补充一下cnbc最新的新闻 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. 美国总统川普周一在他的 Truth Social 上发表的一封信中宣布，开除联准会理事 Lisa Cook。这是前所未有的举动，也是他对美国央行攻击的重大升级。 “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. 川普在信中写道：「依据美国宪法第二条以及经修正的 1913 年《联邦储备法》，我在此 宣布你立即被解除联准会理事会职务。」 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. 川普此举将联准会推向未知领域，并可能引发一场最终闹上最高法院的法律冲突。 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. 根据 1913 年《联邦储备法》，国会限制了总统单方面开除联准会理事的权力，总统仅能 在「有原因」(for cause) 的情况下这样做。虽然法律未具体定义「原因」为何，但历来 被理解为对官员能否继续履职有严重疑虑。 The Trump administration claims that Cook, who was nominated by former President Joe Biden in 2022, committed mortgage fraud by allegedly naming two different properties as her primary residence at the same time. 川普政府声称，2022 年由前总统拜登提名的 Cook 涉嫌房贷诈欺，据称她同时将两处不 同房产登记为主要居所。 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. 联邦住房金融局局长 Bill Pulte（亦为鲍威尔的公开批评者）於 8 月 20 日公开指控 Cook 涉嫌房贷诈欺，并将此事移送司法部。 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，川普迅速呼吁 Cook 辞职，并在社群媒体上写道：「Cook 必须马上 辞职!!!」 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 当天声明表示，她「没有打算因为某条推文提出的质疑而被逼迫辞职。」 Two days later, Trump said he would fire Cook if she did not resign. 两天後，川普表示，如果 Cook 不辞职，他将解雇她。 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. 川普的开除举动可能引发法律对决。如果法院允许 Cook 在诉讼进行期间继续留任，最高 法院可能会介入。 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. 若川普最终成功罢免 Cook，他将能任命替代人选，并在未来数年重新塑造联准会理事会 。联准会理事的任期通常为 14 年。 Two of the seven current Fed governors, Christopher Waller and Michelle Bowman , are Trump appointees. 目前七名联准会理事中，有两人（Waller 和 Bowman）是川普任命的。 Another spot opened up earlier this year when Adriana Kugler abruptly stepped down, 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 突然辞职，给了川普另一个任命名额。他已提名经济顾问委 员会主席 Stephen Miran 填补空缺。 The move exacerbates concerns surrounding the Federal Reserve’s independence under the Trump administration. 此举加剧了外界对川普政府下联准会独立性的忧虑。 Trump has repeatedly criticized the central bank and its chair for not cutting short-term interest rates. 川普屡次批评联准会与鲍威尔没有下调短期利率。 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. 鲍威尔迄今仍抗拒川普的施压，即便川普曾威胁要在他明年任期结束前将其开除。 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.” 不过，鲍威尔在 8 月 22 日於怀俄明州杰克森霍尔的央行年度研讨会上表示，当前情势 「可能值得」降息，但联准会会「谨慎」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. 美国总统川普周一罢免了联准会理事 Lisa Cook，指控她在房贷文件上作假，声称自己有 两处「主要居所」。 In a letter to Cook, Trump said the Federal Reserve Act provides that she can be removed at his discretion. 川普在致 Cook 的信中表示，《联邦储备法》规定她可依他的裁量被免职。 "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. 川普写道：「根据 2025 年 8 月 15 日住房金融局局长 William J. Pulte 送交司法部 长 Pamela Bondi 的刑事移送文件，有充分理由相信你在一份或多份房贷协议中作了虚假 陈述。」 "For example, as detailed in the Criminal Referral, you signed one document attesting that a property in Michigan would be your primary residence for the next year. 「例如，在刑事移送中详细记载，你在一份文件中声明密西根州的一处房产会是你未来一 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. 「但两周後，你又在另一份乔治亚州房产的文件上签名，声称它会是你未来一年的主要居 所。」川普继续说。 "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." 「你在第二次签署时不可能不知道第一次的承诺，也不可能打算同时履行两个承诺。」 Trump wrote that the Federal Reserve has a "tremendous responsibility" to set interest rates and regulate banks. 川普写道，联准会肩负「重大责任」，包括设定利率与监管银行。 He added that Americans must have full confidence in the honesty of those setting policy and overseeing the Federal Reserve. 他补充说，美国人民必须对制定政策并监管联准会的人员的诚信有充分信心。 "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. 川普写道：「监於你在金融事务上的欺瞒与可能的犯罪行为，他们不能、而我也不能对你 的诚信有信心。」 "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，这种行为展现了在金融交易上的严重疏忽，让人质疑你作为金融监管官员的能力 与可信度。」 He concluded ordering her immediate removal from office. 最後他下令立即解除她的职务。 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 在周三将此案移送司法部，指控她「伪造银行文件与房产纪录，以获取更优惠的贷 款条件，可能已构成刑法上的房贷诈欺。」 Under federal law governing the Federal Reserve system, the president can only remove a sitting governor for cause, which has historically been interpreted as applying to malfeasance or misconduct, rather than policy disagreements. 依据联准会制度相关的联邦法律，总统只能因「有原因」而罢免现任理事，而历来「原因 」被解释为渎职或不当行为，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. 总统试图罢免现任联准会理事，在美国历史上尚属首次，此举可能引发法律战。 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 a Fed governor runs 14 years, from 2024 to 2038. Cook 由拜登总统於 2022 年提名，2023 年 9 月以参议院党派分裂表决（51 票对 47 票 ）获确认。她的联准会理事任期为 14 年，自 2024 年至 2038 年。 -- 伪造主要居所(primary residence) 的常见动机与好处： 较低利率 在美国，主要居所的房贷利率往往比投资性房产低 0.25%～0.5%。 如果 Cook 同时把两个房产都声称是主要居所，就可能用「自住贷款」的低利率买到第二 栋房。 较低头期款 (down payment) 主要居所的贷款通常头期款要求只需 3%～5%，而投资性房产可能需要 20%～25%。 假如她用「自住名义」，可以少付数万甚至数十万美元的头期款。 税务优惠 (mortgage interest deduction) 主要居所的房贷利息可以抵税，投资房则有不同规则。 同时宣称两处为「主要居所」可能让她多享税务好处。 风险更低 银行认为自住房风险较低，贷款条件会更宽松。 综合来看，这种行为的「好处」就是 省钱、降低贷款成本、享受税务优惠。 --

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