Letitia James, the New York Attorney General, has spent years preaching about the rule of law. She hunted down President Trump in court, accusing him of inflating property values to get better loan terms—even though the banks were repaid in full and made money. She told us that “no one is above the law.” But now, it looks like Letitia James may have broken those very laws herself.
According to publicly available records, Letitia James took out a $200,000 “Credit Line Mortgage” from Citizens Bank in June of 2021. That’s not illegal. But here’s the problem: to get that loan, she claimed her building was a single-family home—just one unit. But the official Certificate of Occupancy from the city says it’s a five-family dwelling. That’s a big deal.
In New York, if a building has more than four units, it’s considered a commercial property. That means higher interest rates, more fees, and thousands more in closing costs. By mislabeling her property, James saved a lot of money—money she wasn’t entitled to save.
This wasn’t a simple mistake. Letitia James has owned this property since 2001. She’s refinanced it several times over the years, each time pretending it had fewer units than it really did. In 2019, she said it had four units. In 2021, she went further and claimed it had just one. That’s not just bending the truth. That’s fraud.
Let’s be clear: this isn’t just about paperwork. New York law says that lying on mortgage documents for a loan over $50,000 is a Class C felony. That’s up to 15 years in prison. And because Citizens Bank is federally insured, federal law comes into play too. Under 18 U.S.C. § 1014, this kind of fraud can bring up to 30 years in federal prison and major fines.
What makes this even worse is the hypocrisy. In her case against President Trump, Letitia James argued that fraud is still fraud—even if the bank doesn’t lose money. She said lying to get a better loan hurts the system and gives unfair advantages to powerful people. She said that people who lie to banks should face justice, no matter their status.
Well, Letitia James is powerful. She’s the top law enforcement officer in New York. And she lied to a bank to get a better loan. By her own standard, she should be indicted. Whether or not the bank lost money doesn’t matter. Honesty matters. Integrity matters. And the law should apply to everyone equally.
This is the same Letitia James who claimed to be married to her own father on a mortgage application in 1983. The same Letitia James who got a government loan in 2011 by falsely claiming her building had only four units. This is a pattern. This is not a one-time slip-up.
If the law means anything, then it must apply to her. If a regular American lied to a bank to save thousands on a mortgage, they’d face serious charges. There should not be one set of rules for Democrat elites and another for the rest of us.
Special Prosecutor Ed Martin has a duty now. Letitia James must be held accountable. She cannot be allowed to walk away from this while she throws the book at others. The evidence is clear. The law is clear. And her own words have set the standard. It’s time to indict Letitia James and prove that no one is above the law—not even the Attorney General.