A Downey man has been charged with running a Ponzi scheme and related mortgage scam that took in more than $20 million. Juan Rangel, who used Spanish-language TV, radio and newspaper ads to advertise his businesses, was already in custody — he was convicted last year of bribing a Bank of America bank manager. In addition to Rangel, two other men were arrested in connection with the alleged mortgage scam. Rangel, 46, faces a maximum of 95 years in federal prison from last year’s conviction and up to 232 years in prison if convicted of running the alleged Ponzi and mortgage scams. He did not have a lawyer as of Thursday evening to represent him on the new charges.