Re: [情報] 川普解除Fed官員Cook職務

補充一下cnbc最新的新聞

Trump says he is removing Fed Governor Lisa Cook
https://tinyurl.com/3wcjzp84
Published Mon, Aug 25 2025 8:09 PM EDT

President Donald Trump on Monday fired Federal Reserve Governor Lisa Cook,
according to a letter on his Truth Social, an unprecedented move and a
significant escalation of his attacks on the U.S. central bank.

美國總統川普週一在他的 Truth Social 上發表的一封信中宣布，開除聯準會理事 LisaCook。這是前所未有的舉動，也是他對美國央行攻擊的重大升級。

“Pursuant to my authority under Article II of the Constitution of the United
States and the Federal Reserve Act of 1913, as amended, you are hereby removed from your position on the Board of Governors of the Federal Reserve,
effective immediately,” Trump wrote.

川普在信中寫道：「依據美國憲法第二條以及經修正的 1913 年《聯邦儲備法》，我在此宣布你立即被解除聯準會理事會職務。」

Trump’s move pushes the Federal Reserve into unchartered territory and will
likely lead to a legal clash that could wind up at the Supreme Court.

川普此舉將聯準會推向未知領域，並可能引發一場最終鬧上最高法院的法律衝突。

Congress curbed the president’s authority to unilaterally fire a Fed governor in the Federal Reserve Act of 1913, which states that president can only do
so “for cause.” While the law does not elaborate on what constitutes “cause
,” it has historically been understood to mean serious concerns about an
official’s ability to continue serving.

根據 1913 年《聯邦儲備法》，國會限制了總統單方面開除聯準會理事的權力，總統僅能在「有原因」(for cause) 的情況下這樣做。雖然法律未具體定義「原因」為何，但歷來被理解為對官員能否繼續履職有嚴重疑慮。

The Trump administration claims that Cook, who was nominated by former
President Joe Biden in 2022, committed mortgage fraud by allegedly naming twodifferent properties as her primary residence at the same time.

川普政府聲稱，2022 年由前總統拜登提名的 Cook 涉嫌房貸詐欺，據稱她同時將兩處不同房產登記為主要居所。

Federal Housing Finance Agency Director Bill Pulte, an outspoken critic of Fed Chairman Jerome Powell, publicly accused Cook of mortgage fraud on Aug. 20
and sent a criminal referral to the Justice Department.

聯邦住房金融局局長 Bill Pulte（亦為鮑威爾的公開批評者）於 8 月 20 日公開指控
Cook 涉嫌房貸詐欺，並將此事移送司法部。

Trump quickly called for Cook’s resignation following Pulte’s claims,
writing in a social media post that “Cook must resign, now!!!”

在 Pulte 的指控後，川普迅速呼籲 Cook 辭職，並在社群媒體上寫道：「Cook 必須馬上辭職!!!」

Cook said in a statement the same day that she has “no intention of being
bullied to step down from my position because of some questions raised in a
tweet.”

Cook 當天聲明表示，她「沒有打算因為某條推文提出的質疑而被逼迫辭職。」

Two days later, Trump said he would fire Cook if she did not resign.

兩天後，川普表示，如果 Cook 不辭職，他將解雇她。

Trump’s firing will likely trigger a legal showdown. The Supreme Court could
get involved if a judge allows Cook to continue serving in her role while
legal proceedings play out.

川普的開除舉動可能引發法律對決。如果法院允許 Cook 在訴訟進行期間繼續留任，最高法院可能會介入。

If Trump is ultimately successful in removing Cook, he will be able to
nominate her replacement and reshape the Fed’s governing board for the next
several years. Fed governors typically serve 14-year terms.

若川普最終成功罷免 Cook，他將能任命替代人選，並在未來數年重新塑造聯準會理事會。聯準會理事的任期通常為 14 年。

Two of the seven current Fed governors, Christopher Waller and Michelle Bowman, are Trump appointees.

目前七名聯準會理事中，有兩人（Waller 和 Bowman）是川普任命的。

Another spot opened up earlier this year when Adriana Kugler abruptly steppeddown, giving Trump another seat to fill. He has nominated Stephen Miran, chair of the Council of Economic Advisors, to fill the vacant seat.

今年稍早，Adriana Kugler 突然辭職，給了川普另一個任命名額。他已提名經濟顧問委員會主席 Stephen Miran 填補空缺。

The move exacerbates concerns surrounding the Federal Reserve’s independence
under the Trump administration.

此舉加劇了外界對川普政府下聯準會獨立性的憂慮。

Trump has repeatedly criticized the central bank and its chair for not cutting short-term interest rates.

川普屢次批評聯準會與鮑威爾沒有下調短期利率。

Powell has so far resisted Trump’s pressure, even as the president has
threatened to fire him before his term as chair expires next year.

鮑威爾迄今仍抗拒川普的施壓，即便川普曾威脅要在他明年任期結束前將其開除。

Speaking on Aug. 22 at the central bank’s annual symposium in Jackson Hole,
Wyoming, however, Powell suggested that conditions “may warrant” interest
rate cuts as the Fed proceeds “carefully.”

不過，鮑威爾在 8 月 22 日於懷俄明州傑克森霍爾的央行年度研討會上表示，當前情勢「可能值得」降息，但聯準會會「謹慎」行事。

==
Fox的角度

Trump removes Federal Reserve Governor Lisa Cook from office, citing fraud
allegations
https://tinyurl.com/4fa2u3kw
Published August 25, 2025 8:48pm EDT

President Donald Trump ousted Federal Reserve Governor Lisa Cook on Monday,
alleging she lied on mortgage forms by declaring two primary residences.

美國總統川普週一罷免了聯準會理事 Lisa Cook，指控她在房貸文件上作假，聲稱自己有兩處「主要居所」。

In a letter to Cook, Trump said the Federal Reserve Act provides that she canbe removed at his discretion.

川普在致 Cook 的信中表示，《聯邦儲備法》規定她可依他的裁量被免職。

"As set forth in the Criminal Referral dated August 15, 2025, from Mr. William J. Pulte, Director of the Federal Housing Finance Agency, to Ms. Pamela Bondi, Attorney General of the United States…there is sufficient reason to believe you may have made false statements on one or more mortgage agreements," Trump wrote.

川普寫道：「根據 2025 年 8 月 15 日住房金融局局長 William J. Pulte 送交司法部長 Pamela Bondi 的刑事移送文件，有充分理由相信你在一份或多份房貸協議中作了虛假陳述。」

"For example, as detailed in the Criminal Referral, you signed one document
attesting that a property in Michigan would be your primary residence for thenext year.

「例如，在刑事移送中詳細記載，你在一份文件中聲明密西根州的一處房產會是你未來一年的主要居所。」

Two weeks later, you signed another document for a property in Georgia stating that it would be your primary residence for the next year," Trump continued.

「但兩週後，你又在另一份喬治亞州房產的文件上簽名，聲稱它會是你未來一年的主要居所。」川普繼續說。

"It is inconceivable that you were not aware of your first commitment when
making the second. It is impossible that you intended to honor both."

「你在第二次簽署時不可能不知道第一次的承諾，也不可能打算同時履行兩個承諾。」

Trump wrote that the Federal Reserve has a "tremendous responsibility" to setinterest rates and regulate banks.

川普寫道，聯準會肩負「重大責任」，包括設定利率與監管銀行。

He added that Americans must have full confidence in the honesty of those
setting policy and overseeing the Federal Reserve.

他補充說，美國人民必須對制定政策並監管聯準會的人員的誠信有充分信心。

"In light of your deceitful and potentially criminal conduct in a financial
matter, they cannot, and I do not have such confidence in your integrity,"
Trump wrote.

川普寫道：「鑑於你在金融事務上的欺瞞與可能的犯罪行為，他們不能、而我也不能對你的誠信有信心。」

"At a minimum, the conduct at issue exhibits the sort of gross negligence in
financial transactions that calls into question your competence and
trustworthiness as a financial regulator."

「至少，這種行為展現了在金融交易上的嚴重疏忽，讓人質疑你作為金融監管官員的能力與可信度。」

He concluded ordering her immediate removal from office.

最後他下令立即解除她的職務。

Pulte sent his referral to the DOJ on Wednesday and accused her of having "
falsified bank documents and property records to acquire more favorable loan
terms, potentially committing mortgage fraud under the criminal statute."

Pulte 在週三將此案移送司法部，指控她「偽造銀行文件與房產紀錄，以獲取更優惠的貸款條件，可能已構成刑法上的房貸詐欺。」

Under federal law governing the Federal Reserve system, the president can only remove a sitting governor for cause, which has historically been interpretedas applying to malfeasance or misconduct, rather than policy disagreements.

依據聯準會制度相關的聯邦法律，總統只能因「有原因」而罷免現任理事，而歷來「原因」被解釋為瀆職或不當行為，而非政策分歧。

The president’s action to remove Cook from her role marks the first time in
history that a president has attempted to remove a sitting Federal Reserve
governor, and it could lead to a legal battle.

總統試圖罷免現任聯準會理事，在美國歷史上尚屬首次，此舉可能引發法律戰。

Cook was appointed to the Fed by President Joe Biden in 2022 and was confirmed by the Senate on a party-line vote of 51-47 in September 2023. Her term as aFed governor runs 14 years, from 2024 to 2038.

Cook 由拜登總統於 2022 年提名，2023 年 9 月以參議院黨派分裂表決（51 票對 47 票）獲確認。她的聯準會理事任期為 14 年，自 2024 年至 2038 年。
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偽造主要居所(primary residence) 的常見動機與好處：

較低利率
在美國，主要居所的房貸利率往往比投資性房產低 0.25%～0.5%。
如果 Cook 同時把兩個房產都聲稱是主要居所，就可能用「自住貸款」的低利率買到第二棟房。

較低頭期款 (down payment)
主要居所的貸款通常頭期款要求只需 3%～5%，而投資性房產可能需要 20%～25%。
假如她用「自住名義」，可以少付數萬甚至數十萬美元的頭期款。

稅務優惠 (mortgage interest deduction)
主要居所的房貸利息可以抵稅，投資房則有不同規則。
同時宣稱兩處為「主要居所」可能讓她多享稅務好處。

風險更低
銀行認為自住房風險較低，貸款條件會更寬鬆。

綜合來看，這種行為的「好處」就是 省錢、降低貸款成本、享受稅務優惠。

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