Wednesday, 3 September 2025

Analysis of Mortgage Fraud

This morning, I spent an hour reading over mortgage fraud.

IF you prosecute under federal statutes like 18 U.S.C. § 1014 (false statements to financial institutions), 18 U.S.C. § 1341 (mail fraud), 18 U.S.C. § 1343 (wire fraud), or 18 U.S.C. § 1344 (bank fraud).....penalties can be severe.

Average sentences?  Using 2021 data, the U.S. Sentencing Commission reported that 74.1-percent of mortgage fraud offenders received prison sentences with an average of 14 months.  Back in 2018....it was an average of 20-to-24 months.

Misdemeanor cases?  Typically this means a fraud of less than $1k....could go up to one year of prison.

In Cook's case (the Fed Governor)....this looks like a false statement and avoidance of certain taxes on some property.   The fact that no state investigations are going on?   Yeah, that is a odd factor.

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