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.

On The Subject of 'Freaky'

 Since the November 2024 election...one of the hundred-odd subjects that I do study/analysis upon....what really makes up the Democratic Party/voters in 2025?

I've come to the opinion that it's (the party itself) developed into a ragtag group, made up of outcasts, mavericks, freaks, oddballs, and even a motley crew.  There has to be at least twenty-odd groups which seem to fit themselves into the situation. 

If you tried to identify party-platforms and agendas....there must be a minimum of 100 selected 'topics', and it's reached a level where a average non-freak, non-oddball, non-outcast Democrat.....can't really talk themselves into believing the party.

Saying it was designed back in the 1990s, and this is some intellectual modern way of getting the 'herd' to mingle and stay within one single pasture?  Well....one could suggest that.  But it makes little sense.

I'm likely to suggest that 30-percent of the folks voting for the Republicans at present....are  former Democrats (from the 1980s/1990s), or unattached people who feel the D-Party is too much of a nutcase to support.

Where this leads onto for 2028 and 2032?  I don't think the Democratic Party has understood the damage done, and the effect of everything being so politicized.