Arthur nodded and took out a new document with a government seal printed in the top corner.

“The first fraud was just to build a credit history in your name at that particular local branch,” Arthur said.

“Once he had ninety days of perfect payments on that smaller loan, the automated federal underwriting system marked your profile as low risk.”

“Low risk for what?” I asked.

Arthur pushed the government document across the table.

It was a commercial lending agreement for eight hundred and fifty thousand dollars.

“He filed this application forty-eight hours ago,” Arthur said.