Whoever, having devised or intending to devise any scheme or
artifice to defraud, or for obtaining money or property by means of
false or fraudulent pretenses, representations, or promises,
transmits or causes to be transmitted by means of wire, radio, or
television communication in interstate or foreign commerce, any
writings, signs, signals, pictures, or sounds for the purpose of
executing such scheme or artifice, shall be fined under this title
or imprisoned not more than 20 years, or both. If the violation
occurs in relation to, or involving any benefit authorized,
transported, transmitted, transferred, disbursed, or paid in
connection with, a presidentially declared major disaster or
emergency (as those terms are defined in section 102 of the Robert
T. Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C.
5122)), or affects a financial institution, such person shall be
fined not more than $1,000,000 or imprisoned not more than 30
years, or both.