Violations of state or federal law that involve the use of banks or accounts belonging to a financial institution constitute bank fraud. Bank fraud schemes range from the simple, i.e. a bank employee embezzling money from the bank, to the more complex, such as obtaining loans based on overvalued property and fraudulent income information. Other common schemes include "prime bank" scams, which involve con artists using terminology to suggest that the world's biggest banks and financial institutions are backing a secret trading program that carry higher than average rates of return, along with lower than average market risks. Prime bank scams often reference renowned institutions such as the Federal Reserve Bank and the U.S. Treasury Department. Violation of federal banking laws can result in a fine of up to $1,000,000, and incarceration of up to 30 years. Federal prosecutors are responsible for charging and prosecuting violators of federal banking laws in federal district courts.