2026年6月29日 美国东部时间11:30 / 福克斯新闻频道
比尔·普尔特将此事提交给美国司法部，后者针对抵押贷款申请欺诈指控启动了刑事调查
作者：阿曼达·马西亚斯 福克斯新闻
《大型周末秀》节目就针对莉萨·库克的所谓抵押贷款欺诈指控，以及民主党众议员玛克辛·沃特斯呼吁援引第25修正案罢免唐纳德·特朗普总统一事展开讨论。
美联储理事莉萨·库克与唐纳德·特朗普的法律纠纷，部分围绕她在加入美国央行前获得的三笔住房贷款展开。
这些与密歇根州、佐治亚州和马萨诸塞州房产相关的贷款，因库克是否谎报房屋用途——是作为主要住宅还是其他用途，引发了审查。特朗普在试图将她从联邦储备委员会罢免时援引了这些指控，称这些行为构成了罢免她的理由。
美国最高法院最终以5票赞成、4票反对的裁决结果，允许库克继续担任美联储理事，同时她针对被解雇提起的单独诉讼将继续推进。
谁是莉萨·库克？这场特朗普与最高法院交锋的核心美联储理事
2026年1月21日，联邦储备委员会理事莉萨·库克在相关案件口头辩论结束后，站在华盛顿特区美国最高法院外。（阿尔·德拉戈/彭博社/盖蒂图片社）
库克在联邦法院对特朗普试图将她罢免的行为提起诉讼，辩称该举动非法，并威胁到美联储的独立性。她于8月28日提起的诉讼并未提及她在抵押贷款文件中将两处住宅列为主要住所的指控。
这些指控源于特朗普任命的官员比尔·普尔特，他负责监管房利美和房地美的联邦机构。现已担任代理国家情报总监的普尔特，在提交给司法部的检举材料中将库克与这三处房产联系起来，司法部随后证实已针对抵押贷款申请欺诈指控启动刑事调查。
司法部调查中提及的这些贷款发放于2021年，早于前总统乔·拜登提名库克进入联邦储备委员会之前。
争议的核心是主要住宅贷款所附带的优惠条款，与度假屋或租赁物业的抵押贷款相比，贷方通常认为主要住宅贷款风险更低。
库克在2025年6月提交给美国政府道德办公室的财务申报文件中披露了这三笔贷款，同时列出了她的收入、退休账户和投资情况。
司法部对美联储理事莉萨·库克启动刑事调查
联邦储备委员会理事莉萨·库克在2025年6月财务披露报告中列出的三笔抵押贷款。（美国政府道德办公室/福克斯新闻数字频道）
该文件还显示，库克从她位于马萨诸塞州剑桥市的公寓中每年获得超过5万美元的租金收入。普尔特在提交给司法部的检举材料中指控，尽管库克报告了该单元的租金收入，但她在抵押贷款文件中将这座剑桥公寓申报为第二套住房，而非投资房产。
库克于2002年在哈佛大学担任教授时购买了这套公寓。2021年4月，她为该房产申请了一笔15年期、利率2.5%、金额36.1万美元的贷款。
两个月后，库克在密歇根州安阿伯市获得了一笔抵押贷款，用于购买一栋三居室住宅。她通过密歇根大学信用合作社申请了一笔15年期、利率2.87%、金额20.3万美元的贷款，用于购买这套面积1800平方英尺的房产。当时，她在密歇根州立大学教授经济学和国际关系，该校距离此地约一小时车程。
她还为位于佐治亚州亚特兰大市四季酒店上方的一套豪华公寓申请了一笔54万美元、期限30年的抵押贷款。
这笔由银行基金员工联邦信用社发放的贷款，利率为3.25%。
库克与特朗普案件中的一份罕见文件可能影响最高法院大法官的判决
佐治亚州亚特兰大市四季酒店及公寓的谷歌地图视图。（谷歌地球）
根据普尔特提交给司法部的检举信，在这份贷款协议中，库克“确认将在抵押贷款签署后的60天内将该房产作为主要住所，并将其作为主要住所满一年”。
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库克并未公开解释为何将密歇根州和佐治亚州的两处房产都申报为主要住所。
她的律师阿贝·洛厄尔在9月2日的 filings 中否认了这些指控，写道库克“从未实施过抵押贷款欺诈”。
阿曼达·马西亚斯负责报道商业、经济与政治的交集领域，重点关注政策决策如何影响市场、企业和美国工人。
Explained: How Lisa Cook’s three home loans became central to Trump’s fight over her Federal Reserve seat
June 29, 2026 11:30am EDT / Fox News
Bill Pulte referred the matter to the DOJ, which opened a criminal probe into mortgage application fraud allegations
By Amanda Macias Fox News
‘The Big Weekend Show’ weighs on the alleged mortgage fraud accusations against Lisa Cook and Democrat Rep. Maxine Waters’ call to invoke the 25th Amendment against President Donald Trump.
Federal Reserve Governor Lisa Cook’s legal battle against President Donald Trump centered, in part, on a trio of mortgages she obtained before joining the nation’s central bank.
The loans, tied to properties in Michigan, Georgia and Massachusetts, drew scrutiny regarding whether Cook misrepresented how the homes would be used — as primary residences or otherwise. Trump cited those allegations in his effort to boot her from the Federal Reserve Board of Governors, arguing they constituted cause for her removal.
The Supreme Court ultimately ruled 5-4 that Cook can remain on as a Fed governor while her separate lawsuit challenging her firing proceeds.
WHO IS LISA COOK? THE FED GOVERNOR AT THE CENTER OF TRUMP’S SUPREME COURT FIGHT
Lisa Cook, governor of the Federal Reserve, stands outside the U.S. Supreme Court in Washington, D.C., on Jan. 21, 2026, following oral arguments related to her case.(Al Drago/Bloomberg/Getty Images)
Cook challenged Trump’s attempt to oust her in federal court, arguing that the move was unlawful and threatened the Federal Reserve’s independence. Her lawsuit, filed Aug. 28, did not address allegations that she listed two homes as a primary residence on mortgage documents.
The allegations originated with Bill Pulte, a Trump appointee who oversees the federal agency that regulates Fannie Mae and Freddie Mac. Pulte, who is now acting Director of National Intelligence, linked Cook to the trio of properties in referrals sent to the Justice Department, which later confirmed it had opened a criminal investigation into allegations of mortgage application fraud.
The mortgages cited in the Justice Department probe were issued in 2021, before former President Joe Biden nominated Cook to the Federal Reserve Board.
At issue were the preferential terms that come with primary-residence loans, which lenders typically view as lower risk than mortgages for vacation homes or rental properties.
Cook disclosed all three mortgages in a financial filing with the U.S. Office of Government Ethics in June 2025, listing them alongside her income, retirement accounts and investments.
JUSTICE DEPARTMENT OPENS CRIMINAL PROBE INTO FED’S LISA COOK
Federal Reserve Governor Lisa Cook’s three mortgages listed on her June 2025 financial disclosure report.(U.S. Office of Government Ethics/Fox News Digital)
The filing also showed that Cook earned more than $50,000 a year in rental income from her Cambridge, Massachusetts, condominium. Pulte alleged in his DOJ referral that Cook represented the Cambridge condominium as a second home rather than an investment property, despite reporting rental income from the unit.
Cook bought the condo in 2002 when she was a professor at Harvard University. For this property, she obtained a 15-year loan for $361,000 at a rate of 2.5% in April 2021.
Two months later, Cook secured a mortgage for a three-bedroom home in Ann Arbor, Michigan. The 15-year loan for $203,000 at a 2.87% rate through the University of Michigan Credit Union covered the 1,800-square-foot property. At the time, she taught economics and international relations at Michigan State University, roughly an hour’s drive away.
She also obtained a $540,000, 30-year mortgage for a luxury condo above the Four Seasons Hotel in Atlanta, Georgia.
The loan, issued by the Bank Fund Staff Federal Credit Union, carried a 3.25% interest rate.
A RARE FILING IN THE LISA COOK–TRUMP CASE COULD SWAY SUPREME COURT JUSTICES
A Google Map view of the Four Seasons hotel and condominiums in Atlanta, Georgia.(Google Earth)
In that loan agreement, Cook “affirmed that this property would serve as her primary residence within 60 days of the execution of the mortgage and would serve as her primary residence for a full year,” according to Pulte’s referral letter to the Justice Department.
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Cook has not publicly explained why both the Michigan and Georgia properties were designated as her primary residence.
Her attorney, Abbe Lowell, denied the allegations in a Sept. 2 filing, writing that Cook “did not ever commit mortgage fraud.”
Amanda Macias covers the intersection of business, economics and politics, with a focus on how policy decisions shape markets, businesses and American workers.
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