
    The People of the State of New York, Respondent, v. Samuel Koller, Appellant.
    First Department,
    December 7, 1906.
    Crime — larceny in obtaining loan by false pretenses — usury paid lender ' no defense.
    When one has obtained a loan of money on the false representation that the borrower’s stepdaughter who executed a-mortgage on lands to secure the loan had a good title insured by a title guaranty company, a defense cannot be based on the fact that the lender was "paid usury.
    The crime consists in obtaining money in a manner which the statute makes larceny, and it is immaterial whether the lender could have recovered it back.
    Appeal by the defendant, Samuel Roller, from a judgment of the Court of General Sessions of the Peace in and for the county of Rew York, rendered on the 27th day of .June, 1905, convicting the defendant of grand larceny in the second degree. ' I
    
      Isaac N. Jacobson, for the appellant.
    
      Robert S. Johnstone, for the respondent.
   Ingraham, J.:

The evidence upon which this conviction was obtained was as follows: One Simons, the complainant, testified that on the 14th day of June, 1903, he went with a companion to the defendant’s house on a social call; while there the defendant came in; that the defendant expressed regret that he had been unable to obtain some money, saying to tbe witness : “ I offered good security for it, but I was disappointed, I did not get it.” The witness then said as long as defendant would give good security he might make the loan. x The defendant then said: “ Why, my daughter owns a lot up in 172nd" strept, on the. north side of the street, beginning 100 feet west of Amsterdam avenue, and she owns that free and clear, and I offered that as security.” Upon this statement the witness agreed to make the defendant a loan of $300. The defendant then said that he must have the money right away, but the witness said that he must have the title of the property searched first, to which the defendant said: “ I have a Title Insurance Company policy from the Title Guarantee & Trust Company; ” whereupon the witness stated : “ As long as you have a Title Insurance Company policy on that property, I am satisfied to make you the loan.” The next day the parties went to the office of a real estate, broker when the complainant’s attorney was sent for. He sent to the'register’s, office to see if there was a conveyance to the, defendant’s stepdaughter and such a conveyance was found, The parties then went to the attorney’s office where a bond and mortgage was drawn up and" executed by the defendant’s stepdaughter, whereupon the complainant -gave to the defendant a check for thé $300J At the time the attorney Wanted the sUm of $49.34 for the expense of examining-the title, preparing the bond and mortgage and see-, ing'that they were recorded. The defendant said that he did not have the money, and the complainant offered to pay ’the money and add that' amount to- the loan which the defendant accepted. The attorney advised the complainant not tó make the loan when the defendant repeated the statement that he had the title to the property insured by the Title- Guarantee and Trust Company. The ■ complainant .swore that he relied on the statement that the defendant’s stepdaughter had the title to the property free and clear of all incumbrances which had been insured by the Title Guarantee and Trust Company. The check Was produced, indorsed by the defendant. A week afterwards the attorney told the complainant that the title was no good, and when the complainant saw the defendant the defendant ■ said he' would make restitution of the money in a few days, and lie subsequently returned the money ($300) to the complainant. This testimony was corroborated by the complainant’s attorney, who testified that the defendant told him that lie needed the money right away, and that the title to the property had been examined by the Title Guarantee and Trust Company; that it was free and clear of everything;. that the time of such-examination had been so recent that the policy had not' been issued yet; that the $49.34 represented the costs of drawing and recording the papers and searching the title, aiid that the chaige of $49.34 was for those services and paid to him. It also appeared that there was a deed on record of one Vendevorst to Conway, who had conveyed to the defendant’s stepdaughter, There was then called an officer of the Title Guarantee and Trust Com, pony, who testified that shortly before. the fifteenth -of June the defendant came to the office of that company with a broker ; that ■ he showed a deed of this property and stated that he was troubled about his title, as somebody had raised the question as to whether his title was good; that the witness examined a memorandum of conveyances in reference to the" property and told the defendant that he had no title. The defendant told the witness that he had exchanged stock for the property, and the witness then said that he had better go to his lawyers as fast as he could and get back his stock. The witness further testified that the Title Guarantee and Trust Company had never issued any policy of insurance on this title, and up to the time of this transaction had made no examination of it. Although the defendant was not examined as a witness testimony was offered on his belialf to show that this contract was usurious, the lender having paid $30 for making the loan. This evidence was denied both by the complainant and his attorney. Counsel for the defendant then requested the court to charge that if the jury believed that an agreement was made between the complainant and the defendant that the defendant should pay the sum of $30 for the use of $300 for one month, that the contract was void, and that was charged.

Counsel for the defendant then asked the court to charge that if the jury believed that such contract was made between the complainant and the defendant, that the transaction was unlawful in its inception, and the jury must acquit the defendant. This was declined, and to that the defendant excepted. And this latter exception presents the only substantial question in the case. The counsel for the defendant on this appeal relies upon the case of McCord v. People (46 N. Y. 470). In that case the plaintiff in error was tried and convicted of obtaining money under false pretenses. It wras held by the majority of the court that “ if the prosecutor parted with his property upon the representations set forth in the indictment, it must have been for some unlawful purpose, a purpose not warranted by law. There was no legitimate purpose to be attained by delivering the goods to the accused, upon the statements made and alleged as an inducement to the act. * * * The prosecutor parted with his property as an inducement to a supposed officer, to violate the law and his duties; and if in attempting to do this he has been defrauded the law will not punish his confederate, , although such confederate may have been instrumental in inducing the commission of the offence. Neither the law or public policy designs thq protection of rogues in their dealings with each other, or to insure fair dealing and truthfulness, as' between each other, in their dishonest practices.”

It is quite apparent that the principle here .established has no application to the case at bar. The representations were not made and thp money paid by the complainant for the purpose of or an inducement to violate the law. The defendant endeavored to obtain a loan of money from the complainant and made representations as to the security that he offered to obtain the loan, and relying upon such representations which were false and fraudulent,, the plaintiff gave defendant the money. The fact that the loan was void because the complainant exacted a sum of money in excess of the legal rate of interest,. was no defense to a charge that. the money was obtained by the defendant by false representations. The.crime consists in obtaining the money in.a manner which the statute makes larceny. (See. Penal Code, §§ 528, 531.) Whether the person from whom the money was obtained could or could not have recovered it back is entirely immaterial. There are questions of evidence presented, but I do not think that they require discussion.'

The judgment should, therefore, be affirmed.

¡McLaughlin, Clabke, ILoüghton and Scott, J-L, concurred.

Judgment affirmed. Order filed.  