White collar crime is a nonviolent, money-related type of crime usually committed by business professionals or government officials who are financially motivated to find a way to gain control of assets, typically those that are not theirs to begin with. One notable Florida case involves housing developer, Lloyd Boggio, who was charged in a $34 million dollar fraud case in Miami that impacted low-income families. Rather than to face a jury of his peers, Boggio pled guilty in his case. Boggio and his co-conspirators inappropriately used U.S. tax credits and received monetary benefit from 14 different government housing developments. By taking the plea bargain, Boggio is now serving 54 months in prison rather than the possible lifetime behind bars that he could have faced after a trial.
Most crimes - with the exception of murder and kidnapping - have a limit of time that a prosecutor can file criminal charges against a suspect. These time limits are known as the statute of limitations. The statutes are in place to make sure that evidence being used is preserved properly and justice is happening in a timely manner.
Hundreds of arrests happen each day in the United States and many of these are wrongful arrests of defendants who haven't committed the crime they are ultimately charged with and often serve time for. In a country where at any given moment over 2 million people are in prison, even 1% of an error in arrests can result in several thousands of people behind bars for crimes they didn't commit.
After you're arrested for a crime, the next step is the filing of the information or indictment. In most cases in Florida (except Capital) the police will fill out a standard police report (A-Form) that will be passed on to the State Attorney's Office who will review the case and determine what crimes they will formally charge you with.