Woman Arrested for Aiding Counterfeit Check Scheme

Caroline R. Garrity charged with criminal facilitation in multi-county fraud investigation

Apr. 7, 2026 at 2:53pm

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An extreme close-up of a crumpled, torn check stub against a pitch-black background, lit by a harsh, direct camera flash, conceptually illustrating the gritty details of a financial crime investigation.A harsh, gritty close-up of evidence from a complex counterfeit check scheme that spanned multiple counties in upstate New York.Saratoga Springs Today

State Police in New York have arrested a 31-year-old woman from Saratoga Springs for her alleged role in a counterfeit check scheme that spanned several counties. Caroline R. Garrity was charged with Criminal Facilitation 4th, a class 'A' misdemeanor, after investigators determined she had rented a vehicle used in the fraudulent activities.

Why it matters

Counterfeit check schemes can have far-reaching financial and legal consequences, impacting both individuals and businesses. This case highlights the importance of law enforcement investigations into organized criminal activity and the need for vigilance against such fraud.

The details

Over several months, investigators identified a vehicle being repeatedly used in a counterfeit check scheme across Albany, Rensselaer, and Schenectady counties. Garrity initially denied involvement, but the investigation determined that the vehicle had been rented by Garrity in her name on Jan. 30, 2026, from the Albany International Airport. Garrity reportedly was compensated for renting the car in her name and then turned the vehicle over to the individual who later utilized it to commit multiple crimes.

  • Garrity was arrested on March 30, 2026.
  • Garrity rented the vehicle used in the scheme on Jan. 30, 2026.

The players

Caroline R. Garrity

A 31-year-old woman from Saratoga Springs, New York, who was arrested and charged with Criminal Facilitation 4th for her alleged role in a counterfeit check scheme.

New York State Police

The law enforcement agency that conducted the investigation and made the arrest in this case.

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What they’re saying

“Counterfeit check schemes can have far-reaching financial and legal consequences, impacting both individuals and businesses. This case highlights the importance of law enforcement investigations into organized criminal activity and the need for vigilance against such fraud.”

— New York State Police

What’s next

Garrity is scheduled to appear in Colonie Town Court on April 22, 2026, to face the criminal facilitation charge.

The takeaway

This case underscores the need for vigilance against organized financial crimes, as well as the critical role of law enforcement in investigating and disrupting complex schemes that can have widespread impacts on communities.