What Is PPP Loan Fraud? How Do I Report PPP Loan Fraud?

What Is PPP Loan Fraud?

PPP loan fraud refers to fraudulent activities related to the Paycheck Protection Program (PPP), which was a federal loan program introduced in the United States to help small businesses affected by the COVID-19 pandemic. The paycheck Protection Program (PPP) had provided loans totaling over $800 billion.  The program aimed to provide financial assistance to businesses for covering payroll expenses and certain operational costs.

While many businesses genuinely used the funds to support their operations, there were instances of fraud and misuse of PPP loans. Here are some common types of PPP loan fraud:

  • False Documentation: Some individuals and businesses provided false information and documentation to obtain PPP loans. They might have inflated the number of employees, misrepresented their financial situation, or provided fabricated payroll records.
  • Nonexistent or Ineligible Businesses: Fraudsters created fake businesses or used businesses that were not operational to apply for PPP loans. Additionally, some businesses that were not eligible for the program, such as those engaged in illegal activities or owned by politicians, unlawfully obtained funds.
  • Misuse of Funds: PPP loans were intended for specific purposes, primarily to cover payroll expenses and certain operational costs like rent, utilities, and mortgage interest. However, some individuals and businesses misused the funds for personal expenses unrelated to business operations.
  • Double Dipping: Double dipping refers to obtaining multiple PPP loans for the same business by using different identities or false documentation. This allowed fraudsters to receive more funds than they were entitled to, thereby depriving genuine businesses of assistance.
  • Collusion and Kickbacks: In some cases, individuals involved in the loan process, such as bank employees or loan officers, colluded with borrowers to facilitate fraudulent loans. They might have received kickbacks or shared in the proceeds of the fraudulent activity.

The U.S. government has taken measures to investigate and prosecute PPP loan fraud cases. This includes collaborating with various agencies, implementing strict eligibility verification processes, and imposing penalties for fraudulent activities.

It's important to note that not all PPP loans involve fraud, and many legitimate businesses have utilized the program to sustain their operations during the pandemic. However, the instances of fraud highlight the need for diligent oversight and accountability to ensure the program's effectiveness in supporting those who truly need it. 

Did people use ppp loans to buy homes and cars?

Using PPP loans for personal expenses, such as buying homes and cars, would generally be considered a misuse of the funds and potentially fraudulent. The loans were designed to support the ongoing operations and financial stability of small businesses, rather than personal expenditures.

PPP loans had specific requirements and eligibility criteria, and borrowers were expected to use the funds in accordance with the program's guidelines. Misuse of funds, including using them for personal purposes, can have legal and financial consequences, including repayment obligations and potential criminal charges.

While it is possible that some individuals may have misused the funds for personal expenses, such cases would be considered fraudulent and not aligned with the intended purpose of the PPP. Authorities have been actively investigating and prosecuting instances of fraud and misuse related to the program.

How do I report a PPP loan fraud?

If you suspect or have evidence of PPP loan fraud, it is essential to report it to the appropriate authorities. Here's how you can report PPP loan fraud:

Contact the SBA Office of Inspector General (OIG): The SBA OIG is responsible for investigating fraud and misconduct related to SBA programs, including the PPP. You can report your suspicions or provide information about PPP loan fraud through their hotline or website.

SBA OIG Hotline: Call 800-767-0385 or submit a complaint online at the SBA OIG website: https://www.sba.gov/about-sba/oversight-advocacy/office-inspector-general/office-inspector-general-hotline

Contact the Department of Justice (DOJ): The DOJ is actively investigating and prosecuting PPP loan fraud cases. You can report suspected fraud to the DOJ's National Center for Disaster Fraud (NCDF).

NCDF Hotline: Call 866-720-5721 or submit a complaint online at the NCDF website: https://www.justice.gov/disaster-fraud/ncdf-disaster-complaint-form

Inform your local law enforcement: If you have evidence of PPP loan fraud, you can also contact your local law enforcement agency, such as the police or the district attorney's office. They may work in collaboration with federal authorities to investigate and prosecute the fraud.

When reporting PPP loan fraud, it is crucial to provide as much detailed information as possible, including the names of individuals or businesses involved, supporting documents, and any other relevant evidence. Your cooperation can assist authorities in investigating and taking appropriate legal action against those engaged in fraudulent activities.

Remember that reporting suspicions or evidence of fraud is an important step towards maintaining the integrity of government programs and protecting honest businesses that truly need assistance.

What will happen to PPP loan frauds?

PPP loan fraud is taken seriously by the authorities, and there are consequences for individuals or businesses found guilty of such fraudulent activities. Here are some potential outcomes for PPP loan fraud:
  1. Criminal Charges: Those involved in PPP loan fraud can face criminal charges, which may include offenses such as making false statements, wire fraud, bank fraud, or identity theft. If convicted, individuals may face imprisonment, fines, or both.
  2. Repayment Obligations: Fraudulently obtained funds will typically need to be repaid in full. The government may pursue repayment through civil proceedings, and individuals found guilty may be required to return the loan amount along with additional penalties and interest.
  3. Asset Seizure: If the authorities find evidence of PPP loan fraud, they may seek to seize assets obtained through the fraudulent activities. This can include properties, vehicles, or other assets purchased using the unlawfully obtained funds.
  4. Legal Consequences for Business Entities: If a business entity is found guilty of PPP loan fraud, it may face legal consequences such as fines, restitution, and potential dissolution.
  5. Damage to Reputation: Individuals or businesses involved in PPP loan fraud may suffer reputational damage, making it challenging to secure future loans, contracts, or business opportunities.
The U.S. government has established various task forces and agencies dedicated to investigating and prosecuting PPP loan fraud cases. These include the Small Business Administration (SBA), the Department of Justice (DOJ), and the Federal Bureau of Investigation (FBI). They work together to identify fraudulent activities, conduct investigations, and hold accountable those involved in PPP loan fraud.

China’s former top COVID official admits he can’t rule out lab leak theory

The Chinese official who played a leading role in Beijing's response to COVID-19 has acknowledged the possibility of a lab leak as the source of the deadly virus. Dr. George Fu Gao, China's equivalent of Dr. Anthony Fauci, stated in an interview with the BBC that in the realm of science, one should never rule out anything and that suspicions are inherent to the scientific process. Speaking on the podcast "Fever: The Hunt for Covid's Origin," he said, "Don't rule out anything."

This admission from a prominent scientist is remarkable, considering how vehemently Beijing has denied the notion that the virus could have originated from the Wuhan Institute of Virology, where researchers were studying similar bat-borne diseases. The global pandemic, as reported by the World Health Organization, has claimed the lives of 7 million people worldwide.

Dr. Gao, formerly the head of China's Centre for Disease Control, indicated that he had heard that the lab had received clearance, but he did not disclose the extent of his certainty. He mentioned that the lab was following protocols and that no wrongdoing had been found, according to their conclusion.

The theory of a lab leak emerged shortly after the novel coronavirus surfaced in late 2019 in Wuhan, the city where extensive research on similar diseases was being conducted. Shi Zhengli, the head researcher at the lab and popularly known as the "bat woman," expressed concern when the mysterious and deadly illness began spreading rapidly in Wuhan. A collaborator, Wang Linfa, revealed that she worried about the possibility of a virus escaping from her lab unknowingly. However, Shi has since dismissed these fears, with Wang stating that she has categorically denied any chance of concealment.

In February, FBI Director Christopher Wray confirmed that the bureau had assessed for some time that a potential lab incident in Wuhan was the most likely origin of the pandemic. Former Director of National Intelligence John Ratcliffe also supported this view, describing it as the only explanation supported by credible intelligence, scientific evidence, and common sense.

According to data from the World Health Organization, there have been over 766 million confirmed COVID-19 cases worldwide.

Read more at the NY Post

How many followers do Gavin Newsom and Ron DeSantis have on Twitter?

Ron DeSantis Twitter

Gavin Newsom Twitter

Gavin Newsom, the Governor of California, has approximately 2 million followers on Twitter under the handle @GavinNewsom. Ron DeSantis, the Governor of Florida, has around 4.3 million followers on Twitter under the handle @GovRonDeSantis

The estimated population of California was around 39.5 million people. Florida had an estimated population of approximately 21.5 million people. Please note that these figures are approximate and can change over time. 

Were Vaccines or Natural Immunity More Effective? - I Asked ChatGPT


Were COVID Vaccines Successful? -  ChatGPT response . . . 

Yes, COVID-19 vaccines have been widely successful in combating the spread of the virus and reducing the severity of the disease. Multiple vaccines have been developed and authorized for emergency use or approved by regulatory authorities in different countries.

Clinical trials and real-world data have shown that COVID-19 vaccines are highly effective in preventing symptomatic infections and severe illness, hospitalizations, and deaths associated with COVID-19. Vaccination has played a crucial role in curbing the pandemic and protecting individuals and communities.

It is important to note that the effectiveness of vaccines can vary between different vaccine types and brands. Some vaccines have shown higher efficacy rates than others, but overall, the available vaccines have demonstrated significant effectiveness in controlling the spread of COVID-19 and reducing its impact on public health.

Were there any side effects or deaths from COVID vaccines?  ChatGPT response . . .

Like any medical intervention, COVID-19 vaccines can have side effects, but the vast majority of them are mild and temporary. Common side effects include pain at the injection site, fatigue, headache, muscle pain, chills, fever, and nausea. These side effects usually resolve within a few days.

Serious side effects from COVID-19 vaccines are extremely rare. In very rare cases, some individuals have experienced severe allergic reactions known as anaphylaxis. However, healthcare providers are prepared to manage such reactions, and immediate medical attention can effectively treat them.

Regarding deaths associated with COVID-19 vaccines, it is important to differentiate between deaths following vaccination and deaths caused by vaccination. Reports of deaths after vaccination do occur, but it is crucial to investigate and assess these cases to determine the cause and any potential connection to the vaccine. As of my knowledge cutoff in September 2021, there have been no widespread reports of vaccines causing deaths directly.

The safety of COVID-19 vaccines is closely monitored through robust surveillance systems. Regulatory authorities and health agencies continually review data to ensure the ongoing safety and efficacy of authorized vaccines. It's worth noting that the benefits of COVID-19 vaccination in preventing severe illness, hospitalization, and death greatly outweigh the potential risks of side effects.

Is COVID natural immunity or vaccines more effective? - ChatGPT response . . .

Both natural immunity and vaccine-induced immunity play important roles in protecting against COVID-19. However, there are several factors that make vaccines a more reliable and effective method of achieving immunity.

  1. Consistency and predictability: Vaccines provide a consistent and controlled immune response. They are designed to stimulate an immune response that mimics a natural infection without causing the actual disease. This ensures a more predictable and reliable level of immunity compared to the natural infection, which can vary in intensity and duration among individuals.
  2. Reduced risk of severe illness: Vaccines have been shown to significantly reduce the risk of severe illness, hospitalization, and death from COVID-19. While natural immunity acquired through previous infection can provide some level of protection, vaccine-induced immunity has demonstrated higher efficacy rates in preventing severe disease outcomes.
  3. Broader protection against variants: COVID-19 vaccines have been designed to target specific viral proteins, such as the spike protein. They stimulate a broader immune response that can provide protection against different variants of the virus. Natural immunity, on the other hand, may vary in its ability to protect against new variants and may not provide as robust and specific a response.
  4. Controlled and timely immunity: Vaccines allow for a more controlled and timely immune response. They can be administered to individuals irrespective of their prior infection status and at appropriate intervals. Natural immunity, on the other hand, relies on individuals getting infected, which carries the risk of severe illness, long-term complications, and transmission to vulnerable populations.

While natural immunity does offer some level of protection, COVID-19 vaccines are generally considered to be more effective and reliable in providing consistent and robust immunity against the virus, including its variants. Vaccination is strongly recommended by public health authorities as the primary method of achieving protection against COVID-19.

How long do covid vaccines last? ChatGPT response . . .

The duration of protection provided by COVID-19 vaccines is an ongoing area of research, as the vaccines were authorized for emergency use and have been in widespread use for a relatively short period. The available data suggests that COVID-19 vaccines provide strong protection against severe disease, hospitalization, and death for a significant duration of time.

The exact length of immunity can vary depending on several factors, including the type of vaccine, individual immune response, the presence of new variants, and the ongoing evaluation of real-world data. Currently, research indicates that COVID-19 vaccines provide protection for at least six months to a year or more, but additional booster shots may be necessary to extend and enhance immunity over time.

To address the possibility of waning immunity or the emergence of new variants, some countries have started implementing booster shot programs to provide additional doses of the vaccine to individuals who have already been fully vaccinated. These booster shots aim to strengthen and prolong the protection against COVID-19.

Ongoing studies and monitoring of vaccinated individuals are being conducted to gather more data on the duration of vaccine-induced immunity. The findings will help inform public health strategies, including the need for additional booster shots or modified vaccine formulations to address emerging variants or potential waning immunity.

The Normotim Effect: A Unique Approach to Battling Stress and Smoking

Table of Contents

  1. Introduction: Stress, Smoking, and Health

  2. The Normotim Effect: A New Hope in Stress Management

  3. Lithium Ascorbate: The Key Ingredient in Normotim

  4. Normotim and Smoking Cessation: The Connection

  5. Normopharm: The Company Behind Normotim

  6. Normotim Reviews: Insights from Real Users

Introduction: Stress, Smoking, and Health

Stress and smoking are intertwined in a complex relationship that is harmful to health. Stress often leads individuals to smoke as a means to cope, creating a vicious cycle that is difficult to break. Furthermore, both stress and smoking contribute to numerous health problems, including heart disease, stroke, and cancer.

The Normotim Effect: A New Hope in Stress Management

Normotim, an innovative product from Normopharm, offers a unique approach to stress management, potentially helping to break the stress-smoking cycle. Its effect lies in its ability to balance the body's biochemical reactions, often skewed by chronic stress and nicotine addiction.

The key ingredient in Normotim, lithium ascorbate, has shown promise in mood enhancement, improved cognitive function, and mental well-being. These benefits can help individuals manage stress more effectively and potentially reduce the urge to smoke.

Lithium Ascorbate: The Key Ingredient in Normotim

Lithium ascorbate, a compound combining the trace mineral lithium and ascorbic acid (vitamin C), offers numerous potential benefits:

  1. Neuroprotective Effects: Lithium is known to protect neurons, essential for brain health.

  2. Mood Regulation: Both lithium and ascorbic acid can improve mood and reduce depressive symptoms.

  3. Cognitive Enhancement: Regular intake of lithium ascorbate may boost cognitive abilities, including memory and concentration.

Normotim and Smoking Cessation: The Connection

Taking steps toward quitting smoking is a monumental challenge that requires strength, perseverance, and often, a multidimensional approach. Normotim, with its unique blend of ingredients and promising physiological effects, may be a valuable player in this challenging journey. Its potential impact on smoking cessation extends across various dimensions, addressing both the physical and psychological facets of nicotine addiction.

Lithium Ascorbate: A Mood Moderator in the Face of Withdrawal

Quitting smoking often comes with a difficult withdrawal phase, characterized by heightened stress, anxiety, and mood swings. This is where lithium ascorbate, the key component in Normotim, comes into play. Its mood-regulating properties can potentially help manage these tumultuous emotional shifts.

Lithium, a naturally occurring trace mineral, is well-documented for its mood-stabilizing effects. As a component of lithium ascorbate, it may assist in smoothing out the emotional roller coaster often associated with nicotine withdrawal. Meanwhile, ascorbic acid, also known as vitamin C, contributes to the production of neurotransmitters like norepinephrine, which play a crucial role in mood regulation.

Cognitive Enhancement: Navigating the Fog of Nicotine Withdrawal

Withdrawal from nicotine can often lead to cognitive deficits, such as impaired memory and reduced concentration. The cognitive-enhancing effects of lithium ascorbate, as part of Normotim's formulation, may offer support here. Research has suggested that lithium can promote neurogenesis—the creation of new neurons—and enhance neuroplasticity, the brain's ability to adapt and change. This could potentially counteract some of the cognitive impairments associated with nicotine withdrawal.

Supporting Overall Well-Being: Beyond Quitting Smoking

The potential benefits of Normotim extend beyond smoking cessation. By improving overall mood and cognitive function, it can enhance the general quality of life. This is particularly important when undertaking the arduous journey of quitting smoking, as overall well-being can significantly influence motivation and resilience.

Harmony with Other Smoking Cessation Strategies

It's important to stress that while Normotim can be a supportive ally in the quitting process, it should not be seen as a standalone solution. Smoking cessation is best achieved through a comprehensive approach, including behavioral therapies, lifestyle modifications, and support from healthcare professionals.

For instance, using Normotim in conjunction with a structured smoking cessation program might provide a more holistic and effective strategy. These programs often involve counseling and may also include nicotine replacement therapy or other pharmaceutical aids.

While the journey to a smoke-free life is undoubtedly challenging, having a multi-faceted support system can make it more manageable. With its mood-regulating and

cognitive-enhancing effects, Normotim could potentially be a valuable component of this support system. As always, any new treatment or strategy should be discussed with a healthcare provider to ensure it is appropriate and safe.

Normopharm: The Company Behind Normotim

Normopharm, a reputable name in health and wellness, is dedicated to creating innovative solutions to improve quality of life. Normotim is one of their pioneering products, embodying this commitment.

Normotim Reviews: Insights from Real Users

User reviews further underscore Normotim's potential benefits. Here are a few examples:

  1. David, 40: "Normotim has been instrumental in my quit-smoking journey. It helped me manage stress and mood swings better."

  2. Linda, 36: "As someone trying to quit smoking, I found Normotim extremely helpful. My cravings reduced, and I felt more in control."

Remember, while Normotim has shown promise, consulting with healthcare professionals before starting any new treatment is crucial. What works for one person may not work for another.

In conclusion, Normotim, with lithium ascorbate at its core, provides a potential solution for managing stress and aiding in smoking cessation. Supported by Normopharm's reputation and positive user reviews, it offers a unique approach to breaking the stress-smoking cycle.

17,000 Physicians & Medical Scientists Say Crimes Against Humanity

17,000 Physicians and Medical Scientists Address Crimes Against Humanity

The time is now. As most readers of this substack are now well aware, this is not just about COVID. The Constitution hangs in the balance. Please help us to get these messages spread far and wide. The 17,000 Physicians and Medical Scientists in our organization, who are not financially conflicted and remain committed to the Hippocratic Oath, are doing our part. Now we ask that you help us to help you. We need your help.


Alternative link


Global COVID Summit, Declaration IV

A Joint Statement, representing 17,000 Physicians and Medical Scientists 

To Restore Scientific Integrity

17,000 physicians and medical scientists declare that the state of medical emergency must be lifted, scientific integrity restored, and crimes against humanity addressed.

We, the physicians and medical scientists of the world, united through our loyalty to the Hippocratic Oath, recognize that the disastrous COVID-19 public health policies imposed on doctors and our patients are the culmination of a corrupt medical alliance of pharmaceutical, insurance, and healthcare institutions, along with the financial trusts which control them. They have infiltrated our medical system at every level, and are protected and supported by a parallel alliance of big tech, media, academics, and government agencies who profited from this orchestrated catastrophe.

This corrupt alliance has compromised the integrity of the most prestigious medical societies to which we belong, generating an illusion of scientific consensus by substituting truth with propaganda. This alliance continues to advance unscientific claims by censoring data, and intimidating and firing doctors and scientists for simply publishing actual clinical results or treating their patients with proven, life-saving medicine. These catastrophic decisions came at the expense of the innocent, who are forced to suffer health damage and death caused by intentionally withholding critical and time-sensitive treatments, or as a result of coerced genetic therapy injections, which are neither safe nor effective.

The medical community has denied patients the fundamental human right to provide true informed consent for the experimental COVID-19 injections. Our patients are also blocked from obtaining the information necessary to understand the risks and benefits of vaccines, and their alternatives, due to widespread censorship and propaganda spread by governments, public health officials, and media. Patients continue to be subjected to forced lock-downs which harm their health, careers, and children’s education, and damage social and family bonds critical to civil society. This is not a coincidence. In the book entitled “COVID-19: The Great Reset”, the leadership of this alliance has clearly stated their intention is to leverage COVID-19 as an “opportunity” to reset our entire global society, culture, and political structures, and economy.

Our 17,000 Global COVID Summit physicians and medical scientists represent a much larger, enlightened global medical community who refuse to be compromised and are united and willing to risk the wrath of the corrupt medical alliance to defend the health of their patients.

The mission of the Global COVID Summit is to end this orchestrated crisis, which has been illegitimately imposed on the world, and to formally declare that the actions of this corrupt alliance constitute nothing less than crimes against humanity.

We must restore the people’s trust in medicine, which begins with a free and open dialogue between physicians and medical scientists. We must restore medical rights and patient autonomy. This includes the foundational principle of the sacred doctor-patient relationship. The social need for this is decades overdue, and therefore, we the physicians of the world are compelled to take action.

After two years of scientific research, millions of patients treated, hundreds of clinical trials performed and scientific data shared, we have demonstrated and documented our success in understanding and combating COVID-19. In considering the risks versus benefits of major policy decisions, our Global COVID Summit of 17,000 physicians and medical scientists from all over the world has reached a consensus on the following foundational principles:

  1. We declare and the data confirm that the COVID-19 experimental genetic therapy injections must end.

  2. We declare doctors should not be blocked from providing life-saving medical treatment.

  3. We declare the state of national emergency, which facilitates corruption and extends the pandemic, should be immediately terminated.

  4. We declare medical privacy should never again be violated, and all travel and social restrictions must cease.

  5. We declare masks are not and have never been effective protection against an airborne respiratory virus in the community setting.

  6. We declare funding and research must be established for vaccination damage, death, and suffering.

  7. We declare no opportunity should be denied, including education, career, military service, or medical treatment, over unwillingness to take an injection.

  8. We declare that first amendment violations and medical censorship by the government, technology, and media companies should cease, and the Bill of Rights be upheld.

  9. We declare that Pfizer, Moderna, BioNTech, Janssen, Astra Zeneca, and their enablers, withheld and willfully omitted safety and effectiveness information from patients and physicians, and should be immediately indicted for fraud.

  10. We declare government and medical agencies must be held accountable.

List of Some COVID Lies Told by Government & WHO

WHO lies

As the sitting POTUS and his entourage are about to head over to the UN and WHO for a little quality time and a vote on circumventing the constitution, this seems a good time to briefly review the current state of affairs.

Ask yourself, have these people earned our trust? Do they have any right to set and police global health policies? Apparently, Joe Biden (or whoever is his current puppet master) and Tony Fauci think so.

A brief list of some of the COVID lies we have heard over the last couple of years (with thanks and acknowledgment to Dr. Scott Atlas):

  1. SARS-CoV-2 coronavirus has a far higher fatality rate than the influenza virus by several orders of magnitude
  2. Everyone has a significant risk of death from COVID-19.
  3. No one has immunity, because this virus is new (“novel”) and so expedited vaccine development and deployment is essential.
  4. Everyone is dangerous and spreads the infection
  5. Asymptomatic people are major drivers of the spread of disease.
  6. Locking down- closing schools and businesses, confining people to their homes, stopping non-COVID medical care, and eliminating travel will stop/eliminate the virus.
  7. Masks will protect everyone and stop the spread.
  8. Immune protection can only be obtained with a vaccine.
  9. Natural immunity conferred by infection and recovery is short-lived and inferior to vaccine-induced immunity.

Who was responsible for these lies?
  1. Deborah Birx (who was trained by Anthony Fauci).
  2. She wrote virtually all official White House guidance to state Governors.
  3. This usurped the constitutional authority of states to set public health policies.
  4. Anthony Fauci
  5. Francis Collins
What were their policy decisions?
  1. “Flatten the Curve”… Then “Stop all cases”
  2. No masks. All masked.
  3. Lockdowns: School closures, business shutdowns, limits on medical care, a host of restrictions, mandates, and quarantines.
  4. Perverse financial incentives for hospitals to overdiagnose COVID-19, overuse Remdesivir and ventilation, and cause a massive wave of iatrogenic (drug/doctor caused) excess death.
  5. Stop early treatment and block repurposed drug use.
  6. “come back to the hospital when your lips are blue”
  7. What was the effect of their policy decisions?
  8. Virus? >1,000,000 American deaths attributed to the virus. One of the highest mortality rates per capita in the world.
  9. Lockdowns? Caused massive deaths and severely harmed millions of families and children, especially the working class and poor.
  10. The better alternative was known by March 2020, known as “targeted protection”

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