The law is the product of more than 70 years of evolution and the consolidation of more than 12 Federal laws. The law is most often used for bank customers who falsify their loan or credit applications, although it has a much broader reach. Section 1014 has always been popular with prosecutors, because juries can understand it easily and the proof usually consists of documentary evidence. Thus, Section 1014 prosecutions are common and have a relatively high conviction rate. However, the United States Supreme Court's decision in Williams v. United States has hindered reliance on Section 1014 by holding that check kiting is not a violation of it. Footnotes.