 18 U.S.C. § 1341 (mail fraud)—broad laws that federal prosecutors routinely stack on top of other white-collar crime charges to increase potential penalties.

When your freedom and future are on the line, you need an elite legal team that knows how to fight back. At National Security Law Firm, we bring battle-tested strategies, insider knowledge, and relentless defense to every case. Our lead white-collar defense attorney, Duane “Dak” Kees, is a former U.S. Attorney—the top federal prosecutor in his district—who has personally prosecuted and defended some of the most high-stakes fraud cases in the country.

We know how the government builds these cases because we’ve been on the inside.

This comprehensive guide breaks down everything you need to know about wire fraud and mail fraud, including:

✔️ What these charges mean and how they are prosecuted.
✔️ The key elements federal prosecutors must prove.
✔️ How wire and mail fraud investigations start—and the red flags you should watch for.
✔️ Common business practices that can lead to federal fraud charges.
✔️ The severe penalties that come with a conviction.
✔️ Defenses that can beat or reduce charges in federal court.
✔️ How National Security Law Firm can help you right now.

If you are under investigation, have received a subpoena, or have been charged, do not wait—time is critical. Federal fraud cases move fast, and prosecutors work aggressively to secure convictions. The earlier you act, the better your chances of avoiding charges or reducing penalties.

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Table of Contents

What is Wire Fraud? (18 U.S.C. § 1343)

Wire fraud is one of the most commonly prosecuted federal white-collar crimes, carrying severe penalties for those convicted. Under 18 U.S.C. § 1343, wire fraud is defined as:

“A scheme or artifice to defraud that involves the use of wire, radio, or television communication in interstate or foreign commerce to execute or further that scheme.”

Unlike other fraud statutes that require direct financial loss or harm, wire fraud focuses on intent and the use of electronic communication to further a fraudulent scheme. This broad definition allows federal prosecutors to charge wire fraud in almost any fraud-related case where electronic communication is involved—even if the fraud was never completed.

How Any Electronic Communication Can Be Used to Support Wire Fraud Charges

One of the most alarming aspects of wire fraud is how easily it can be charged. Any use of electronic communication in furtherance of an alleged scheme can trigger a federal wire fraud charge. This includes:

✅ Emails – Sending fraudulent emails, making misleading statements, or coordinating an alleged fraud scheme over email.
✅ Text Messages – Communicating deceptive information or conspiring with others via SMS or messaging apps.
✅ Phone Calls – Using a phone to discuss a fraudulent plan, even if the call is brief.
✅ Faxes – Sending fraudulent documents via fax, a method still used in many industries.
✅ Wire Transfers – Transmitting money through electronic wire transfers in connection with an alleged scheme.
✅ Social Media Messages – Using direct messages or social media platforms to mislead victims or further a fraudulent transaction.

Even if the message, call, or transfer was minor, it can serve as the foundation of a wire fraud charge. The government does not need to prove the actual fraud was successful—only that an attempt was made and wire communication was used in the process.

How Even a Single Email or Text Can Lead to Federal Charges

Because wire fraud is defined so broadly, a single electronic message—no matter how small—can be enough for an indictment. Courts have upheld convictions where just one email or phone call was made in furtherance of an alleged fraudulent scheme.

Example:

A business executive sends one misleading email to an investor about a company’s financials. Even if the investor never acts on the email, the executive can still be charged with wire fraud.
An individual texts a co-conspirator about a fraudulent real estate deal. Even if the deal never closes, the text itself can be considered an act of wire fraud.

This low threshold makes wire fraud one of the government’s most powerful and frequently used charges in white-collar crime cases. It also underscores the critical need for a strong defense—because even minor, routine business communications can be misinterpreted by investigators as part of a fraudulent scheme.

What is Mail Fraud? (18 U.S.C. § 1341)

Mail fraud is one of the most powerful tools federal prosecutors use to pursue white-collar crime charges. Under 18 U.S.C. § 1341, mail fraud is defined as:

“A scheme or artifice to defraud, involving the use of the U.S. Postal Service or any private or commercial interstate mail carrier (e.g., FedEx, UPS, DHL) to execute or further that scheme.”

Mail fraud does not require a completed fraud or financial loss—the government only needs to prove that an individual used the mail system in furtherance of a fraudulent scheme. This makes it an incredibly broad charge that can be applied to a wide range of business and financial activities.

How Mail Fraud Differs from Wire Fraud

Mail fraud and wire fraud are closely related, and they are often charged together in federal indictments. The key difference between the two lies in the method of communication used:

Mail Fraud (18 U.S.C. § 1341)	Wire Fraud (18 U.S.C. § 1343)
Involves physical mail—USPS, FedEx, UPS, DHL, or any private carrier.	Involves electronic communications—email, phone calls, text messages, social media, wire transfers.
Each separate mailing or package in furtherance of the scheme can be a separate charge.	Each separate electronic communication can be a separate charge.
The fraud does not have to succeed—intent is enough.	The fraud does not have to succeed—intent is enough.
Used in traditional fraud cases like Ponzi schemes, fake invoices, or deceptive contracts.	Used in modern fraud cases like phishing scams, online financial fraud, and securities fraud.

Both mail and wire fraud carry severe penalties, including up to 20 years in federal prison per offense—and even more if the fraud involves a financial institution or government funds.

How Postal Mail, FedEx, UPS, and Other Carriers Can Trigger Federal Mail Fraud Charges

Many people assume mail fraud only applies to the U.S. Postal Service (USPS), but that is a misconception. Any mailing sent through a commercial interstate carrier—such as FedEx, UPS, DHL, or even private courier services—can be used to bring federal mail fraud charges.

Key Facts About Mail Fraud Charges:

✅ A single mailing—even an envelope—can be enough to trigger a charge.
✅ The content of the mailing does not have to be fraudulent—it only needs to further a scheme.
✅ Sending contracts, invoices, marketing materials, or financial statements can all be used as evidence.
✅ Even if someone else mails the document on your behalf, you can still be charged.

Example:

A real estate developer mails a misleading property brochure to potential investors. Even if no one invests, mail fraud charges can be filed because the mailing was used to further an alleged fraudulent scheme.
A business consultant sends a misleading contract to a client via FedEx. Even if the client does not sign the contract, the act of mailing it is enough for a mail fraud charge.

Why Intent Matters in Mail Fraud Cases

The most critical element in a mail fraud case is intent. The prosecution does not have to prove that the defendant actually defrauded anyone or that someone suffered financial harm. Instead, the government must show:

A Scheme to Defraud – There was a plan to deceive someone for financial gain.
Use of the Mail System – The USPS, FedEx, UPS, or any carrier was used in furtherance of the scheme.
Intent to Defraud – The defendant knowingly participated in the fraudulent scheme.

Many individuals and businesses get caught in mail fraud investigations because intent can be subjective. Prosecutors may argue that routine business practices, such as sending invoices, contracts, or promotional materials, were done with fraudulent intent—even if there was no actual fraud.

Why Mail Fraud is One of the Government’s Most Powerful Charges

Mail fraud is one of the most widely used white-collar crime statutes because of its broad definition and severe penalties. Prosecutors use mail fraud charges because:

✔️ It’s easy to prove – The use of mail alone is enough, even if no fraud actually occurred.
✔️ Each mailing can be a separate charge – If 10 misleading invoices are mailed, that’s 10 separate charges with up to 20 years per count.
✔️ It can be added to almost any fraud case – Mail fraud is often stacked with wire fraud, bank fraud, securities fraud, and conspiracy to increase penalties.

How Wire Fraud and Mail Fraud Charges Arise

Federal prosecutors aggressively pursue wire fraud (18 U.S.C. § 1343) and mail fraud (18 U.S.C. § 1341) charges because of their broad applicability. Many individuals and businesses unknowingly engage in practices that can later be interpreted as fraud. Even routine transactions, marketing efforts, or billing practices can trigger an investigation, especially when combined with whistleblower reports, audits, or regulatory scrutiny.

Because each email, text message, phone call, or mailed document can count as a separate offense, charges can quickly escalate—leading to multiple felony counts and decades in federal prison if convicted. Understanding how these charges arise is the first step in protecting yourself and your business.

Common Business Practices That Can Unintentionally Lead to Charges

Many professionals, executives, and business owners find themselves under investigation for wire fraud or mail fraud without realizing they have done anything wrong. Some common business practices that can unintentionally trigger an investigation include:

✅ Sending Promotional or Marketing Materials – If a company misrepresents a product, investment, or service via email, mail, or social media, the government may allege fraud—even if no one actually lost money.
✅ Billing Disputes & Invoicing Errors – Overbilling, duplicate invoicing, or misunderstandings over pricing can lead to allegations of fraudulent billing practices—especially in government contracts, healthcare, and finance.
✅ Financial Projections & Investor Materials – If a company makes optimistic statements about profits, funding, or market performance in emails or reports, and investors later lose money, prosecutors may claim misrepresentation or fraud.
✅ Customer or Vendor Complaints – Disgruntled customers or vendors may exaggerate complaints to regulators, leading to investigations that escalate into fraud charges.
✅ Government & Corporate Contracting Issues – Errors in procurement, product substitutions, or failure to disclose certain information in contracts with government agencies or corporations can be interpreted as intentional deception.
✅ Handling Client Funds & Payments – Using wire transfers, checks, or mail to move money—even if legitimate—may be flagged as money laundering or financial fraud if authorities suspect any irregularities.

Examples:

A business consultant emails a client about a “guaranteed” investment opportunity. If the investment underperforms or is riskier than advertised, prosecutors could argue wire fraud, even if the consultant believed in good faith that the investment would be profitable.
A small business sends an invoice to a government agency for work that was only partially completed. The invoice is later questioned, and federal investigators file mail fraud charges even though the business believed the invoice was legitimate.
A real estate firm mails promotional materials claiming a project is fully funded, when in reality, funding has not been secured. Mail fraud charges can be brought even if the project ultimately moves forward.

The Role of Whistleblower Complaints and Internal Audits

Many wire fraud and mail fraud cases start with whistleblower complaints or internal corporate audits. Employees, contractors, or business partners who believe they have witnessed fraudulent activity may report their concerns to:

The FBI, DOJ, or SEC
Corporate compliance officers or ethics hotlines
Government agencies like the IRS or FTC
State or federal prosecutors

Because whistleblowers are often protected under the False Claims Act (FCA) and other federal laws, they have an incentive to report potential fraud—especially if they stand to receive a financial reward under whistleblower programs.

Internal audits can also unintentionally trigger investigations. If an audit reveals billing discrepancies, accounting irregularities, or contract violations, a company may report these findings to regulators or law enforcement—sometimes leading to criminal investigations.

Example:
An accountant at a healthcare company discovers that insurance claims were mistakenly overbilled due to a software error. They report the issue internally, but the company fails to correct it. The accountant later files a whistleblower complaint, leading to a DOJ fraud investigation that includes wire fraud and mail fraud charges.

How Investigative Agencies Build Cases

Federal agencies use aggressive tactics to investigate wire fraud and mail fraud, often relying on:

🔍 Subpoenas for Emails, Phone Records & Financial Transactions – Investigators obtain business records, bank transactions, and emails to look for patterns of fraud.
🔍 Surveillance & Wiretaps – Federal agents may record phone calls, text messages, and emails in criminal fraud investigations.
🔍 Undercover Agents & Sting Operations – The FBI and DOJ may use undercover informants to gather evidence in white-collar fraud cases.
🔍 Cooperating Witnesses & Whistleblowers – Former employees, business partners, or co-defendants may testify against you to reduce their own charges.
🔍 Search Warrants & Raids – In high-profile cases, federal agents may raid offices, seize financial records, and arrest suspects based on allegations of fraudulent activity.

Once federal authorities suspect fraud, they will use every tool at their disposal to build a case. If you believe you are under investigation, immediate legal intervention is critical.

Red Flags That May Indicate You Are Under Investigation

Many people do not realize they are being investigated for wire fraud or mail fraud until it is too late. Here are key warning signs that federal authorities may be building a case against you:

⚠️ You Receive a Federal Subpoena – If you receive a subpoena from the DOJ, FBI, SEC, or U.S. Attorney’s Office, investigators may be gathering evidence for a potential fraud case.
⚠️ Your Business Is Audited by the Government – If a regulatory agency or law enforcement agency audits your financial records or contract performance, it may be a precursor to an investigation.
⚠️ You Get an Unexpected Visit from Federal Agents – If FBI, DOJ, or Postal Inspectors visit you for “routine questions,” assume you are already a target. Never speak to federal agents without legal representation.
⚠️ A Business Partner or Employee Is Arrested or Indicted – If someone in your company pleads guilty or is charged, you could be next in line. Prosecutors often pressure co-defendants to cooperate and provide information.
⚠️ A Whistleblower Complaint is Filed Against Your Business – If an employee, competitor, or former client files a complaint with federal regulators, you may be under review for fraud.
⚠️ You Notice Unusual Banking or Payment Freezes – If your bank accounts, assets, or business transactions are flagged or frozen, it could indicate a federal investigation into financial fraud.

Example:
A real estate developer receives a subpoena from the FBI requesting contract documents related to a recent project. Unbeknownst to them, a former investor has alleged fraud, and federal authorities are now investigating wire fraud and mail fraud charges.

Common Examples of Wire Fraud and Mail Fraud Cases

Wire fraud (18 U.S.C. § 1343) and mail fraud (18 U.S.C. § 1341) charges apply to a broad range of financial and business activities. Because the statutes are intentionally vague and expansive, federal prosecutors have significant discretion in bringing charges. Below are some of the most common types of wire fraud and mail fraud cases, many of which result in federal indictments and severe penalties.

Corporate Fraud

Executives and corporate officers are frequently charged with wire fraud and mail fraud for allegedly misleading investors, regulators, or the public.

✅ False Statements to Investors – If a company misrepresents financial performance, assets, or future earnings, executives may face wire fraud charges for sending deceptive emails or investor reports.
✅ Regulatory Violations – Sending misleading information to the SEC, FTC, or other regulatory agencies via email, phone, or mail can constitute fraud.
✅ Insider Fraud – If corporate leaders withhold key financial risks while soliciting investors, it may be classified as a fraudulent scheme under federal law.

Example:
A CEO emails shareholders falsely claiming that a company’s quarterly revenue is up when in reality, the company is hemorrhaging money. If investors act on that false information, federal prosecutors can pursue wire fraud and securities fraud charges.

PPP Loan Fraud & COVID Relief Fraud

The Paycheck Protection Program (PPP) and other COVID-19 relief efforts were heavily targeted by fraudsters, leading to an aggressive DOJ crackdown on PPP loan fraud.

✅ Falsifying Business Revenue or Payroll Numbers – Many businesses overstated their number of employees or revenue to qualify for larger loan amounts.
✅ Misuse of Funds – The DOJ has charged hundreds of individuals for using PPP loan funds for luxury purchases, vacations, and personal expenses.
✅ Submitting Fake Loan Applications – Many fraudulent applications were submitted via email or online portals, triggering wire fraud charges.

Example:
A business owner submits a PPP loan application online, claiming they have 50 employees when they actually have only five. The loan is approved, and funds are wired to the company’s account. Because the fraudulent application was submitted electronically, this qualifies as wire fraud under federal law.

Investment & Securities Fraud

Investment fraud schemes often involve electronic communications, phone calls, and mail, making them prime targets for wire fraud and mail fraud charges.

✅ Ponzi Schemes – Fraudulent investment firms promise high returns, but instead of investing funds, they pay old investors with new investors’ money—often using electronic banking and wire transfers.
✅ Pump-and-Dump Schemes – Fraudsters artificially inflate stock prices by sending deceptive emails or messages, then sell off shares before the price crashes.
✅ Insider Trading – Sharing non-public stock information via email or text can trigger wire fraud and securities fraud charges.

Example:
A financial advisor emails clients about a “can’t-miss” stock opportunity, urging them to invest before a big announcement. Unbeknownst to investors, the advisor already knows the stock is failing. This deceptive use of electronic communication qualifies as wire fraud.

Healthcare & Medicare Fraud

The healthcare industry is a high-risk area for wire fraud and mail fraud investigations, particularly when billing errors or false claims are submitted electronically.

✅ Medicare & Medicaid Fraud – Overbilling or submitting false reimbursement claims can result in federal wire fraud and False Claims Act charges.
✅ Fake or Unnecessary Medical Services – Some healthcare providers submit electronic claims for procedures that were never performed.
✅ Prescription Fraud – Fraudulently obtaining opioids or other controlled substances through online pharmacies or electronic prescriptions can trigger wire fraud charges.

Example:
A pharmacy electronically bills Medicare for prescriptions that were never filled. Since the fraudulent claims were submitted via wire communications, the DOJ charges the owner with wire fraud and healthcare fraud.

Real Estate & Mortgage Fraud

Real estate transactions often involve wire transfers and mailed documents, making them common targets for fraud investigations.

✅ Mortgage Fraud – Providing false income statements, forged W-2s, or fake employment records in a loan application can result in mail fraud charges.
✅ Foreclosure Rescue Scams – Scammers email struggling homeowners, offering fake relief programs in exchange for upfront fees—triggering wire fraud charges.
✅ Title & Escrow Fraud – Fraudsters forge property records or divert funds via wire transfers, defrauding lenders and buyers.

Example:
A real estate developer submits false W-2s and bank statements to secure a large commercial loan. Because the documents were sent electronically and by mail, federal authorities charge the developer with wire fraud and mail fraud.

Employment & Payroll Fraud

Fraud involving employee payroll, tax documents, or identity theft frequently leads to wire fraud and mail fraud prosecutions.

✅ W-2 Scams – Fraudsters pose as HR representatives and email employees requesting their W-2 forms, which are later used for identity theft and tax fraud.
✅ Payroll Fraud – Business owners inflate payroll numbers, create fake employees, or falsify payroll taxes to obtain government benefits or avoid tax liability.
✅ Unemployment Fraud – Submitting false unemployment claims electronically to collect benefits can trigger federal charges.

Example:
A company payroll manager electronically deposits paychecks into accounts belonging to fake employees they created. The fraudulent use of wire transactions leads to federal wire fraud charges.

E-Commerce & Online Scams

Online fraud schemes—whether through fake e-commerce stores, phishing emails, or digital payment fraud—often trigger federal wire fraud prosecutions.

✅ Fake Online Businesses – Scammers sell non-existent products online, accepting payments through PayPal, Venmo, or wire transfers.
✅ Email Phishing Scams – Fraudsters email victims posing as banks or service providers, stealing login credentials to drain accounts.
✅ Cryptocurrency Scams – Fraudulent crypto investment schemes use text messages, emails, and wire transfers to defraud investors.

Example:
A scammer creates a fake Shopify store, advertising luxury watches at deep discounts. Customers pay via credit card, but never receive the product. Because payments were processed electronically, the DOJ charges the seller with wire fraud.

Elements of a Wire Fraud or Mail Fraud Charge

To secure a conviction for wire fraud (18 U.S.C. § 1343) or mail fraud (18 U.S.C. § 1341), federal prosecutors must prove three key elements beyond a reasonable doubt. These elements are broadly defined, allowing prosecutors wide discretion in bringing charges. Understanding how each element is applied in court is crucial to building a strong defense.

A Scheme to Defraud – What Constitutes Fraud?

The heart of any fraud charge is the existence of a “scheme to defraud.” This means the government must prove that the defendant engaged in a deceptive or dishonest scheme designed to obtain money, property, or services under false pretenses.

🚨 Key Points About “Schemes to Defraud”
✔️ Fraud doesn’t require actual loss – Even if no one suffered financial harm, attempting to deceive someone is enough for prosecution.
✔️ Misrepresentations or omissions can be fraud – False statements, misleading claims, and withholding key information all count.
✔️ The scheme must be material – The lie must be significant enough to influence the decision of the victim.

Example:
A contractor sends an email to a federal agency falsely claiming that they completed work on a government contract to obtain payment. Even if the agency never pays the invoice, this still qualifies as a scheme to defraud.

Use of Wire or Mail Communication – How Courts Interpret “Use”

To trigger federal jurisdiction, the fraud must involve the use of interstate mail or electronic communications. This includes:

📧 Wire Communications (Wire Fraud Cases)
✔️ Emails
✔️ Text messages
✔️ Phone calls (landline or mobile)
✔️ Social media messages (LinkedIn, WhatsApp, etc.)
✔️ Wire transfers and online payments
✔️ Faxes

📬 Mail Communications (Mail Fraud Cases)
✔️ USPS (United States Postal Service)
✔️ FedEx, UPS, DHL, or any private mail carrier
✔️ Physical documents, invoices, or contracts sent by mail

🚨 Key Legal Considerations
✔️ Even a single use of wire or mail services is enough – One email, text, or mailed letter can establish federal jurisdiction.
✔️ The communication doesn’t need to contain false information – If any part of the fraudulent scheme involved wire or mail communications, it qualifies.
✔️ The defendant doesn’t have to send it personally – If someone else (e.g., an employee or accomplice) sends the communication on behalf of the scheme, the charge still applies.

Example (Wire Fraud):
A business owner sends a text message to an investor falsely claiming that their company just signed a multi-million-dollar contract to attract more funding. Even though the text itself isn’t a contract, the use of electronic communication makes this wire fraud.

Example (Mail Fraud):
A financial advisor mails a falsified quarterly report to clients, inflating the firm’s performance. Even if the fraud happens primarily online, using mail services triggers federal mail fraud laws.

Intent to Defraud – The Most Contested Element

Intent is one of the most hotly contested elements in wire and mail fraud cases. Prosecutors must prove that the defendant acted with the specific intent to defraud someone—a high legal standard that is often the strongest defense in these cases.

🚨 Key Aspects of Intent
✔️ Reckless disregard can count as intent – Even if someone didn’t “intend” fraud, courts may infer intent if they recklessly ignored the truth.
✔️ Honest mistakes are not fraud – If an error was accidental, due to misinterpretation, or a result of confusion, it does not meet the legal definition of fraud.
✔️ Intent must be proven beyond a reasonable doubt – If prosecutors cannot establish intent, the case falls apart.

Example:
A business consultant unknowingly provides incorrect financial projections to a client. The client loses money, but since the consultant lacked intent to defraud, this is not fraud.

Why Lack of Intent is One of the Strongest Defenses

The intent requirement is where many fraud prosecutions fail, and it is one of the most effective defense strategies. Defendants can argue:

✅ Good Faith Belief – The defendant believed their statements were true or did not knowingly deceive anyone.
✅ Clerical or Accounting Errors – If mistakes stemmed from negligence rather than fraud, intent is difficult to prove.
✅ Lack of Personal Gain – If the defendant did not personally benefit, it weakens the argument that they acted with fraudulent intent.

🚨 Example Defense Strategy:
A real estate developer is charged with wire fraud for advertising a project that was never built. Their defense argues that they fully intended to complete the project but faced unforeseen financial difficulties. If successful, this defense could undermine the prosecution’s case.

How Wire Fraud and Mail Fraud Investigations Work

Wire fraud and mail fraud are two of the most commonly prosecuted federal crimes, and investigations into these offenses can be extensive, invasive, and aggressive. Understanding how these investigations start, which agencies are involved, and what to expect can help you take proactive steps to protect yourself.

Which Federal Agencies Investigate Wire Fraud and Mail Fraud?

Multiple federal agencies investigate and prosecute wire fraud (18 U.S.C. § 1343) and mail fraud (18 U.S.C. § 1341), often working together to build complex cases.

🔍 Key Federal Agencies Involved in Wire Fraud and Mail Fraud Cases

✔️ Federal Bureau of Investigation (FBI) – The FBI is the primary agency investigating wire fraud and mail fraud, particularly in cases involving corporate fraud, public corruption, and large-scale financial schemes.

✔️ Department of Justice (DOJ) – The DOJ prosecutes fraud cases through U.S. Attorney’s Offices nationwide. High-profile cases are often handled by the Fraud Section of the Criminal Division, which has specialized units for financial crimes.

✔️ U.S. Postal Inspection Service (USPIS) – Since mail fraud involves any use of the U.S. mail system (including FedEx, UPS, and DHL), the USPIS has broad authority to investigate mail-related fraud schemes.

✔️ Securities and Exchange Commission (SEC) – The SEC investigates securities fraud, which often includes wire fraud charges related to insider trading, Ponzi schemes, and misleading investors. The SEC can refer cases to the DOJ for criminal prosecution.

Other agencies that may get involved include:
✔️ Internal Revenue Service (IRS-Criminal Investigation Division) – If fraud involves tax evasion or unreported income.
✔️ Federal Trade Commission (FTC) – If fraud involves consumer deception or online scams.
✔️ Financial Crimes Enforcement Network (FinCEN) – If fraud involves large-scale financial transactions and suspicious banking activity.

How Do Wire Fraud and Mail Fraud Cases Start?

There are several ways a wire fraud or mail fraud investigation can begin. Most cases start long before the accused realizes they’re under investigation.

🚨 Common Triggers for Federal Investigations

Whistleblowers and Informants
Many fraud cases start with a tip from an employee, competitor, or business associate. Under the False Claims Act, whistleblowers can receive financial rewards for reporting fraud against the government, creating a strong incentive to come forward.
Bank Reports (Suspicious Activity Reports – SARs)
Banks and financial institutions must report suspicious transactions to the Financial Crimes Enforcement Network (FinCEN). If your business or personal accounts show unusual wire activity, federal agents may begin investigating.
Corporate Audits and Internal Investigations
Sometimes, a fraud investigation starts within a company. Corporate legal teams conducting internal audits may uncover irregularities and decide to self-report the issue to the government to reduce company liability—often leading to investigations of individual employees or executives.
Undercover Operations
Federal agencies routinely use undercover agents and confidential informants to gather evidence before making arrests. Agents may pose as investors, employees, or business partners to gain inside information on suspected fraud schemes.
Subpoenas and Search Warrants
If federal investigators believe a fraud scheme is in progress, they may obtain:
✔️ Grand Jury Subpoenas – Demanding financial records, emails, contracts, and communications.
✔️ Search Warrants – Raiding offices, homes, and business locations to seize evidence.
✔️ Wiretaps and Electronic Surveillance – If investigators suspect ongoing fraud, they may monitor emails, phone calls, and financial transactions.

What to Expect If You’re Under Investigation

If you are under investigation for wire fraud or mail fraud, you may not immediately know until authorities take action.

🚨 Signs That You May Be Under Investigation

✔️ Receiving a Federal Subpoena – If you receive a subpoena from the DOJ, SEC, or a federal grand jury, you are likely under investigation.

✔️ Business or Personal Accounts Are Frozen – If the government believes fraud occurred, they may freeze assets or bank accounts linked to the suspected activity.

✔️ Federal Agents Contacting Associates – If employees, business partners, or customers receive unexpected visits from federal agents, it’s a sign that a case is being built.

✔️ You Are Contacted for an “Informal” Interview – FBI or postal inspectors may approach you for an “informal” conversation. NEVER speak to federal investigators without legal representation.

✔️ Sudden IRS or Regulatory Inquiries – If you receive unexpected audits, tax inquiries, or SEC letters, an investigation may be underway.

📞 If you suspect you’re under investigation, do NOT wait until charges are filed. Contact an experienced federal fraud defense lawyer immediately to start protecting yourself.

Potential Penalties for Wire Fraud and Mail Fraud

Wire fraud (18 U.S.C. § 1343) and mail fraud (18 U.S.C. § 1341) are serious federal offenses that carry severe penalties. These charges are aggressively prosecuted, often resulting in lengthy prison sentences, massive fines, and permanent damage to your career and reputation. Understanding the potential consequences can help you take proactive steps in your defense.

Prison Sentences for Wire Fraud and Mail Fraud

💥 Up to 20 Years in Federal Prison – Per Count
Each separate act of wire fraud or mail fraud—each email, phone call, wire transfer, or piece of mail sent as part of the alleged fraud—can be charged as a separate count. This means a single scheme can lead to multiple 20-year sentences stacked consecutively.

💥 Enhanced Penalties for Certain Cases

🚨 If a Financial Institution Was Involved
If the fraud scheme targeted or affected a bank, credit union, or financial institution, the penalties increase dramatically:
✔️ Up to 30 years in federal prison
✔️ Fines up to $1 million per count

🚨 If the Fraud Involved a Federal Disaster Relief Program
The federal government has aggressively prosecuted COVID-19 relief fraud, including PPP loan fraud, EIDL fraud, and unemployment fraud. Cases involving disaster relief funds (whether related to COVID-19, natural disasters, or federal emergency programs) carry enhanced penalties.

Massive Financial Penalties

💰 Fines Up to $250,000 for Individuals & $500,000 for Corporations
Individuals convicted of wire fraud or mail fraud can face up to $250,000 in fines per count, while corporations and businesses can be fined up to $500,000 per count.

💰 Full Restitution to Victims
Convicted defendants must repay all money allegedly obtained through fraud, which can bankrupt individuals and businesses. Courts often impose restitution orders requiring repayment even after serving time in prison.

💰 Treble (Triple) Damages Under the False Claims Act
In cases where government contracts, Medicare/Medicaid, or public funds are involved, the False Claims Act allows the government to triple the amount of damages, leading to staggering financial liability.

💰 Asset Forfeiture & Property Seizure
The government has broad power to seize bank accounts, vehicles, real estate, and business assets it believes were connected to fraud. This means you could lose your home, business, and personal property—even before a conviction.

Collateral Consequences of a Wire Fraud or Mail Fraud Conviction

Beyond prison time and financial penalties, a wire fraud or mail fraud conviction can destroy your future.

🚫 Loss of Professional Licenses
Many professionals—including lawyers, doctors, accountants, and financial advisors—face automatic license suspension or revocation after a fraud conviction.

🚫 Loss of Security Clearance
If you hold a security clearance for government work, defense contracting, or national security, a conviction will likely result in permanent revocation, ending your career.

🚫 Immigration Consequences for Non-U.S. Citizens
Wire fraud and mail fraud are deportable offenses for non-U.S. citizens, including green card holders. A conviction can lead to removal proceedings and a lifetime ban from re-entering the U.S.

🚫 Permanent Damage to Your Reputation & Career
A federal fraud conviction follows you for life. Future employers, banks, and professional organizations will see your conviction in background checks, making it difficult to secure jobs, loans, or business opportunities.

Defenses Against Wire Fraud and Mail Fraud Charges

Facing wire fraud (18 U.S.C. § 1343) or mail fraud (18 U.S.C. § 1341) charges can be overwhelming, but being accused does not mean you are guilty. Federal prosecutors aggressively pursue fraud cases, but they must prove every element of the offense beyond a reasonable doubt. A strong legal defense can challenge the government’s case and, in many instances, result in dismissed or reduced charges.

At National Security Law Firm, we leave no stone unturned in crafting aggressive, strategic defenses to protect our clients. Below are some of the most effective defenses against wire fraud and mail fraud allegations.

Lack of Intent: Proving an Honest Mistake vs. Fraudulent Intent

One of the key elements prosecutors must prove in a wire or mail fraud case is intent to defraud. The law does not criminalize honest mistakes, miscommunications, or errors in judgment—only intentional deception qualifies as fraud.

🚨 Example Defense: A business owner mistakenly double-bills a client but promptly corrects the error when it’s discovered. There was no intent to defraud, making prosecution difficult.

💡 Our Strategy:
✔️ Present evidence showing no intent to deceive (e.g., internal emails, audit logs).
✔️ Demonstrate that corrective actions were taken as soon as an issue was identified.
✔️ Argue that any mistakes were the result of negligence, not criminal intent.

No Scheme to Defraud: Demonstrating There Was No Deception

Federal fraud statutes require the government to prove a “scheme to defraud”—meaning a deliberate plan to mislead someone for financial gain. If no such scheme existed, the charges must fail.

🚨 Example Defense: A business dispute leads to a wire fraud charge, but both parties had different interpretations of the contract. If no deception was involved, the case does not meet the legal standard for fraud.

💡 Our Strategy:
✔️ Use contracts, emails, and business records to show a lack of deception.
✔️ Highlight miscommunications or disputes rather than intentional fraud.
✔️ Challenge vague or overbroad interpretations of fraud laws.

Legitimate Business Purpose: How a Valid Transaction Can Be Misinterpreted

Many wire and mail fraud cases stem from legitimate business activities that are later misconstrued as fraudulent. Prosecutors may cherry-pick emails or financial transactions to suggest wrongdoing, even when none exists.

🚨 Example Defense: A business uses aggressive marketing tactics, but all claims were truthful and verifiable. Just because a customer felt misled does not mean fraud occurred.

💡 Our Strategy:
✔️ Show that the transaction was lawful and properly documented.
✔️ Provide expert testimony to clarify standard business practices.
✔️ Demonstrate that no misrepresentations or false promises were made.

Insufficient Evidence: Challenging the Prosecution’s Burden of Proof

The government must prove beyond a reasonable doubt that you committed wire or mail fraud. If their case is based on weak, circumstantial, or unreliable evidence, we can dismantle it before trial.

🚨 Example Defense: The only evidence against a defendant is a disgruntled former employee’s accusations, with no supporting documentation or witnesses. This is not enough for a conviction.

💡 Our Strategy:
✔️ File motions to dismiss if the government lacks sufficient proof.
✔️ Challenge unreliable witness testimony and force the prosecution to prove intent.
✔️ Expose gaps and contradictions in the evidence.

Entrapment: If the Government Induced the Alleged Fraud

If law enforcement pressured, persuaded, or tricked you into committing fraud when you otherwise would not have, this could be a valid entrapment defense.

🚨 Example Defense: An undercover agent pushes a small business owner into falsifying documents for a government contract—an action the owner would not have taken on their own.

💡 Our Strategy:
✔️ Show that law enforcement initiated or encouraged the fraudulent activity.
✔️ Prove that the defendant had no prior intent to commit fraud.
✔️ Highlight aggressive government tactics that created the crime rather than uncovering it.

Statute of Limitations: Asserting That the Charges Are Time-Barred

Wire fraud and mail fraud charges must be filed within five years of the alleged offense (10 years if they involve financial institutions). If the government waited too long to bring charges, the case can be dismissed.

🚨 Example Defense: A defendant is accused of wire fraud for a transaction from 2013, but charges were not filed until 2024—well beyond the five-year statute of limitations.

💡 Our Strategy:
✔️ File a motion to dismiss based on the expired statute of limitations.
✔️ Argue that any delays were due to the government’s failure to investigate timely.
✔️ Highlight inconsistencies in the prosecution’s timeline of events.

Fourth & Fifth Amendment Violations: Illegal Searches, Coerced Statements, or Due Process Violations

If investigators violated your constitutional rights, the case can be thrown out due to illegally obtained evidence.

🚨 Example Defense: Federal agents searched a defendant’s business without a proper warrant, violating the Fourth Amendment. Any evidence collected from the search may be inadmissible in court.

💡 Our Strategy:
✔️ Suppress illegally obtained evidence by filing motions to exclude it from trial.
✔️ Challenge coerced confessions obtained in violation of the Fifth Amendment.
✔️ Expose prosecutorial misconduct and improper investigative techniques.

What to Do If You’re Under Investigation for Wire Fraud or Mail Fraud

Facing a federal investigation for wire fraud (18 U.S.C. § 1343) or mail fraud (18 U.S.C. § 1341) can be one of the most stressful experiences of your life. These investigations often begin in secret, with law enforcement gathering evidence before you even realize you’re a target. By the time you become aware of the investigation, the government may already have built a substantial case against you.

If you suspect that you’re under investigation, taking immediate action can mean the difference between a dismissed case and criminal charges. Here’s what you need to know.

What NOT to Do – Avoiding Self-Incrimination

🚨 DO NOT Ignore the Investigation – Some people assume they can “wait and see” if anything happens. This is a dangerous mistake. Federal cases do not go away on their own—waiting gives the government more time to build its case against you.

🚨 DO NOT Destroy or Alter Records – Shredding documents, deleting emails, or modifying records can lead to obstruction of justice charges, which carry additional penalties beyond fraud.

🚨 DO NOT Discuss the Investigation with Employees or Colleagues – Even if you trust them, anyone could be cooperating with federal investigators. Conversations could be recorded or used against you.

🚨 DO NOT Agree to an Interview Without a Lawyer – Federal agents may approach you as if you’re just a witness—but anything you say can and will be used against you. Even if you think you have nothing to hide, investigators can twist statements to build their case.

🚨 DO NOT Assume You Can “Talk Your Way Out” of It – Many people panic and try to explain themselves to investigators, believing that if they “just tell the truth,” the case will go away. This almost always backfires.

💡 Rule #1: If federal agents contact you, politely decline to answer questions and immediately contact an experienced federal defense lawyer.

Why You Should NEVER Speak to Investigators Without a Lawyer

If federal investigators want to question you, it’s not because they’re trying to clear your name—it’s because they already suspect you of a crime.

✅ They Are Building a Case Against You – Prosecutors and investigators collect statements to use as evidence. Anything you say—even if truthful—can be misconstrued to fit their narrative.

✅ You May Accidentally Incriminate Yourself – Fraud laws are complex, and you may not even realize that your words could be interpreted as an admission of guilt.

✅ Federal Agents Are Trained to Get You to Talk – The FBI and DOJ train their agents in advanced interrogation tactics. They may act friendly, informal, or even pretend to “help” you, but their real goal is to collect damaging evidence.

✅ Lying to a Federal Agent is a Felony – If you misstate even one fact, even unintentionally, you could be charged with making a false statement to federal authorities (18 U.S.C. § 1001), which carries up to five years in prison.

🚨 If an FBI agent, SEC investigator, or federal prosecutor contacts you, immediately respond with:
“I appreciate you reaching out, but I have an attorney who handles these matters. Please direct any questions to my legal counsel.”

Then contact a white-collar defense lawyer immediately.

How to Protect Your Business, Employees, and Records

If you are under investigation, take immediate steps to protect yourself and your company.

✔️ Secure Legal Counsel for Key Employees – Employees may unintentionally make statements that hurt the company’s defense. A lawyer can prepare them and ensure they don’t incriminate themselves.

✔️ Implement a Litigation Hold – Preserve all documents, emails, invoices, and records related to the investigation. Even accidental deletion can be misinterpreted as destruction of evidence.

✔️ Audit Your Compliance Procedures – Review past transactions, contracts, and internal communications to identify potential risks. A lawyer can help assess weak points before the government does.

✔️ Prepare for Subpoenas & Warrants – If investigators request documents, a lawyer can determine what you are legally required to provide and prevent over-disclosure of information that could be used against you.

✔️ Develop a Defense Strategy Immediately – Even if you believe you did nothing wrong, an early defense strategy can protect you from unknowingly falling into legal traps.

When to Hire a Wire Fraud Defense Lawyer – And How They Can Intervene Early

The best time to hire a federal wire fraud and mail fraud defense lawyer is the moment you suspect an investigation. Early intervention can change the outcome of your case.

Here’s how we help from day one:

🔥 We Stop You from Making Costly Mistakes – We advise you on what NOT to say and ensure you don’t unknowingly incriminate yourself.

🔥 We Make Prosecutors Think Twice About Filing Charges – A strong legal team puts the government on notice that you will fight back. Sometimes, this alone can discourage formal charges.

🔥 We Control the Flow of Information – Without a lawyer, you risk over-disclosing information that can be twisted against you. We ensure only legally required information is provided.

🔥 We Negotiate Before Indictments Are Filed – Many white-collar cases can be resolved before criminal charges are even brought. An experienced lawyer can persuade the government to drop or reduce charges early.

🔥 We Build a Strategic Defense to Dismantle the Case – Whether it’s challenging evidence, proving lack of intent, or exposing government overreach, we develop a customized defense strategy to protect you.

How to Choose the Best Wire Fraud and Mail Fraud Lawyer

Why Federal Fraud Cases Require Specialized Defense Attorneys

Wire fraud and mail fraud cases are among the most aggressively prosecuted white-collar crimes in the federal system. Prosecutors leverage broad statutes, vast investigative resources, and heavy penalties to secure convictions. Without an experienced federal defense lawyer, you’re at a severe disadvantage.

Unlike state-level fraud cases, federal fraud cases involve agencies like the FBI, DOJ, SEC, and USPS Inspection Service. They use subpoenas, undercover operations, and digital forensics to build their case long before a target even realizes they’re under investigation.

Defending against federal fraud charges requires a specialized attorney with deep experience in federal court, familiarity with prosecutorial tactics, and a strong track record of dismissing or reducing charges before trial.

Key Experience to Look for in a Wire Fraud Defense Lawyer

Not all criminal defense attorneys are equipped to handle federal fraud cases. Here’s what you need to look for when hiring a lawyer:

✅ Federal Court Experience – Your attorney should be admitted to practice in federal court and have extensive experience handling federal fraud cases.

✅ Former Federal Prosecutor or U.S. Attorney Experience – Lawyers who have previously worked in U.S. Attorney’s Offices or DOJ Fraud Sections bring insider knowledge of how federal cases are built and prosecuted.

✅ White-Collar Defense Track Record – Your attorney should have proven success in defending clients against wire fraud and mail fraud charges, including dismissing cases before indictment, negotiating plea deals, and winning trials.

✅ Relationships with Federal Agencies – Experienced defense attorneys know how to interact with federal investigators, U.S. Attorneys, and regulatory agencies, sometimes preventing formal charges altogether.

✅ Strong Negotiation Skills – Federal fraud cases don’t always go to trial—sometimes the best outcome is getting charges dropped or negotiating favorable settlements. Your lawyer should excel at plea negotiations, deferred prosecution agreements, and settlements.

Why National Security Law Firm Is Uniquely Positioned to Fight These Charges

At National Security Law Firm, we don’t just defend against federal fraud charges—we fight back aggressively, leveraging insider knowledge to dismantle the government’s case before it reaches trial.

Here’s what makes our firm stand out:

🔥 Led by Former U.S. Attorney Duane “Dak” Kees – A former United States Attorney for the Western District of Arkansas, Dak knows exactly how federal prosecutors think, how they build cases, and how to expose their weaknesses.

🔥 Insider Government Knowledge – Our team includes former federal prosecutors and military attorneys with extensive experience in white-collar criminal defense.

🔥 Track Record of Winning Federal Cases – We have successfully defended clients in high-stakes federal investigations, including wire fraud, mail fraud, securities fraud, and government contract fraud.

🔥 Aggressive Pre-Indictment Defense – We work quickly to prevent charges before they are filed, using preemptive legal strategies to get investigations closed early.

🔥 Nationwide Representation – Whether you’re being investigated by the DOJ, SEC, FBI, or USPS Inspection Service, we provide top-tier legal defense nationwide.

Understanding Dak Kees’ Experience as a U.S. Attorney: Why It Matters for Your Defense

When facing a federal fraud investigation or criminal charges, the attorney you choose can be the difference between prison time and a dismissed case. Having an attorney who knows how the government builds its case—because he was once the top federal prosecutor in his district—is an unmatched advantage.

Who Is Duane “Dak” Kees?

Dak Kees is a former U.S. Attorney for the Western District of Arkansas, appointed by the President of the United States and confirmed by the U.S. Senate. As the top federal prosecutor in his district, Dak oversaw all federal criminal and civil prosecutions, including major wire fraud, mail fraud, securities fraud, and government corruption cases.

As U.S. Attorney, he worked directly with the FBI, DOJ, SEC, and USPS Inspection Service, giving him firsthand knowledge of how white-collar fraud cases are investigated, built, and prosecuted.

Why Having a Former U.S. Attorney on Your Defense Team Is Critical

Dak Kees’ background as a top federal prosecutor gives our firm a strategic edge in defending wire fraud and mail fraud cases.

Here’s why his experience matters to your defense:

✅ Insider Knowledge of Federal Prosecution Tactics

Dak knows how federal prosecutors think, what evidence they prioritize, and how they decide whether to file charges.
He anticipates the government’s moves before they happen, allowing us to counter their strategy before they even file an indictment.

✅ Strong Relationships with Federal Agencies

Dak has worked alongside the FBI, DOJ, SEC, and USPS Inspection Service, which means he understands their investigative techniques, weaknesses, and legal blind spots.
He can negotiate directly with federal prosecutors and agents, leveraging respect and credibility built over years in government service.

✅ Credibility in Federal Court

Judges and prosecutors respect attorneys who have served in high-level federal positions. Having a former U.S. Attorney defending you can influence plea negotiations and sentencing decisions in your favor.

✅ Strategic Negotiation Power

Because Dak has been on the prosecution’s side, he knows what arguments work when negotiating dismissals, plea deals, and settlements.
His presence alone signals to the government that you’re taking the case seriously and won’t be an easy target.

✅ Proven Experience Handling High-Stakes Cases

Dak has worked on some of the most complex federal fraud cases in the country, including high-profile corporate fraud, securities fraud, and financial crimes.
He brings battle-tested trial experience and aggressive legal strategies to fight back against the government’s case.

Frequently Asked Questions (FAQ) About Wire Fraud and Mail Fraud

1. What’s the Difference Between Wire Fraud and Mail Fraud?

Wire fraud (18 U.S.C. § 1343) involves the use of electronic communications (emails, phone calls, text messages, wire transfers, faxes, social media, etc.) to commit fraud. Mail fraud (18 U.S.C. § 1341), on the other hand, involves physical mail (U.S. Postal Service, FedEx, UPS, or any other mail carrier). Both crimes involve intentional deception for financial gain and carry similar penalties, but wire fraud is more commonly charged in modern white-collar cases due to the widespread use of electronic communications.

2. How Much Prison Time Do You Get for Wire Fraud?

Wire fraud carries a maximum penalty of 20 years in federal prison per count. If the fraud involves a financial institution or a federal disaster relief program (such as COVID-19 relief fraud), the sentence can increase to up to 30 years. In addition to prison time, penalties can include substantial fines, asset forfeiture, and restitution to victims.

3. Is Wire Fraud a Felony or Misdemeanor?

Wire fraud is always charged as a felony under federal law. Because it carries severe penalties, including potential decades in prison, it is considered a serious white-collar crime. Even a single email or phone call made in furtherance of a fraudulent scheme can lead to felony charges.

4. What Should I Do If I Get a Federal Subpoena for Fraud?

If you receive a federal subpoena related to a wire fraud or mail fraud investigation, you should:
✔️ Contact a white-collar defense lawyer immediately—DO NOT respond without legal representation.
✔️ Preserve all requested documents—Tampering with or destroying evidence can lead to obstruction of justice charges.
✔️ Avoid speaking to investigators on your own—Even seemingly innocent statements can be used against you.
✔️ Determine if you are a witness, subject, or target—A lawyer can help clarify your status in the investigation and advise on the best course of action.

DO NOT ignore the subpoena or attempt to handle it alone—this could significantly increase your legal risks.

5. Can I Be Charged If I Didn’t Personally Send the Email or Letter?

Yes. You don’t have to personally send the wire or mail communication to be charged with wire or mail fraud. If you directed, planned, or participated in a fraudulent scheme, you can be held criminally responsible even if someone else physically sent the email, text, or letter. The government only needs to prove that the scheme involved wire or mail communication in furtherance of the fraud.

6. Does the Government Have to Prove Financial Loss?

No. Wire fraud and mail fraud do not require the government to prove that anyone actually lost money—only that there was a scheme to defraud and an attempt to deceive someone. Even if the fraud was not successful, federal prosecutors can still bring charges based on intent alone.

7. Can a Civil Dispute Turn Into a Federal Fraud Case?

Yes. What starts as a business dispute, contract disagreement, or civil lawsuit can escalate into a federal fraud investigation if the government believes deception or false statements were involved. This is especially true in cases involving SEC investigations, government contract fraud, or financial institutions. It’s critical to have an experienced white-collar defense attorney involved early if a civil matter appears to be turning into a criminal investigation.

8. What Should I Do If My Company Is Accused of Mail or Wire Fraud?

If your business is under investigation for fraud:
✔️ Hire a wire fraud defense lawyer immediately—DO NOT wait for formal charges.
✔️ Conduct an internal review—Identify any potential compliance issues and gather key documents.
✔️ Limit internal discussions—Avoid sending emails or making statements that could be misinterpreted.
✔️ Preserve records—Ensure all communications and financial records are maintained to comply with legal obligations.
✔️ Engage with federal investigators strategically—Your lawyer can assess whether cooperation or a defensive stance is the best approach.

A federal fraud charge can destroy a business and lead to significant financial and reputational damage. Early intervention by a highly skilled fraud defense lawyer is critical to protecting your company and its executives.

Additional Resources

For individuals and businesses facing wire fraud or mail fraud allegations, understanding the laws, enforcement policies, and defense strategies is crucial. Below, we’ve compiled key federal statutes, government resources, and expert insights to help you navigate this complex area of law.

Federal Laws on Wire Fraud and Mail Fraud

18 U.S.C. § 1343 – Wire Fraud
- The federal statute that defines and criminalizes wire fraud, covering fraudulent schemes that involve electronic communications (emails, phone calls, wire transfers, etc.).
- Read the full statute: S. Code – Wire Fraud
18 U.S.C. § 1341 – Mail Fraud
- The federal law governing mail fraud, which applies to fraudulent schemes involving the use of postal services or private carriers like FedEx and UPS.
- Read the full statute: S. Code – Mail Fraud

U.S. Department of Justice (DOJ) & FBI Enforcement Policies on White-Collar Crime

DOJ Fraud Section – White Collar Crime Enforcement
- Overview of how the DOJ investigates and prosecutes fraud cases, including wire and mail fraud.
- Read DOJ policies: DOJ Fraud Section
FBI White-Collar Crime Division
- The FBI’s role in investigating financial crimes, including corporate fraud, securities fraud, and wire fraud schemes.
- Learn more: FBI White-Collar Crime Investigations
S. Sentencing Guidelines for Wire and Mail Fraud
- How federal judges determine sentences for individuals convicted of fraud-related crimes, including factors that can increase or reduce penalties.
- Access the guidelines: S. Sentencing Commission – Fraud Guidelines

NSLF Blog Posts on Fraud Investigations and Defense Strategies

At National Security Law Firm, we’ve developed in-depth guides to help individuals and businesses facing federal fraud investigations. Check out our expert insights:

Contact Us for Immediate Legal Help

If you’re facing a wire fraud or mail fraud investigation, time is not on your side. Federal prosecutors and investigators work quickly to build their case against you—often before you even know you’re a target. The worst thing you can do is wait. At National Security Law Firm, we understand the urgency of these cases, and we are ready to take immediate action to protect your future.

Don’t Face Federal Investigators Alone—We Can Put Your Mind at Ease

A federal fraud investigation can be overwhelming, but you don’t have to go through it alone. The moment you reach out to us, we will:
✅ Analyze your situation and provide a clear understanding of what’s happening behind the scenes.
✅ Intervene immediately with federal agencies to protect your rights and limit your exposure.
✅ Develop a strategic defense plan tailored to your case, whether you’re under investigation or already facing charges.
✅ Ensure you don’t make critical mistakes, like speaking to investigators without legal representation.

Free, No-Pressure Legal Consultations

We offer completely free, confidential consultations for individuals and businesses under investigation or facing federal wire fraud or mail fraud charges. Our goal is to provide you with the knowledge and strategy you need to move forward with confidence.

Nationwide Representation – We Fight Federal Fraud Cases Across the U.S.

Wire fraud and mail fraud are federal offenses, meaning you could be prosecuted in any U.S. district. We represent clients in every federal jurisdiction, handling cases nationwide with the experience, resources, and insider knowledge necessary to challenge federal prosecutors.

Flexible Payment Options – Legal Financing Available

We know that defending against federal fraud charges can be costly, but everyone deserves top-tier legal representation. That’s why we offer:
💰 Legal financing options that allow you to spread payments over 3 to 24 months.
📅 Flexible payment plans designed to make experienced legal defense accessible.
🚀 Immediate action—our attorneys start working on your case as soon as you hire us.

Take Action Now – Protect Your Rights Before It’s Too Late

Federal fraud cases move fast. If you’ve been contacted by investigators, received a subpoena, or suspect you’re under investigation, waiting could cost you your freedom, your career, and your financial future. Let us step in and fight for you.

📞 Call Us Now: (202) 600-4996
🖥 Book a Free Consultation Online