On paper, a Christian pastor and his family said they ran a faith-based charity with hundreds of employees. By the fall of 2020, the Florida family was suspected of pulling off a multimillion-dollar fraud that targeted the government’s Covid relief program for small businesses and nonprofits.

Yet more than 18 months after an unusual traffic stop that turned up garbage bags of shredded documents and digital devices in bags to avert detection, authorities have yet to charge any member of the family with a crime.