Federal sentencing · Guideline estimate
Bank Fraud Sentencing Calculator.
Bank fraud guideline range estimator
50+
Years, combined
1,100+
Five-star reviews
1976
Second generation, since
The briefing · BANK FRAUD SENTENCING
How this charge is sentenced.
Bank fraud targets schemes against FDIC-insured institutions. Loss calculations often include intended loss and bank remediation costs.
What moves the number.
Financial institution victims can trigger specific enhancements under the fraud guideline.
Federal judges sentence under the advisory guidelines, but the guideline range is where every case starts. Loss amounts get contested, roles get litigated, and cooperation agreements move the final number. If you are facing bank fraud sentencing, the consultation is free - and the earlier counsel starts, the more levers exist.
Facing bank fraud sentencing?
The number is not final until sentencing.
Understanding the loss table.
Federal fraud sentencing under USSG §2B1.1 starts at base offense level 7 (or 6 for some embezzlement counts). The loss table adds up to 30 levels depending on the amount prosecutors prove by a preponderance at sentencing - often higher than what was charged in the indictment.
| Loss amount | Offense level increase (§2B1.1) |
|---|---|
| $6,500 or less | +0 |
| $6,500 - $15,000 | +2 |
| $15,000 - $40,000 | +4 |
| $40,000 - $95,000 | +6 |
| $95,000 - $150,000 | +8 |
| $150,000 - $250,000 | +10 |
| $250,000 - $550,000 | +12 |
| $550,000 - $1.5M | +14 |
| $1.5M - $3.5M | +16 |
| $3.5M - $9.5M | +18 |
| $9.5M - $25M | +20 |
| $25M - $65M | +22 |
| $65M - $150M | +24 |
| $150M - $250M | +26 |
| $250M - $550M | +28 |
| Over $550M | +30 |
Why the guideline range is only a starting point.
After United States v. Booker, federal judges must consider the guideline range but may impose a sentence above or below it based on 18 U.S.C. §3553(a). Downward departures, substantial assistance motions under §5K1.1, and compassionate release petitions can all move the final number - but only if counsel builds the record early.
FROM THE RECORD · S.D.N.Y. & BEYOND
Acquitted.
$26M money laundering
Dismissed.
RICO · 10-year minimum faced
Six months.
$12M Ponzi · years asked
How federal sentencing unfolds.
The full process →FAQ · BANK FRAUD SENTENCING
01 How does the Bank Fraud Sentencing sentencing calculator work?
02 Is the statutory maximum the sentence I will receive for Bank Fraud Sentencing?
03 What loss amount does the government use at sentencing?
04 Can my guideline range go below a mandatory minimum?
05 What collateral consequences follow a Bank Fraud Sentencing conviction?
"The best lawyer anyone could ask for. Todd changed our lives."
1,100+ five-star Google reviews →FROM THE RECORD
Acquittal
$26M money launderingDismissed
RICO · 10-year mandatory minimum6 months
$12M Ponzi · prosecutors asked for years
The lawyer the press calls
You've seen the defense on Netflix. This is the firm behind it.
Todd A. Spodek is a second-generation trial lawyer whose defense of Anna Delvey became Netflix's Inventing Anna. Six months on a $12M Ponzi case when prosecutors pushed for years - that is what guidelines work looks like in practice.
Risk free · Confidential · 24/7
Get ahead of the number.
Answered within 24 hours, guaranteed. The guideline is the starting point - counsel moves it. Some stories are better told out loud.
212 300 5196After you reach out