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5 Members of Mount Vernon Police Suspended After Prison Van Shooting

Five members of the Mount Vernon Police Department (MVPD), Sergeant Joseph Diaz, Police Officer Cody Housen, Police Officer Christian Pacheco, Police Officer Sonjea Collins, Police Officer Omar Bryce, have been suspended on Thursday, October 23rd, in connection with a shooting that took place the week before inside a prison van. The department said a sergeant and four officers have been suspended without pay for 30 days.

32-year-old Louis Soto, of the Bronx, was arrested on Wednesday, October 15th, for forcible touching. Soto is accused of sneaking a loaded .22-caliber Rohm-RGT revolver onto a prison transport van and shooting another inmate in the leg. The major security breach happened while five prisoners were being transported to the Westchester County jail, according to the Mount Vernon Police Department, which is now scrambling to answer questions and change procedures after officers failed to find a gun when searching the suspect.

Two MVPD officers, Officers Omar Bryce and Sonjea Collins. They were transporting five prisoners to the Norwood E. Jackson Correctional Center in Valhalla when they heard a gunshot from the back of the van and a prisoner saying he had been shot.

The officers drove back to police headquarters, and department personnel removed the prisoners from the van, police said. One prisoner had a non-life-threatening gunshot wound to his lower leg and was taken to a local hospital for treatment.

This is a very serious incident. We take this very seriously,” Acting Commissioner and Chief of Mount Vernon Police Marcel Olifiers said at a news conference Friday.

MVPD says it modified its search policy after a scathing report last year by the Justice Department, which concluded officers conducted an excessive number of strip searches.

Police say magnatomitors will now be used to screen prisoners.

Community activists say the shooting is the result of a deeper problem within the department.

“So many good officers, experienced officers have left this department for better pay or retired, you have rookies training rookies right now in the city. For them to say that the DOJ excuse, the strip searching, we’re not buying that,” Jesse Van with Save Mount Vernon shared with Black Westchester.

The department is reviewing all circumstances surrounding the incident. Based on our established training, policies, and procedures, early findings indicate that the firearm should have been detected during arrest or intake. While a 2022 policy update limited the broad use of strip searches, a properly conducted frisk or authorized strip search should have revealed the weapon.

Failure to do so has resulted in disciplinary action by the Mount Vernon Police Department. In consultation with legal counsel, five department members directly involved in Soto’s arrest or processing have been suspended without pay for 30 days pending the outcome of the ongoing investigation.

These suspensions are not final determinations of disciplinary outcomes. The internal investigation remains active, and additional findings or disciplinary actions may be forthcoming as the review continues.

Yonkers Halloween Curfew Is About Protecting Our Children — Not Policing Them

As Halloween approaches, the City of Yonkers has once again put public safety first by announcing an official curfew for minors. The curfew, which takes effect Thursday, October 31, 2025, is designed to protect children and families during a night that often brings not only fun and candy — but also mischief, vandalism, and unsafe situations.

According to city officials, children 11 and younger must be home by 10:00 PM, youth 12 to 13 by 10:30 PM, and those 14 to 16 by 11:00 PM. Exceptions apply for minors accompanied by a parent or guardian, traveling to or from work or school with proof, or standing near their homes with permission from a neighbor.

Violators will be escorted to the nearest Yonkers Police precinct, and parents or guardians will be contacted. While no fines are specified, the goal is clear — safety, not punishment.

A Tradition of Safety, Not Suppression

Yonkers is not alone in enforcing curfews during Halloween. Cities across the nation have implemented similar measures to reduce property damage, loitering, and youth-related incidents that have historically spiked on October 31st. These policies aren’t about criminalizing children — they’re about creating order on a night when chaos can easily take over.

For years, residents have voiced concerns about reckless behavior, vandalism, and violence occurring in certain neighborhoods after dark. The curfew gives law enforcement and parents a shared tool to ensure that our youth — especially those under 17 — are safe, supervised, and protected from harm.

The Real Issue: Parenting and Involvement

Let’s be honest — many of the problems we’re seeing with our youth today stem from a deeper issue: the breakdown of parental involvement. Too many children are being raised by television, social media, or the streets, while discipline and accountability have taken a back seat.

The city can set a curfew, but it’s parents who must set the standard. When adults stop showing up — in the home, in schools, or in community spaces — young people are left to define their own rules. That vacuum of guidance leads to the very situations the curfew is trying to prevent.

A child’s safety starts long before Halloween night. It begins with a parent who knows where their child is, who they’re with, and what they’re doing. Curfews don’t raise children — parents do.

Protecting Black Youth from Risk — Not Restricting Their Freedom

In too many cities, Halloween night can quickly turn dangerous, especially in communities already dealing with underfunded youth programs and high-density housing. When police, parents, and residents work together to set curfews, they create a safer environment — not a punitive one.

The focus must remain on prevention. A young person home safe by 11:00 PM is one less headline, one less arrest, and one less tragedy. Protecting Black youth means guiding them away from danger — not waiting to react after the fact.

A Message to Yonkers Parents

This Halloween, the message from Yonkers officials should be echoed by every parent: Keep your children safe, keep them supervised, and keep them home early. The curfew isn’t an attack on freedom — it’s a shield against harm.

Many of the problems we label as “youth issues” are really parenting issues. Our children will follow the examples we set — and when adults step up, communities stabilize.

As a retired law enforcement officer who has watched so many young children come through the justice system for making silly mistakes, I support proactive measures that protect our youth and strengthen family accountability. Safety isn’t about control — it’s about care. And on Halloween night, that care begins at home.

Mount Vernon’s Dirty Secret: Toxic Smoke and Black Political Neglect

For years, a silent environmental crime has been unfolding in Mount Vernon, New York. Residents have witnessed a continuous plume of smoke rising from an industrial site that should never have been permitted so close to homes, schools, and playgrounds. Behind that smoke lies a deeper truth — a majority-Black city, led by Black elected officials, is being poisoned by the very system claiming to protect it. The urgency of this situation cannot be overstated.

The Poison in the Air

What’s burning inside Mount Vernon’s city limits is more than waste — it’s the health of an entire community. The alleged incineration of medical waste releases a cocktail of toxins: dioxins, mercury, lead, and microscopic ash that embeds deep into human lungs. According to the U.S. Environmental Protection Agency (EPA), these pollutants are among the most dangerous substances on earth, linked to cancer, reproductive damage, and immune system failure.

These poisons don’t vanish when the smoke clears. They settle into soil, drift through open windows, and cling to the same playgrounds where our children play. Even at trace levels, they damage the human body over time — invisible, odorless, and deadly.

Racism by ZIP Code — Enforced by Black Elected Officials

Mount Vernon’s leadership has perfected a tragic political art: delivering speeches about equity while turning a blind eye to the suffering in their own backyard. This is not just an environmental issue — it’s a profound betrayal of the community’s trust and well-being.

For decades, Mount Vernon’s majority-Black residents have endured sewage backups, toxic flooding, lead contamination, and crumbling infrastructure. Now, poisonous air joins the list — and still, City Hall remains silent. Complaints have been filed, agencies have been contacted, but enforcement never comes.

Let’s call it what it is: racism by ZIP code, sustained not by white supremacy from the outside, but by political complacency from within. The silence of Black elected officials — the same ones who campaign on justice, health, and equality — is not just disappointing, it’s deadly.

If this facility were located in Scarsdale or Bronxville, it would have been shut down overnight. But because it’s Mount Vernon — where property values are lower and political accountability weaker — the community is left to choke. The problem isn’t a lack of awareness. It’s a lack of courage.

Health Disparities and the Hospital That Never Was

Mount Vernon’s health crisis didn’t start with the smoke — it’s the latest chapter in a long story of neglect. The city of over 80,000 residents does not have a full-functioning hospital. Let that sink in. A town that once had one of Westchester County’s most respected hospitals now sends its sick and elderly miles away for emergency care, a situation that deeply impacts the community.

For years, Mount Vernon Hospital has been stripped down, neglected, and dismantled while local politicians offered photo ops instead of solutions. Ambulances race to New Rochelle or the Bronx while residents in cardiac arrest, labor, or trauma lose precious minutes — sometimes their lives.

This collapse has profound racial consequences. The New York State Health Equity Report shows Mount Vernon has higher preventable hospitalization rates and elevated premature deaths before age 65 compared to other Westchester communities. Residents experience excess mortality from heart disease, stroke, and diabetes, according to the New York State Nurses Association. These are not random statistics — they are the predictable results of systemic neglect.

Meanwhile, wealthier, majority-white cities like Scarsdale and Bronxville — less than 10 minutes away — have thriving hospitals and better access to specialists. Montefiore’s own restructuring widened these disparities, quietly closing services in Mount Vernon while expanding in White Plains.

This is not just poor planning. It’s political apartheid with Black faces — a system where elected officials who look like the community still govern with the same disregard as those who once ignored us from afar. The color changed, but the conditions didn’t.

Black leadership that tolerates a city without a hospital, with poisoned air, broken sewers, and neglected housing, is not leadership — it’s betrayal. This is institutional abandonment under Black management, and it must be called what it is: political apartheid dressed in diversity.

When Representation Becomes Neglect

The painful irony is that Mount Vernon’s leadership looks like its residents, yet governs like absentee landlords. Representation without responsibility is hollow. The city’s Black leadership inherited the same broken system and chose to maintain it — favoring political alliances and contracts over clean air and safe neighborhoods.

When elected officials treat public health as a political inconvenience, they forfeit moral legitimacy. Authentic leadership means standing up to corporate polluters, demanding transparency, and protecting the people — not posing for photo ops while the community coughs.

The Law and the Liability

Under New York State environmental law, burning medical waste in residential areas requires permits, emission scrubbers, and continuous monitoring. If those conditions are not met, both the company and the city could violate state and federal law. The New York State Department of Environmental Conservation (DEC) and the EPA have the power to intervene — but they must first be forced to look where local leadership refuses to act.

Environmental justice means more than slogans and hashtags. It means equal enforcement of the law, regardless of a person’s ZIP code or skin color.

A Crisis in Plain Sight

Mount Vernon has become a case study in political hypocrisy. Its residents are told to take pride in diversity while breathing the byproducts of negligence. Every day that smoke rises, it symbolizes not just environmental decay, but moral decay — a leadership class that’s forgotten who it serves.

This is not a nuisance. It’s a public-health emergency, and it needs to be treated as such.

This is not an oversight. It’s organized neglect.

The question isn’t whether Mount Vernon is being poisoned — the question is why those in power, who look like the people, are letting it happen.

Environmental Justice for Mount Vernon — Not Just a Hashtag

If Mount Vernon’s leaders won’t act, the community must. The next step is not another speech or social media campaign — it’s a community-led health audit. This is an opportunity for us, the residents, to take control of our health and our future.

A community-led health audit puts the power to investigate and expose in the hands of the people. It means organizing residents, doctors, and environmental scientists to conduct independent air, soil, and water testing — making results public and undeniable. It means tracking asthma, cancer, and respiratory illness rates by ZIP code and comparing them with those in Scarsdale, Bronxville, and White Plains. This audit has the potential to not only reveal the extent of the problem but also to hold those responsible accountable.

When the community gathers its own data, it can no longer be ignored. It becomes evidence — the kind that forces action from the DEC, the EPA, and Albany.

This is what environmental justice looks like: truth owned by the people, not managed by politicians. Mount Vernon can no longer afford silence disguised as leadership.

The air is toxic, the hospital is gone, and the people are suffering — all under the watch of those who promised change.

This is not just neglect.

This is political apartheid by Black faces in power.

And it’s time for the people to take back the right to breathe.

It’s Time to Change the Plan

When political theater replaces governance, reality has a way of humbling even the most confident narratives. Despite weeks of emotional appeals — the government shutdown, the “No Kings” rallies, and the habitual blaming of Donald Trump — the public has not moved.

According to Gallup and Reuters/Ipsos, Trump’s approval rating remains steady around 44%, unchanged by the chaos. Meanwhile, the Democratic Party’s favorability has fallen into the low 30s, a near-historic low. The numbers tell a simple story: Americans are unimpressed by symbolism that produces no results.

Even mainstream outlets now concede that the Continuing Resolution (CR) Congress failed to pass was a clean bill — free of partisan policy traps. Yet Democrats refused to support it, effectively surrendering more power to the executive branch while protesting “executive overreach.” You can’t demand “No Kings” and then hand the crown to the very office you claim to oppose.

This contradiction exposes the larger truth about modern politics: performance has replaced principle. Political actors now use policy as a prop, not a tool. It might make for good television, but it doesn’t keep the lights on, lower the cost of living, or strengthen the nation’s foundation.

Trump — for all his controversy — continues to hold steady where it matters most: public confidence. His approval hasn’t wavered because voters are responding to tangible results, not political theater. The Democratic Party, on the other hand, continues to talk about what it opposes, not what it can build.

That’s the real problem. The party lacks a clear economic plan to control inflation and support small business. It has no educational plan to fix failing schools or return authority to parents. And it has no plan to restore families and communities, the very pillars that keep a society intact. Without addressing these three foundations — economy, education, and family — all the talk about “equity” and “inclusion” becomes empty language without measurable outcomes.

The strategy of resistance has run its course. You can’t govern by reaction, only by results. Americans are not waiting for slogans; they are waiting for solutions.

It’s time to change the plan — not for political gain, but for the country’s stability. Emotional politics have given us dysfunction. Logic and leadership are the only paths forward.

FBI and U.S. Attorney Announce Historic Takedown Linking NBA Figures to Mafia-Backed Gambling Network

In what federal officials are calling one of the most far-reaching corruption probes in modern sports history, the U.S. Attorney for the Eastern District of New York and the FBI have announced two overlapping indictments — one involving insider NBA betting and another tied to rigged poker games backed by New York’s most powerful Mafia families.

Operation Royal Flush and Operation Nothing But Bet

At a joint press conference, U.S. Attorney Joseph Nosella and FBI Director Kash Patel revealed the results of Operation Royal Flush and Operation Nothing But Bet. These multi-year investigations exposed a sprawling criminal enterprise connecting professional basketball insiders to organized crime.

Officials described a nationwide operation across 11 states that resulted in 34 arrests, including NBA coach Chauncey Billupscurrent Miami Heat guard Terry Rozier, and former player and coach Damon Jones. Prosecutors allege these men used their positions and inside access to manipulate betting outcomes and rig high-stakes poker games.

The NBA Insider Betting Case

According to the indictment, between December 2022 and March 2024, the defendants orchestrated a fraud scheme to profit from non-public NBA information — including when certain players would sit out or exit early under the guise of injuries.

Federal prosecutors say Rozier and Jones were among those who either provided or exploited confidential information. One cited example occurred in March 2023, when Rozier allegedly tipped off associates that he would leave a game early. They then placed over $200,000 in wagers on his performance unders. Rozier exited after nine minutes, and the bets paid out.

Defendants used straw bettors to avoid detection and laundered winnings through cash exchanges, wire transfers, and peer-to-peer platforms. The total financial exposure is estimated in the tens of millions.

Those charged in this case include Eric ErnestMarz FarleyShane HenningDairo LerDamon Jones, and Terry Rozier. All face charges of conspiracy to commit wire fraud and money laundering. The FBI characterized the operation as “the insider trading saga for the NBA.”

The Mafia-Backed Poker Ring

The second case — U.S. v. IEL — dates back to 2019 and involves a high-tech rigging of underground poker games across New York, Las Vegas, Miami, and the Hamptons.

Defendants allegedly used modified shuffling machineshidden camerasX-ray poker tables, and smart lenses to read cards and communicate results in real time. The so-called “quarterback” at the table received signals from an off-site operator and relayed them to co-conspirators during play.

Victims — nicknamed “fish” — were often lured to these games by the chance to play with celebrity athletes like Billups and Jones, who served as “face cards” to add legitimacy.

Federal officials confirmed involvement from four of New York’s infamous Mafia families: the BonannoGambinoGenovese, and Lucchese families. These families allegedly managed game operations, enforced debts, and took cuts from winnings.

Losses exceeded $7 million, and in some cases, players who couldn’t pay were subject to threats, extortion, and robbery.

Federal Response and Next Steps

FBI Director Patel praised the operation as “historic justice at the intersection of sports and organized crime,” while acknowledging it would face political and public backlash. “It’s not popular to go after these defendants,” he said, “but justice is blind. This is insider trading for the NBA.”

Police Commissioner Jessica Tish confirmed that both the FBI and the NBA cooperated fully with the investigation and that more arrests are possible as the investigation continues.

Both cases remain active, and prosecutors urge anyone with information to contact the FBI.

Community Voices Heard Power Endorsements For NYC, Westchester, Orange & Dutchess Counties

Community Voices Heard (CVH) announced their endorsements in key races in New York City, Westchester, Orange, and Dutchess Counties. CVH members carefully evaluated candidates who will fight for public housing, guaranteed income, and true representation for New York’s most vulnerable residents. They remind voters to vote on the Working Families Party Line, Row D!

In the 2025 New York City Mayoral Race, CVH endorses Zohran Mamdani.

In the 2025 New York City Council Race, CVH endorses Shaun Abrea for District 7, Elsie Encarnacion for District 8, Alexa Aviles for District 38, and Crystal Hudson for District 35.

CVH endorses Councilwoman Corazon Pineda-Isaac for Yonkers City Council District 2

In Dutchess County, CVH Endorses Dan Aymar-Blair for Dutchess County Comptroller and Legislator Candidates Emma Arnoff for District 2 and Lisa Kaul for District 6.

In the City of Poughkeepsie (Dutchess County), CVH Endorses Council Candidates Evan Menist for Ward 2, Terriciena Brown for Ward 3, Nedra Thompson for Ward 7, and Daniel Atonna for Ward 8.

In Orange County, CVH Endorses Michael Sussman for County Executive and Legislator Candidates, Genesis Ramos for District 4, and Gabrielle Hill for District 6

In the City of Newburgh, CVH Endorses Giselle Martinez for Ward 1 and Tamika Stewart for Ward 3

Early voting for the General Election will take place from this Saturday, October 25, 2025, to Sunday, November 2, 2025. Early voting for the General Election is a nine (9) day period where voters can vote in-person before Election Day, Tuesday, November 4th.

You can search for your ballot and polling location either by Free Text Search OR by providing Street Number, Street Name and Zip Code (click on the link).

While most voters are frustrated with the narrow choices offered by our major political parties, New York is different: We’re one of the few states where a minor party can have a major impact. And Community Voices Heard Power is a proud member of the Working Families Party.

Black Westchester encourages all voters to Get Up, Get Out and Vote, and research the candidates so you can make more informed decisions at the ballot box, because elections have consequences. You get the government you deserve because you get the government you vote for!!!

Blacks in Law Enforcement of America Endorses Ken Jenkins for Westchester County Executive

— a leader who has consistently demonstrated integrity, accountability, and an unwavering commitment to both public safety and community trust.

A Proven Partner in Public Safety

As Deputy County Executive, Ken Jenkins has worked to strengthen the relationship between law enforcement and the communities we serve. He understands that proper public safety requires more than arrests — it requires prevention, engagement, and fairness. Jenkins has supported efforts to ensure our officers are adequately trained, equipped, and held to the highest professional standards.

His collaborative leadership has helped advance initiatives focused on de-escalation training, mental health response, and building public confidence in policing. Jenkins recognizes that accountability and community partnership are not opposing forces — they are the foundation of justice.

Standing Up for Equal Opportunity and Justice

Ken Jenkins has been a consistent voice for equal opportunity in hiring, advancement, and leadership within law enforcement and county government. He has long understood that diversity in public safety makes departments stronger, more responsive, and more reflective of the communities they serve.

From his time as County Legislator to his current role as Deputy County Executive, Jenkins has supported programs that give young people — particularly from communities of color — pathways to careers in public service, ensuring that the next generation of officers and leaders come from all backgrounds.

A Leader Who Listens and Leads

Our organization values leaders who respect law enforcement, but who also demand fairness and accountability. Ken Jenkins embodies that balance. He listens to the concerns of officers and citizens alike, working to bridge divides rather than widen them. His approach to governance mirrors the principles we stand for: service, integrity, and responsibility to the people.

Our Endorsement

At a time when public trust in institutions is fragile, Westchester County needs steady and principled leadership. Ken Jenkins has proven he can deliver both safety and justice — without compromising one for the other.

For his record of service, his commitment to fair and effective policing, and his vision for a safer, more united Westchester, Blacks in Law Enforcement of America proudly endorses Ken Jenkins for Westchester County Executive.

Black Westchester Magazine Endorses Ken Jenkins for Westchester County Executive

Black Westchester Magazine proudly endorses Ken Jenkins for Westchester County Executive, recognizing his proven record of service, fiscal discipline, and lifelong commitment to equal opportunity for all residents of Westchester County.

A Record of Steady, Accountable Leadership

As Deputy County Executive, Ken Jenkins has shown that progress and responsibility are not opposites — they’re partners. Working alongside County Executive George Latimer, he has helped restore Westchester’s financial stability, protect essential services, and steer the county through some of its most challenging times.

From his years as a County Legislator and Chairman of the Board of Legislators, Jenkins developed a deep understanding of budget management, consensus-building, and policy-making that reflect fairness and fiscal prudence. His steady leadership has helped ensure that Westchester remains one of New York’s strongest and most well-managed counties.

A Champion for Equal Opportunity

Ken Jenkins has long been a champion of equal opportunity and fair representation across every community in Westchester. Representing District 16 — which includes parts of Yonkers and Mount Vernon — Jenkins earned a reputation for accessibility and results.

His commitment to expanding opportunities for minority- and women-owned businesses, improving public health access, and advancing affordable housing demonstrates his understanding that inclusion is not a slogan — it’s a responsibility. Jenkins’ leadership has directly supported programs aimed at reducing racial health disparities, expanding small-business growth, and strengthening historically overlooked neighborhoods.

A Vision for a Stronger, Fairer County

Ken Jenkins embodies the kind of results-driven leadership that Westchester needs to move forward. He has always focused on outcomes that matter — safer neighborhoods, stronger schools, and policies that help working families thrive.

Jenkins understands that government should work for the people, not political interests. His forward-looking approach balances economic growth with compassion and accountability, ensuring that every resident — from Mount Vernon to Peekskill — shares in Westchester’s success.

Why We Support Ken Jenkins

At a time when leadership is often defined by division, Ken Jenkins stands out as a bridge-builder — someone who listens, learns, and leads with integrity. His experience in both legislative and executive roles gives him the insight needed to deliver practical solutions without political gamesmanship.

Black Westchester Magazine supports Ken Jenkins because he represents what this moment demands: steady leadership, proven experience, and an unwavering belief in equal opportunity for all.


Editorial Note

This is an official editorial endorsement from Black Westchester Magazine. It reflects the publication’s independent evaluation of candidates and their record of public service. We encourage all voters to stay informed, participate in local elections, and make their voices heard

BW October 2025 – Pre-Election Edition (Digital Edition)

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Welcome to the digital edition of the October 2025 Pre-Election Edition.  As always, we would like to take this time to thank all the readers, listeners, supporters, sponsors, contributors, and advertisers for their support in our effort to deliver the “News With The Black Point Of View” since 2014. We are always looking for writers, photographers, and interns.

Email BlackWestchesterMag@gmail.com to inquire. Send us your feedback, let us know what you think of this issue. Let us know subjects/topics you would like to see us cover in the future, and send your letters to the editor to BlackWestchesterMag@gmail.com.

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NYS AG Tish James Scheduled To Appear In Federal Court In Norfolk Virginia On Friday

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New York State Attorney General Letitia James is scheduled to appear in federal court in Norfolk, Virginia, on Friday, October 24th. The United States District Court for the Eastern District of Virginia in Norfolk is expected to be the location of a large rally in support of James. The prosecution of the Attorney General of New York is widely viewed as a retaliatory act driven by President Trump, who was prosecuted by the New York Attorney General last year.

James was indicted by a federal grand jury in Virginia on October 9, 2025, for charges of bank fraud and making false statements to a financial institution. The charges are related to her 2020 purchase of a property in Norfolk, Virginia, where she is accused of misrepresenting the property as her primary residence to get more favorable mortgage terms, when in fact it was an investment property. She has denied the allegations, calling them politically motivated.

It has been widely reported that prosecutors who challenge the James prosecution are being fired by the Trump Administration. Following their alleged refusal to charge James, newly appointed U.S. Attorney Lindsey Halligan sent termination letters to two prosecutors in the Eastern District of Virginia, Beth Yusi and Kristin Bird.

According to the five-page indictment against Attorney General James, she made a false assertion that the house she bought in Norfolk, Virginia, in 2020 was a “second home.”

The allegations against James focus on a mortgage agreement the New York Democrat signed in 2020 to purchase a house in Norfolk, Virginia. James allegedly stated in loan documents that she would use the property as her secondary residence – a claim that prosecutors say won her favorable loan terms but was in fact a lie, as she instead rented it out to a family. Her misrepresentation violated her mortgage agreement, prosecutors say, which barred James from renting out the property.

Prosecutors allege James improperly saved $18,933 because the interest rate on a mortgage for a second home is lower than interest rates on a loan for an investment property. The lower interest rate and another credit, they allege, account for the savings.

The first count James faces, bank fraud, charges her with scheming to defraud two financial institutions: OVM Financial, which helped James apply for the loan, and First Savings Bank, which was assigned to the loan. The second count charges James with lying to OVM Financial about her plans to rent the house.

James will make her first appearance in court on Friday, during which she will be presented with the charges against her. Prosecutors could ask the judge assigned to oversee the case to impose conditions for her release, though such conditions are not common when defendants aren’t accused of violent crimes or at risk of fleeing.

She faces up to 30 years in prison if convicted.