United States v. Wells, 519 U.S. 482, 9 (1997)

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Opinion of the Court

omitted); see also United States v. Gaudin, 515 U. S., at 509.7 We begin with the text. See Community for Creative Non-Violence v. Reid, 490 U. S. 730, 739 (1989). Section 1014 criminalizes "knowingly mak[ing] any false statement or report . . . for the purpose of influencing in any way the action" of a Federal Deposit Insurance Corporation (FDIC) insured bank "upon any application, advance, . . . commitment, or loan." 18 U. S. C. 1014. Nowhere does it further say that a material fact must be the subject of the false statement or so much as mention materiality.8 To the contrary, its terms cover "any" false statement that meets the other requirements in the statute, and the term "false statement" carries no general suggestion of influential significance, see Kungys v. United States, supra, at 781; cf. Kay v. United States, 303 U. S. 1, 5-6 (1938). Thus, under the first criterion in the interpretive hierarchy, a natural reading of the full text, see United States v. American Trucking Assns., Inc., 310 U. S. 534, 542-543 (1940), materiality would not be an element of 1014.9

7 The Court of Appeals here also appears to have understood materiality to have this meaning. See 63 F. 3d, at 750 (relying on United States v. Adler, 623 F. 2d 1287, 1291 (CA8 1980), which defined "materiality" as having "a natural tendency to influence or [being] capable of influencing" an entity's decision (internal quotation marks omitted)).

8 The pertinent text of 1014 is: "Whoever knowingly makes any false statement or report, or willfully overvalues any land, property or security, for the purpose of influencing in any way the action of . . . any institution the accounts of which are insured by the Federal Deposit Insurance Corporation . . . , upon any application, advance, discount, purchase, purchase agreement, repurchase agreement, commitment, or loan, or any change or extension of any of the same, by renewal, deferment of action or otherwise, or the acceptance, release, or substitution of security therefor, shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both."

9 Justice Stevens argues that the four criminal acts other than "false statement" listed in 1014 would in fact involve material misstatements, and that it follows on the theories of ejusdem generis and noscitur a sociis that false statements must also be shown to be material. Post, at 510-

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