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Response by Governor Lisa D. Cook to FHFA Criminal Referrals
Lowell & Associates (counsel for Governor Cook) · 2025-11-17
The saved file is a PDF document of 3.5 MB. What follows is the text taken from it, which is the text the story quotes.
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Lowell & Associates, PLLC
1250 H Street NW, Suite 250
Washington, DC 20005
Tel: (202) 964-6110
Fax: (202) 964-6116
Abbe David Lowell, Esq.
ALowellPublicOutreach@lowellandassociates.com
November 17, 2025
VIA CERTIFIED MAIL/E-MAIL
The Honorable Pamela J. Bondi Mr. Edward R. Martin, Jr.
Attorney General of the United States Special Attorney for Mortgage Fraud
Department of Justice Associate Deputy Attorney General
950 Pennsylvania Avenue, NW Director, Weaponization Working Group
Washington, DC 20530 950 Pennsylvania Avenue, NW
Washington, DC 20530
Re: Response by Governor Lisa D. Cook to FHFA Criminal Referrals
Dear Attorney General Bondi and Special Attorney Martin:
As counsel to Federal Reserve Board Governor Lisa D. Cook, after having obtained and
now had sufficient time to review the records and speak with individuals with knowledge about
the topics raised, I write this response to referral letters submitted on August 15, 2025 (the “First
Referral”) and August 28, 2025 (the “Second Referral”) to the Justice Department by the Director
of the U.S. Federal Housing Finance Agency (FHFA), William J. Pulte.1 These “criminal referrals”
claim to be based on a “tip” the FHFA received and sent under the pretense of protecting “the
safety and soundness of FHFA’s regulated entities and the security and stability of the U.S.
mortgage market.”2 Because these letters were prepared with no or minimal research into the
actual facts, and because FHFA provided Governor Cook no details about the allegations and no
opportunity to respond before they were sent and made public, they have been criticized as
pretextual justifications for the President and his allies, including Director Pulte, to investigate
1
Director Pulte made his referrals public to try to pressure Governor Cook to resign—just one of his actions
that we believe violated various statutes and regulations, for which we reserve Governor Cook’s rights. We
are making this response public so that his one-sided and baseless allegations can be debunked.
2
Watch CNBC’s Full Interview With FHFA Director Bill Pulte, CNBC’s Squawk Box (Sept. 4, 2025),
https://www.cnbc.com/video/2025/09/04/watch-cnbcs-full-interview-with-fhfa-director-bill-pulte.html
(Mr. Pulte discussing the tip FHFA received: “Our agency discovered it, Andrew, independent of anyone
else, that’s what we do day in and day out. As I said, we received a tip. We only use public documents in
our referrals, we only use public documents in order to determine the fraud, and frankly people need to stop
being so lazy . . . . [A]s part of a federal investigation, I’m not going to explain our sources and methods,
where we get tips from, who are whistleblowers[.]”).
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anyone whom they view as an obstacle to the administration’s political and economic agenda. The
First and Second Referrals against Governor Cook fail on even the most cursory look at the facts.
Baseless Allegations of “Mortgage Fraud”
At the core of the referrals and allegations of wrongdoing is a fundamental misconception
and purposeful omission. Director Pulte’s letters allege that Governor Cook’s submissions to
mortgage lenders potentially violated four federal criminal statutes: 18 U.S.C. § 1341 (mail fraud);
18 U.S.C. § 1343 (wire fraud); 18 U.S.C. § 1344 (bank fraud); and 18 U.S.C. § 1014 (false
statements to a financial institution). But to convict Governor Cook under any of those statutes,
the government would have to prove beyond a reasonable doubt that she both made false
representations and specifically intended to defraud or influence the actions of the lenders. See
Carpenter v. United States, 484 U.S. 19, 28 (1987) (explaining that Sections 1341 and 1343
“require[] specific intent to defraud”).
Nothing in the referral letters even remotely suggests that the government could carry that
burden because there is no evidence that Governor Cook made false representations or had the
“required specific intent to defraud.” Carpenter, 484 U.S. at 28. Governor Cook had different
principal residences over the years because her distinguished career had taken her to academic
posts at Harvard University and Michigan State University, a postdoctoral fellowship at Stanford’s
Hoover Institution, and a government post at the White House Council of Economic Advisers in
Washington, D.C. This reflects why different mortgage applications accurately reported different
properties as her primary residence at different periods of time. One property that was never her
primary residence was the subject of a mortgage application that truthfully disclosed it would not
be her primary residence but would be used for family visits. There was one stray reference to
primary residence on the mortgage form that was plainly innocuous in light of the several other
truthful and more specific disclosures about the property’s use. There is no fraud, no intent to
deceive, nothing whatsoever criminal or remotely a basis to allege mortgage fraud.
Director Pulte’s two referral letters, based on documents “obtained by” the FHFA, raise
issues across three properties Governor Cook owns: Ann Arbor, Michigan; Atlanta, Georgia; and
Cambridge, Massachusetts. The First Referral alleges two theories of fraud: (1) that Governor
Cook indicated on a line of a mortgage document that the Ann Arbor property is her “primary
residence” even though she does not live there year-round; and (2) that Governor Cook indicated
on a line of a mortgage document that the Atlanta property is her “primary residence” even though
it is a second home and used for vacation. The Second Referral similarly alleges that Governor
Cook previously identified the Cambridge property as a primary residence even though it is now
a vacation or rental property. I will address each property and referral allegation in turn.3
i. Ann Arbor, Michigan Property
Governor Cook’s statements about the Ann Arbor property were true. Governor Cook
purchased the Ann Arbor home in 2005, when she began a full-time job as an Assistant Professor
3
While President Trump’s purported firing “for cause” of Governor Cook was based only on the First
Referral concerning the Michigan and Georgia properties, this response addresses both referrals so that
there is no question that neither provides a plausible basis for criminal charges.
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at Michigan State University (MSU) and moved to Michigan. The 2005 mortgage was a “primary
residence” mortgage. Governor Cook resided primarily at the Ann Arbor property until 2011,
when she briefly relocated to Washington, DC to serve as a Senior Economist at the White House
Council of Economic Advisers (2011-12). Governor Cook returned to her Ann Arbor home in
2012 and continued teaching and doing research at MSU for an additional 10 years. In the spring
of 2021, when Governor Cook refinanced the mortgage on her Michigan home (the loan with
which Director Pulte now takes issue), that property was still her primary residence and she was
still residing in Ann Arbor and employed by MSU. The 2021 “primary residence” mortgage
accurately reflected what it states: the Ann Arbor home has been Governor Cook’s primary
residence for over 17 years. Her homeowners’ insurance at the time also reflected the same
primary status.
As evidence of this fact, in December 2021, when Governor Cook submitted her vetting
and ethics filings to the Government in connection with her nomination to the Federal Reserve
Board, her Standard Form-86 supplemental response denoted the Michigan address as her
“Primary residence” and her Electronic Questionnaire for Investigations Processing (e-QIP)
response denoted the Michigan address as her “current permanent residence.” Exhibits A, B. A
January 18, 2022 Senate Banking Committee questionnaire response also shows that she listed the
Michigan property as her current residence at the time. Exhibit C.
After her confirmation in 2022 and once it became clear that Governor Cook would be
spending significantly more time in Washington, DC due to her full-time role as a Board governor,
she obtained proper insurance in order to rent out her Michigan home. Since May 2022, Governor
Cook has been on unpaid leave from MSU while serving on the Federal Reserve Board, with the
intention to return to MSU and to her primary residence in Ann Arbor after the post ends.
Additionally, beginning in 2022, she obtained her first of three local licenses to be able to
rent out the Michigan home, as permitted by local law. In 2023, 2024, and 2025, as she spent more
time in Washington, DC and Atlanta, Georgia, Governor Cook continued to rent out the Michigan
property pursuant to city-authorized rental licenses in Ann Arbor (Exhibit D), which she intends
to do until her tenure as a Federal Reserve Board Governor ends.
Those short-term rentals did not, however, alter the status of the property as her primary
residence. Indeed, a Michigan city official (City Assessor Jerry Markey) recently explained that
“[l]iving elsewhere temporarily does not necessarily make an owner ineligible for a principal
residence exemption,” and that the city of Ann Arbor has “no reason to believe” that Governor
Cook violated property tax rules in connection with her Michigan home.4 For the same reason,
Governor Cook accurately stated in her 2025 financial disclosure that the Ann Arbor property was
still her personal residence despite it being rented out for now. Exhibit E.
Accordingly, Director Pulte’s claim that Governor Cook committed fraud by listing the
Ann Arbor property as her “primary residence” is baseless because that listing was true.
4
Chris Prentice & Marisa Tayloe, Exclusive: No Evidence Of Primary Residence Violation By Fed Gov
Lisa Cook, Says Michigan Official, Reuters (Sept. 15, 2025), https://www.reuters.com/world/us/no-
evidence-primary-residence-violation-by-fed-gov-lisa-cook-says-michigan-2025-09-16.
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ii. Atlanta, Georgia Property
There is no evidence that, when Governor Cook signed a mortgage application listing the
Atlanta property as her “Primary Residence,” she intended to defraud the lender. Governor Cook
was raised in Milledgeville, Georgia, where her family owned a home for decades. After her
family sold its jointly-owned family home in Milledgeville in 2021, Governor Cook wanted to
have her own place to stay when she would come home to visit family. So that same year (July
2021), Governor Cook purchased a condo unit in Atlanta in order to have a permanent place to
reside in the area to, among other reasons, be proximate to her family. One line on the mortgage
application for her Atlanta apartment listed the property as her “Primary Residence.”
However, context makes clear that the listing of the Atlanta property as a “Primary
Residence” was at most an inadvertent notation. A separate, contemporaneous May 28, 2021 loan
document provided to the same lender clearly states the Atlanta condo’s “Property Use” as a
“Vacation Home.”5 Exhibit F. Because Governor Cook submitted that document to the lender as
well, it would be impossible to conclude that she intended to defraud the lender by inadvertently
listing the property as her “Primary Residence” elsewhere. Other documents similarly show that
the “Primary Residence” listing was an isolated notation—not an intentional scheme to defraud.
For instance, in her December 2021 Standard Form-86 supplemental response she listed the
Atlanta address as her “2nd Home”—as compared to the Ann Arbor address, which was listed as
her “Primary residence.” Exhibit A. Furthermore, in her annual financial disclosures, Governor
Cook accurately lists the Atlanta condo as a “personal residence” mortgage (as the form does not
distinguish between primary and secondary homes). Exhibit E.
In sum, there is no evidence that Governor Cook had the “required specific intent to
defraud.” Carpenter, 484 U.S. at 28. While the First Referral focuses on one line on one document
that Director Pulte claims misstated the property’s purpose, the complete package of Governor
Cook’s materials clearly demonstrates that this does not amount to the type of criminal wrongdoing
that Director Pulte and the President state it to be. Governor Cook’s loan documents made clear
her intended uses and, therefore, were not submitted with an intent to mislead the lender or anyone
else. In cherry-picking one line from one document, Director Pulte has ignored critical context—
and in doing so, has misled the public and DOJ in his postings of incomplete mortgage documents
on social media.
iii. Cambridge, Massachusetts Property
Governor Cook became a first-time homebuyer in Cambridge in 2002. When she originally
obtained her mortgage on the Cambridge property, she accurately stated that it was her primary
residence, having begun her career as an academic economist at Harvard University in 1997.
While employed by Harvard, she lived in Cambridge, and the Cambridge property remained her
5
See Chris Prentice & Marisa Taylor, Exclusive: Fed Governor Cook Declared Her Atlanta Property As
“Vacation Home,” Documents Show, Reuters (Sept. 13, 2025), https://www.reuters.com/world/us/fed-
governor-cook-declared-her-atlanta-property-vacation-home-documents-show-2025-09-13/.
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primary residence until she accepted a tenure-track assistant professor position at MSU and
purchased the home in Michigan in 2005.6 There is nothing improper about that.
In 2021, Governor Cook refinanced and converted the property to a second home mortgage
with a Second Home Rider, see Exhibit G, as she had been living away from Cambridge and was
renting out the home for most of the calendar year by this point. The bank approved that Rider.
Governor Cook still spends a few weeks each summer at the Cambridge home—making it a
“second home” for mortgage purposes. Various vetting documents submitted to the Government
in December 2021 in connection with her nomination to the Federal Reserve Board indicate that
she listed the Cambridge home as a “second home and rental property” (e-QIP Form), an
“investment property and summer home” (SF-86 Supplemental Responses), and a “second home”
(Condo Questionnaire). Exhibits A, B, H. These filings again accurately describe her use of the
property. She continues to maintain rental property insurance for this property to this day.
Once again, Director Pulte offers no evidence indicating that Governor Cook had the
“required specific intent to defraud” in relation to the Cambridge property. Carpenter, 484 U.S.
at 28. On the contrary, when Governor Cook refinanced the Cambridge property, she updated the
mortgage to reflect that it was no longer her primary residence and indicated the same in her federal
disclosures.
Director Pulte’s Weaponization of FHFA and His Ignorance Toward Similar Allegations
Against Republicans and Other Individuals
The lack of an accurate factual basis to make the referrals was exacerbated by the haste in
which they were made, the failure to provide Governor Cook with any notice or opportunity to
respond before they were sent, and their public disclosure. Together, Director Pulte’s actions
indicate they were timed as a response to the President’s desire to change the makeup of the Federal
Reserve Board so he could dictate an interest rate cut, thus undermining the independence of the
Federal Reserve on matters related to monetary policy. That context further undercuts the basis
for the referral.
Director Pulte’s decision to use the FHFA to selectively—and publicly—investigate and
target the President’s designated political enemies gives rise to the unmistakable impression that
he has been improperly coordinating with the White House to manufacture flimsy predicates to
launch these probes. Recent reporting indicates that “Pulte remains close with the President and
has direct access that aides have not been able to control.”7 The same report even noted that
“[President] Trump isn’t just Pulte’s biggest ally in the admin, he is perhaps his only friend.”
6
From 2002 to 2005, she lived at a rented home on an ad hoc basis while doing a postdoctoral national
fellowship at Stanford, still intending to return to Cambridge when her research assignment was over.
7
Dasha Burns & Sophia Cai, ‘Sold POTUS a bill of goods’: White House furious with Pulte over 50-year
mortgage, Politico (Nov. 10, 2025), https://www.politico.com/news/2025/11/10/trumps-50-year-mortgage-
plan-is-getting-panned-allies-blame-this-man-00645654 (“‘Anything that goes before POTUS needs to be
vetted, . . . And a lot of times with Pulte they’re not. He just goes straight up to POTUS.’”).
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Director Pulte has proclaimed, “[i]f somebody is claiming two primary residences, that is
not appropriate, and we will refer it for criminal investigation,”8 and has stated, “[d]o not declare
two principal residences in President Trump’s America. Mortgage fraud is a serious crime and
must be prosecuted as such.”9 He added in a CNBC interview, “[i]t doesn’t matter whether you’re
a Republican or a Democrat, or a Fed Governor or somebody who mans a convenience store. If
you commit mortgage fraud, you need to be held accountable, period.”10 That is the standard he
has declared in the Trump administration.
His actions undercut his words. If one seemingly facial contradiction about several
property documents were the basis for the mortgage fraud he claims, then one would expect that
he would have made referrals to you based on the same types of documents about others who
appear to have claimed similar or analogous primary residences for more than one home. Yet,
Director Pulte has ignored many of those allegations. The similar “tips” he surely would have
received but which have seemingly escaped his referral practice share a commonality—they
involve Trump-aligned Republicans and his own immediate family. Recent reporting and a review
of documents indicate Treasury Secretary Scott Bessent himself made the same “contradictory”
representations of having a “principal residence” at two separate homes, one in New York and one
in Massachusetts, at the same time in 2007.11 Reporting has also revealed that three other
members of President Trump’s cabinet—Labor Secretary Lori Chavez-DeRemer; Transportation
Secretary Sean Duffy; and Environmental Protection Agency administrator Lee Zeldin—made
similar such representations about primary residences on their mortgage filings.12 Director Pulte
has ignored all these allegations and there has been no reporting or posting by him of a criminal
referral in either case. President Trump’s using Director Pulte’s allegations as his basis to try to
remove Governor Cook is noteworthy, as he has not fired or asked for the resignation of these
officials in his administration.
In Texas, Attorney General Ken Paxton is also reported to have declared simultaneous
primary residences, across three separate homes, for mortgage purposes: “Mortgages signed by
the Paxtons contained inaccurate statements declaring that each of those three houses was their
primary residence, enabling the now-estranged couple to improperly lock in low interest rates,”
and “records also revealed that the Paxtons collected an improper homestead tax break on two of
8
Transcript of Erin Burnett Outfront, CNN (Sept. 18, 2025),
https://transcripts.cnn.com/show/ebo/date/2025-09-18/segment/01.
9
@pulte (Aug. 20, 2025), https://x.com/pulte/status/1958158594374873358.
10
Watch CNBC’s full interview with FHFA Director Bill Pulte, CNBC (Sept. 4, 2025),
https://www.cnbc.com/video/2025/09/04/watch-cnbcs-full-interview-with-fhfa-director-bill-pulte.html.
11
Anthony Cormier et al., Bessent, Like Fed Governor, Made Contradictory Mortgage Pledges, Bloomberg
(Sept. 17, 2025), https://www.bloomberg.com/news/articles/2025-09-17/bessent-like-fed-governor-made-
contradictory-mortgage-pledges.
12
Robert Faturechi et al., Trump Is Accusing Foes With Multiple Mortgages of Fraud. Records Show 3 of
His Cabinet Members Have Them, ProPublica (Sept. 4, 2025), https://www.propublica.org/article/trump-
cabinet-mortgage-fraud.
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those homes at the same time.”13 Yet, Attorney General Paxton has not received an iota of scrutiny
from the FHFA Director or the Justice Department.
A recent news article also reported that Deputy Attorney General Todd Blanche made
mortgage applications for two homes in 2020, and “[b]ased on available documents, neither of the
homes were specified as second homes or other kinds of properties.”14 We have seen no reporting
that Director Pulte or you is looking into that, and certainly not doing so publicly.
And even Director Pulte’s immediate relatives are alleged to have done the same—
declaring the same mortgage status on two homes in two different states at the same time.15 Yet
again, there has been no allegation from Director Pulte about a criminal referral of his own family.
Director Pulte’s partisan use of the criminal referral process also undercuts the basis for the
referrals he made concerning Governor Cook.16
Director Pulte’s Other Improper Conduct Demonstrating Bias and Prejudice
Further evidence of the referral’s lack of a real basis is the length to which—and again the
haste with which—Director Pulte has pursued Governor Cook (and those Democratic office
holders he has targeted). In doing so, Director Pulte has removed anyone within the Agency whom
he perceives as an obstacle or opponent to his misusing the FHFA for political reasons. Earlier
this month, he fired FHFA’s acting Inspector General, Joe Allen, whom Pulte had bypassed
altogether in pursuing the criminal referrals against Governor Cook (and others).17 Pulte removed
the acting IG after he made efforts to provide key discovery to federal prosecutors in the Eastern
District of Virginia in the case brought against New York Attorney General Letitia James following
13
Report: Texas AG Ken Paxton Claimed Three Homes As Primary Residence, CBS News (July 24, 205),
https://www.cbsnews.com/texas/news/ken-angela-paxton-mortgage-primary-residence-homestead-
exemption/; Pooja Salhotra, Ken Paxton Claimed Three Houses as His Primary Residence, Records Show,
N.Y. Times (July 24, 2025), https://www.nytimes.com/2025/07/24/us/politics/ken-paxton-mortgage.html.
14
Rachel Siegel et al., Trump Targets Enemies Using Mortgage Records, A Threat To D.C. Elite, Wash. Post
(Oct. 24, 2025), https://www.washingtonpost.com/business/2025/10/24/washington-politicians-mortgage-
scrutiny-trump/.
15
Marisa Taylor, Chris Prentice & Mike Colias, Exclusive: Bill Pulte accused Fed Governor Lisa Cook of
fraud. His relatives filed housing claims similar to hers, Reuters (Sept. 5, 2025),
https://www.reuters.com/world/us/bill-pulte-accused-fed-governor-lisa-cook-fraud-his-relatives-filed-
housing-2025-09-05/.
16
And just last week, Director Pulte did it again. Based on nothing more than the listing of two properties,
he made a criminal referral against another adversary of President Trump – Democratic Congressman Eric
Swalwell. See Katherine Doyle, Trump Official Refers Rep. Eric Swalwell For A Federal Criminal Probe
Over Alleged Mortgage Fraud, NBC News (Nov. 13, 2025), https://www.nbcnews.com/politics/trump-
administration/trump-administration-eric-swalwell-federal-criminal-probe-mortgage-rcna243518. He did
this despite all the reporting that has pointed out anomalies among Republican mortgage applicants.
17
Sarah N. Lynch et al., Exclusive: Trump ousts watchdog of US housing regulator involved in mortgage
probes of his foes, sources say, Reuters (Nov. 3, 2025), https://www.reuters.com/world/us/watchdog-being-
ousted-us-housing-regulator-involved-trump-crackdown-sources-say-2025-11-03/ (“Pulte bypassed
Inspector General in pursuing cases against Trump foes”).
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Pulte’s referral.18 Allen’s ouster also came as he was preparing to send a letter to Congress
notifying lawmakers that the FHFA was not cooperating with the inspector general’s office,
according to sources.19
Recent reporting also indicates Director Pulte fired internal watchdogs at the Federal
National Mortgage Association (Fannie Mae) who were looking into multiple complaints against
a high-ranking company officer who reportedly was a close personal ally of Director Pulte.20
Sources familiar with the terminations said those firings effectively cleared out the internal
watchdogs, charged with ensuring Fannie Mae and its officials follow the law, including a directive
to cease looking into the Director’s ally. Other top Fannie Mae officials have also been terminated
amid broader disputes with Director Pulte, such as Fannie’s general counsel and its head of single-
family business.21
The Wall Street Journal’s latest reporting even reveals that “Fannie Mae watchdogs who
were removed from their jobs had been probing if [Director] Pulte had improperly obtained
mortgage records of key Democratic officials,” according to sources familiar.22 If the reporting is
accurate, senior FHFA officials had improperly directed staff “to access the mortgage documents”
of Director Pulte’s partisan targets. Before being fired, Fannie Mae ethics investigators had been
probing to determine exactly who had made the orders and whether Director Pulte had the authority
to seek the documents.23 The answers would stand as a stunning deviation from his claim that
these allegations were first received via an independent “tip” to FHFA.
All of this comes as Director Pulte’s power over the mortgage lending industry has grown
dramatically, but in an unusual way. Not long after his Senate confirmation as head of the FHFA,
Pulte removed 14 members of the board of directors of both Fannie Mae and Freddie Mac and
installed himself as chairman of the two entities (Fannie Mae and Freddie Mac).24 No reason was
given for the firings or why he chose to appoint himself to those roles.
Reporting indicates that, at Director Pulte’s direction, a top Fannie Mae executive provided
confidential mortgage pricing data from Fannie Mae to a principal competitor, which alarmed
18
Id.
19
Id.
20
Rachel Siegel, Housing official Bill Pulte fired ethics workers who were looking into his ally, Wash. Post
(Nov. 10, 2025), https://www.washingtonpost.com/business/2025/11/10/bill-pulte-fannie-mae-firing-
ethics/.
21
Brian Schwartz et al., Trump Administration Fires Fannie Mae Ethics Officials, Wall St. J. (Oct. 30,
2025), https://www.wsj.com/politics/policy/trump-administration-fires-fannie-mae-ethics-officials-
88a0684a.
22
Gina Heeb, Fannie Mae Watchdogs Probed How Pulte Obtained Mortgage Records of Key Democrats,
Wall St. J. (Nov. 11, 2025), https://www.wsj.com/finance/regulation/fannie-mae-watchdogs-probed-how-
pulte-obtained-mortgage-records-of-key-democrats-07c5cc39.
23
Id.
24
Brian Slodysko, Top Fannie Mae Officials Ousted After Sounding Alarm On Sharing Confidential
Housing Data, Assoc. Press (Nov. 13, 2025), https://apnews.com/article/fannie-mae-freddie-mac-firing-
pulte-data-a4f8c53df74fef83ec7fd07e3d524746.
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senior Fannie Mae officials “who warned it could expose the company to claims that it was
colluding with a rival to fix mortgage rates.”25 According to emails reviewed by the AP, Fannie
Mae executives allegedly were shocked about what one called a “very problematic” disclosure of
data by its head of marketing, who was supposedly acting at Director Pulte’s direction.26 This is
just the latest instance in Director Pulte’s troubling and improper use of Fannie Mae data to achieve
his political and personal ambitions.
These improprieties by Director Pulte may be grounds for your agency or others in the
government to review his conduct, but, in the context of this letter, I am pointing them out because
they undercut his criminal referrals concerning Governor Cook which became the President’s
reason for trying to remove her from the Board of Governors.
* * *
In sum, Director Pulte’s referrals clearly omit numerous key records (which we have
included as exhibits to this letter) that refute the allegations of impropriety. The full record makes
clear that what he claims to be contradictions in loan applications were not contradictions at all
but were cherry-picked, incomplete snippets of the full documents submitted at the time and in
subsequent filings by Governor Cook consistent with her applications. The referrals are baseless
and should not have been made in the first place; they should not have been the basis for President
Trump to seek Governor Cook’s removal from the Board; and they should not warrant any further
investigation.
We would be glad to go over the full record of Governor Cook’s proper conduct if DOJ is
interested.
Sincerely,
Abbe David Lowell
Counsel for Governor Lisa D. Cook
25
Id.
26
Id.
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Exhibits
November 17, 2025
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Exhibit A
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Biden-Harris Administration SF-86 Supplemental Questions
1. Please list names of all (a) corporations, firms, partnerships, or other business enterprises,
(b) nonprofit organizations, (c) other institutions with which you are now, or during the past 10
years, have been affiliated as an officer, owner, director, trustee, or partner.
2. Have you or your spouse ever registered as an agent for, performed work for, received any
payments from and/or made any payments to, any foreign government, foreign-headquartered
business, or nonprofit organization with any foreign government ownership? If so, please detail.
3. List any professional licenses/memberships you currently hold or previously held, such as bar
associations, medical license, real estate license, etc.
4. List any instances in which you have ever been disciplined or cited for a breach of ethics or
unprofessional conduct by, or been the subject of a complaint to, any court, administrative
agency, professional association, disciplinary committee, or other professional group,
5. Please list all of your interests in real property, including additional homes, vacation homes,
rental properties, and interests in trusts that may hold property.
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Primary residence: , Ann Arbor, MI 48103
2 home:
nd
, Atlanta, GA 30309
Investment property and summer home: , Cambridge, MA 02140
Investment property sold in 2021 : ,
Milledgeville, GA 31061
6. Has a tax lien or other collection procedure ever been instituted against you or your spouse by
federal, state, or local authorities? If so, please detail.
7. Have you ever been convicted of a criminal violation of any Federal, state, county, or municipal
law, regulation or ordinance (excluding traffic, parking, and speeding offenses if the fine for an
individual offense was less than $300 and the offense did not involve alcohol or drugs)? If so,
please detail.
8. Has any firm, company, or other entity in which you served as an officer, director, or executive
ever been convicted of a violation of any Federal, state, county, or municipal law, regulation, or
ordinance while you were employed there, or subsequently convicted based on conduct that
occurred while you were employed there? If so, please detail.
9. To your knowledge, have any formal complaints or claims of harassment, discrimination, or
retaliation ever been made against you to an employer or any other entity with which you may
have been affiliated (e.g., as a contractor, consultant, or volunteer)? If so, please detail.
10. To your knowledge, has any employee directly supervised by you been reprimanded,
sanctioned, or otherwise disciplined for any claim of workplace misconduct that you (a) were in
a position to prevent and did not (through action or inaction), or (b) failed to respond to with
remedial action? If so, please detail.
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11. Have you ever run for or been elected to political office, served as a treasurer on a political
committee, or been identified in a public way with a particular candidate? Please detail any
complaints lodged against you in any such capacity with the Federal Election Commission or
state or local election authorities.
12. Have you ever belonged to any social club or organization which currently restricts — or
restricted at the time of your affiliation — membership on the basis of sex, race, color, religion,
national origin, age, or handicap? If so, please detail, and indicate your efforts to change the
restrictive policy.
13. Please identify any adults (18 years or older) currently living with you who are not members of
your immediate family (e.g., roommates or household employees) and indicate whether they
are U.S. citizens.
14. Do you pay appropriate taxes for any household or domestic employees?
.
15. Have you ever paid late or had lapses in payment of child support and/or alimony owed by you?
16. Is there anything in your personal life that could be used by someone to coerce or blackmail you
or is there anything in your life that could cause an embarrassment to you or the President if
publicly known?
DATE:
December 3, 2021
PRINT NAME:
Lisa D. Cook
SIGNATURE:
---
<!-- page 15 -->
_____________________
---
<!-- page 16 -->
Exhibit B
---
<!-- page 17 -->
Electronic Questionnaires for Investigations Processing (e-QIP) Page 1 of 47
Investigation Request #33981880 for Applicant SSN Archival Copy
Electronic Questionnaires for Investigations Processing (e-QIP)
Investigation Request #33981880
ARCHIVAL COPY - RETAIN FOR YOUR RECORDS
The information contained in this document represents data submitted by Lisa DeNell Cook
(Applicant) for the e-QIP Investigation Request #33981880. Applicant certified the accuracy of this
information at 2021-12-04 01:44:53.
This Investigation Request contains the following documents:
Page 1: Investigation Request Cover Sheet
Page 2-47: Questionnaire For National Security Positions
Note: To conserve paper only the first entry in multiple-entry lists displays completion instructions.
The completion instructions for the first entry also applies to each additional entry unless otherwise
noted.
Certified at 2021-12-04 01:44:53 PRIVACY ACT INFORMATION
Data Hash Code:
---
<!-- page 18 -->
Electronic Questionnaires for Investigations Processing (e-QIP) Page 6 of 47
Investigation Request #33981880 for Applicant SSN Archival Copy
Section 8 - U.S. Passport Information
Section 9 - Citizenship
Section 10 - Dual/Multiple Citizenship Information
Section 11 - Where You Have Lived
List the places where you have lived beginning with your present residence and working back 10 years.
Residences for the entire period must be accounted for without breaks. Indicate the actual physical location of
your residence, not a Post Office box or a permanent residence when you were not physically located there. If
you split your time between one or more residences during a time period, you must list all residences. Do not list
residence before your 18th birthday unless to provide a minimum of 2 years residence history.
You are not required to list temporary locations of less than 90 days that did not serve as your permanent or
mailing address.
For any address in the last 3 years, provide a person who knew you at that address, and who preferably still lives
in that area. Do not list people who knew you for residences completely outside this 3-year period, and do not list
your spouse, cohabitant or other relatives as the verifier for periods of residence.
Certified at 2021-12-04 01:44:53 PRIVACY ACT INFORMATION
Data Hash Code:
---
<!-- page 20 -->
Electronic Questionnaires for Investigations Processing (e-QIP) Page 8 of 47
Investigation Request #33981880 for Applicant SSN Archival Copy
Street:
City: Ann Arbor State: MI Country: Zip Code: 48103
Person Who Knew You
Provide the full name
Last: First: Middle: (NMN) Suffix:
Provide date of last contact
Month/Year: 11/2021
Provide your relationship to this person (check all that apply)
Neighbor: { x }
Friend: { x }
Landlord: { }
Business associate: { }
Other (Provide explanation): { }
Explanation
Friend and colleague
Provide evening telephone number for this person ( I don't know: { } )
International or DSN: { } Number: Extension: 832
Provide daytime telephone number for this person ( I don't know: { x } )
International or DSN: { } Number: Extension:
Provide cell/mobile telephone number for this person ( I don't know: { } )
International or DSN: { } Number: Extension:
Provide e-mail address for this person ( I don't know: { } ) :
Provide street address for this person (including apartment number)
Street:
City: Ann Arbor State: MI Country: Zip Code: 48108
Provide dates of residence
3.
From (Month/Year): 08/2002 To (Month/Year): Present
Is/was this residence
Owned by you: { x }
Rented or leased by you: { }
Military housing: { }
Other (Provide explanation): { }
Explanation
This was the first home I purchased, which is now a second home and rental property.
Provide the street address
Street:
City: Cambridge State: MA Country: Zip Code: 02140
Person Who Knew You
Provide the full name
Last: First: Middle: (NMN) Suffix:
Provide date of last contact
Month/Year: 11/2021
Provide your relationship to this person (check all that apply)
Neighbor: { }
Friend: { x }
Landlord: { }
Business associate: { x }
Other (Provide explanation): { }
Explanation
This is a friend and professional acquaintance in the Boston area.
Certified at 2021-12-04 01:44:53 PRIVACY ACT INFORMATION
Data Hash Code:
f3f8bf8fcde09647a91d8960c90d3c7bfe1bfd9f224c146c5c6b086b6f5477ea
---
<!-- page 22 -->
Exhibit C
---
<!-- page 24 -->
STATEMENT FOR COMPLETION BY PRESIDENTIAL NOMINEES
Name: Cook Lisa DeNell
(Last) (First) (Other)
Position to which nominated: Federal Reserve Board of Governors
Date of nomination: January 13, 2022
City of Residence: Ann Arbor, Michigan
Education*: Institution Dates Attended Degrees Received Dates of Degree
Dates Dates of
Education Attended Degrees Received Degree
Spelman College 8/82-5/86 BA 5/86
University of Oxford 10/86-6/88 BA 7/88
Université Cheikh Anta Diop de
Dakar 10/88-5/89 N/A N/A
Georgia College and State
University 9/89-12/89 N/A N/A
Georgia Institute of Technology 1/90-5/90 N/A N/A
University of Maryland, College
Park 1/91-5/91 N/A N/A
University of California, Berkeley 8/91-7/97 PhD 12/97
*Nominees should provide information for all institutions attended, whether or not the nominee was granted a
degree by the institution
Honors and awards: List below all scholarships, fellowships, honorary degrees, military medals, honorary
society memberships and any other special recognitions for outstanding service or
achievement.
IP Champion Award, Intellectual Property Owners Education Foundation, December 2021
Edison Scholar, United States Patent and Trademark Office, 2020-
Federal Reserve Bank of Chicago Board of Directors, Elected 2021
Federal Reserve Bank of Chicago Academic Advisory Board, 2021-
2
---
<!-- page 26 -->
Exhibit D
---
<!-- page 28 -->
Exhibit E
---
<!-- page 29 -->
OGE Form 278e (Updated 08/2024) (Expires 08/31/2027)
U.S. Office of Government Ethics; 5 C.F.R. part 2634 | Form Approved: OMB No. (3209-0001)
Report Type: Annual Report
Year (Annual Report only): 2025
Date of Appointment: 02/2024
Date of Termination:
Appointment Type: PAS
Executive Branch Personnel
Public Financial Disclosure Report (OGE Form 278e)
Filer's Information
Cook, Lisa D
Governor, Board of Governors of the Federal Reserve System
Report Year: 2025
Other Federal Government Positions Held During the Preceding 12 Months:
Governor, Board of Governors of the Federal Reserve System (5/2022 - Present)
Electronic Signature - I certify that the statements I have made in this form are true, complete and correct to the best of my knowledge.
/s/ Cook, Lisa D [electronically signed on 06/15/2025 by Cook, Lisa D in Integrity.gov] - Filer received a 31 day filing extension.
Agency Ethics Official's Opinion - On the basis of information contained in this report, I conclude that the filer is in compliance with applicable laws and regulations (subject to
any comments below).
Cook, Lisa D - Page 1
---
<!-- page 30 -->
/s/ Croston, Sean, Certifying Official [electronically signed on 07/11/2025 by Croston, Sean in Integrity.gov]
Other review conducted by
/s/ Syme, Lorna, Ethics Official [electronically signed on 07/11/2025 by Syme, Lorna in Integrity.gov]
U.S. Office of Government Ethics Certification
/s/ Granahan, Megan, Certifying Official [electronically signed on 07/30/2025 by Granahan, Megan in Integrity.gov]
Data Revised 07/08/2025
Cook, Lisa D - Page 2
---
<!-- page 31 -->
1. Filer's Positions Held Outside United States Government
# ORGANIZATION NAME CITY, STATE ORGANIZATION POSITION FROM TO
TYPE HELD
1 Michigan State University See Endnote East Lansing, University/Colleg Professor 8/2005 Present
Michigan e
2. Filer's Employment Assets & Income and Retirement Accounts
# DESCRIPTION EIF VALUE INCOME TYPE INCOME
AMOUNT
1 Teachers Retirement System of GA, defined See Endnote N/A Retirement $279
benefit plan (beneficiary) Payments
(monthly)
2 Employees Retirement System of GA, defined See Endnote N/A Retirement $555
benefit plan (beneficiary) Payments
(monthly)
3 Michigan State University No
3.1 Fidelity 403b No
3.1.1 VANG INST TR 2030 Yes $500,001 - None (or less
$1,000,000 than $201)
3.2 TIAA 403b No
3.2.1 Vanguard Institutional Target Retirement 2030 Yes $1,001 - $15,000 None (or less
Fund Institutional Class Shares (VTTWX) than $201)
3.3 TIAA 457b No
3.3.1 Vanguard Institutional Target Retirement 2030 Yes $15,001 - None (or less
Fund Institutional Class Shares (VTTWX) $50,000 than $201)
3.4 Fidelity 457b No
Cook, Lisa D - Page 3
---
<!-- page 32 -->
# DESCRIPTION EIF VALUE INCOME TYPE INCOME
AMOUNT
3.4.1 Vanguard Institutional Target Retirement 2030 Yes $15,001 - None (or less
Fund Institutional Class Shares (VTTWX) $50,000 than $201)
4 Harvard University No
4.1 TIAA 403b No
4.1.1 CREF Global Equities Yes $1,001 - $15,000 None (or less
than $201)
4.1.2 Vanguard Institutional Target Retirement 2030 Yes $15,001 - None (or less
Fund Institutional Class Shares (VTTWX) $50,000 than $201)
4.2 TIAA 457b No
4.2.1 Vanguard Institutional Target Retirement 2030 Yes $1,001 - $15,000 None (or less
Fund Institutional Class Shares (VTTWX) than $201)
5 National Bureau of Economic Research No
5.1 401a No
5.1.1 Vanguard LifeStrategy Moderate Growth Fund Yes $1,001 - $15,000 None (or less
Investor Shares (VSMGX) than $201)
3. Filer's Employment Agreements and Arrangements
# EMPLOYER OR PARTY CITY, STATE STATUS AND TERMS DATE
1 Michigan State University East Lansing, Currently taking three year unpaid leave of absence 5/2022
Michigan from the University, which has been extended by an
additional year.
2 Teachers Retirement System of GA Atlanta, Georgia I will continue to participate in this defined benefit plan. 9/1986
3 Employees Retirement System of GA Atlanta, Georgia I will continue to participate in this defined benefit plan. 12/1998
4 Michigan State University East Lansing, I will continue to participate in these defined contribution 8/2006
Michigan plans. The plans' sponsor ceased making contributions
upon my leave of absence.
Cook, Lisa D - Page 4
---
<!-- page 33 -->
# EMPLOYER OR PARTY CITY, STATE STATUS AND TERMS DATE
5 Harvard University CAMBRIDGE, I will continue to participate in this 457b plan, but the 8/1997
Massachusetts employer ceased making contributions upon my
separation.
6 National Bureau of Economic Research CAMBRIDGE, I will continue to participate in this defined contribution 3/2020
Massachusetts plan. The plan sponsor ceased making contributions
after my separation.
7 Harvard University Cambridge, I will continue to participate in the 403b plan, but the 8/1997
Massachusetts employer ceased making contributions upon my
separation.
4. Filer's Sources of Compensation Exceeding $5,000 in a Year
(N/A) - Not required for this type of report
5. Spouse's Employment Assets & Income and Retirement Accounts
None
6. Other Assets and Income
# DESCRIPTION EIF VALUE INCOME TYPE INCOME
AMOUNT
1 U.S. Brokerage account No
1.1 ISHARES S&P MIDCAP 400 INDEX FUND Yes $1,001 - $15,000 None (or less
than $201)
1.2 LORD ABBETT INTERMED TAX FREE Yes $1,001 - $15,000 None (or less
CLASS I than $201)
1.3 LORD ABBETT SHORT DURATION INCOME Yes $1,001 - $15,000 $201 - $1,000
CL I
Cook, Lisa D - Page 5
---
<!-- page 34 -->
# DESCRIPTION EIF VALUE INCOME TYPE INCOME
AMOUNT
1.4 PGIM ETF TR ULTRA SHORT Yes $1,001 - $15,000 None (or less
than $201)
1.5 First Trust Rising Dividend Achievers ETF Yes $1,001 - $15,000 $1,001 - $2,500
(RDVY)
1.6 SCHWAB US BROAD MARKET ETF Yes $15,001 - $2,501 - $5,000
$50,000
1.7 SCHWAB US LARGE-CAP GROWTH ETF Yes $1,001 - $15,000 $2,501 - $5,000
1.8 VANGUARD SPECIALIZED FUNDS DIV APP Yes $1,001 - $15,000 $2,501 - $5,000
ETF
1.9 VANGUARD MID-CAP VALUE INDEX FUND Yes $1,001 - $15,000 $201 - $1,000
1.10 VANGUARD INDEX FDS VANGUARD Yes $1,001 - $15,000 $1,001 - $2,500
VALUE ETF
1.11 iShares Core MSCIEmerging Markets ETF Yes $1,001 - $15,000 None (or less
(IEMG) than $201)
1.12 iShares Core S&P Mid-Cap ETF (IJH) See Endnote Yes $1,001 - $15,000 $2,501 - $5,000
2 US bank #1 (cash) N/A $1,001 - $15,000 None (or less
than $201)
3 Estate of a family member (value not readily N/A None (or less
ascertainable) than $201)
4 Residential rental investment property, N/A $500,001 - Rent or Royalties $50,001 -
Cambridge, MA $1,000,000 $100,000
5 Residential rental property, Ann Arbor, MI N/A $500,001 - Rent or Royalties $2,501 - $5,000
$1,000,000
7. Transactions
Cook, Lisa D - Page 6
---
<!-- page 35 -->
# DESCRIPTION TYPE DATE AMOUNT
1 First Trust VI Rising Dividend (RDVY) Sale $1,001 - $15,000
(multiple)
2 iShares Core S&P Mid-Cap (IJH) (multiple) Sale $1,001 - $15,000
3 Schwab US Broad Market (SCHB) (multiple) Sale $1,001 - $15,000
4 Schwab US Large-Cap Growth (SCHG) Sale $1,001 - $15,000
(multiple)
5 Vanguard Value (VTV) (multiple) Sale $1,001 - $15,000
6 Vanguard Mid-Cap Value Index (VOE) Sale $1,001 - $15,000
(multiple)
7 Vanguard Dividend Appreciation Index (VIG) Sale $1,001 - $15,000
(multiple)
8. Liabilities
# CREDITOR NAME TYPE AMOUNT YEAR RATE TERM
INCURRED
1 Bank-Fund Staff Federal Credit Union Mortgage $250,001 - 2021 2.5 15 years
(investment/rent $500,000
al property)
2 Bank-Fund Staff Federal Credit Union Mortgage on $500,001 - 2021 3.25 30 years
Personal $1,000,000
Residence
3 Members First Mortgage Mortgage on $100,001 - 2021 2.875 15 years
Personal $250,000
Residence
4 Bank-Fund Staff Federal Credit Union Credit Card $15,001 - 2024 12.49 Revolving
$50,000
5 American Express Credit Card $15,001 - 2024 26.99 Revolving
$50,000
Cook, Lisa D - Page 7
---
<!-- page 36 -->
9. Gifts and Travel Reimbursements
None
Endnotes
PART # ENDNOTE
1. 1 My initial three-year leave of absence from MSU has been extended by an additional year.
2. 1 The amount stated is the correct amount for the reporting period. The actual amount of the monthly
payment is adjusted on an annual and ad hoc basis.
2. 2 The amount stated is the correct amount for the reporting period. The actual amount of the monthly
payment is adjusted on an annual and ad hoc basis.
6. 1.12 Inadvertently omitted from the prior report.
Cook, Lisa D - Page 8
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<!-- page 37 -->
Summary of Contents
1. Filer's Positions Held Outside United States Government
Part 1 discloses positions that the filer held at any time during the reporting period (excluding positions with the United States Government). Positions are reportable even if the
filer did not receive compensation.
This section does not include the following: (1) positions with religious, social, fraternal, or political organizations; (2) positions solely of an honorary nature; (3) positions held as
part of the filer's official duties with the United States Government; (4) mere membership in an organization; and (5) passive investment interests as a limited partner or non-
managing member of a limited liability company.
2. Filer's Employment Assets & Income and Retirement Accounts
Part 2 discloses the following:
● Sources of earned and other non-investment income of the filer totaling more than $200 during the reporting period (e.g., salary, fees, partnership share, honoraria,
scholarships, and prizes)
● Assets related to the filer's business, employment, or other income-generating activities (1) that ended the reporting period with a value greater than $1,000 or (2) from
which more than $200 in income was received during the reporting period (e.g., equity in business or partnership, stock options, retirement plans/accounts and their
underlying holdings as appropriate, deferred compensation, and intellectual property, such as book deals and patents)
This section does not include assets or income from United States Government employment or assets that were acquired separately from the filer's business, employment, or
other income-generating activities (e.g., assets purchased through a brokerage account). Note: The type of income is not required if the amount of income is $0 - $200 or if the
asset qualifies as an excepted investment fund (EIF).
3. Filer's Employment Agreements and Arrangements
Part 3 discloses agreements or arrangements that the filer had during the reporting period with an employer or former employer (except the United States Government), such as
the following:
● Future employment
● Leave of absence
● Continuing payments from an employer, including severance and payments not yet received for previous work (excluding ordinary salary from a current employer)
● Continuing participation in an employee welfare, retirement, or other benefit plan, such as pensions or a deferred compensation plan
● Retention or disposition of employer-awarded equity, sharing in profits or carried interests (e.g., vested and unvested stock options, restricted stock, future share of a
company's profits, etc.)
Cook, Lisa D - Page 9
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<!-- page 38 -->
4. Filer's Sources of Compensation Exceeding $5,000 in a Year
Part 4 discloses sources (except the United States Government) that paid more than $5,000 in a calendar year for the filer's services during any year of the reporting period.
The filer discloses payments both from employers and from any clients to whom the filer personally provided services. The filer discloses a source even if the source made its
payment to the filer's employer and not to the filer. The filer does not disclose a client's payment to the filer's employer if the filer did not provide the services for which the client
is paying.
5. Spouse's Employment Assets & Income and Retirement Accounts
Part 5 discloses the following:
● Sources of earned income (excluding honoraria) for the filer's spouse totaling more than $1,000 during the reporting period (e.g., salary, consulting fees, and partnership
share)
● Sources of honoraria for the filer's spouse greater than $200 during the reporting period
● Assets related to the filer's spouse's employment, business activities, other income-generating activities (1) that ended the reporting period with a value greater than $1,000
or (2) from which more than $200 in income was received during the reporting period (e.g., equity in business or partnership, stock options, retirement plans/accounts and
their underlying holdings as appropriate, deferred compensation, and intellectual property, such as book deals and patents)
This section does not include assets or income from United States Government employment or assets that were acquired separately from the filer's spouse's business,
employment, or other income-generating activities (e.g., assets purchased through a brokerage account). Note: The type of income is not required if the amount of income is $0
- $200 or if the asset qualifies as an excepted investment fund (EIF). Amounts of income are not required for a spouse's earned income (excluding honoraria).
6. Other Assets and Income
Part 6 discloses each asset, not already reported, (1) that ended the reporting period with a value greater than $1,000 or (2) from which more than $200 in investment income
was received during the reporting period. For purposes of the value and income thresholds, the filer aggregates the filer's interests with those of the filer's spouse and dependent
children.
This section does not include the following types of assets: (1) a personal residence (unless it was rented out during the reporting period); (2) income or retirement benefits
associated with United States Government employment (e.g., Thrift Savings Plan); and (3) cash accounts (e.g., checking, savings, money market accounts) at a single financial
institution with a value of $5,000 or less (unless more than $200 in income was received). Additional exceptions apply. Note: The type of income is not required if the amount of
income is $0 - $200 or if the asset qualifies as an excepted investment fund (EIF).
Cook, Lisa D - Page 10
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<!-- page 39 -->
7. Transactions
Part 7 discloses purchases, sales, or exchanges of real property or securities in excess of $1,000 made on behalf of the filer, the filer's spouse or dependent child during the
reporting period.
This section does not include transactions that concern the following: (1) a personal residence, unless rented out; (2) cash accounts (e.g., checking, savings, CDs, money
market accounts) and money market mutual funds; (3) Treasury bills, bonds, and notes; and (4) holdings within a federal Thrift Savings Plan account. Additional exceptions
apply.
8. Liabilities
Part 8 discloses liabilities over $10,000 that the filer, the filer's spouse or dependent child owed at any time during the reporting period.
This section does not include the following types of liabilities: (1) mortgages on a personal residence, unless rented out (note: certain PAS nominees and appointees are
required to report all mortgages); (2) loans secured by a personal motor vehicle, household furniture, or appliances, unless the loan exceeds the item's purchase price; and (3)
revolving charge accounts, such as credit card balances, if the outstanding liability did not exceed $10,000 at the end of the reporting period. Additional exceptions apply.
9. Gifts and Travel Reimbursements
This section discloses:
● Gifts totaling more than $480 that the filer, the filer's spouse, and dependent children received from any one source during the reporting period.
● Travel reimbursements totaling more than $480 that the filer, the filer's spouse, and dependent children received from any one source during the reporting period.
For purposes of this section, the filer need not aggregate any gift or travel reimbursement with a value of $192 or less. Regardless of the value, this section does not include the
following items: (1) anything received from relatives; (2) anything received from the United States Government or from the District of Columbia, state, or local governments; (3)
bequests and other forms of inheritance; (4) gifts and travel reimbursements given to the filer's agency in connection with the filer's official travel; (5) gifts of hospitality (food,
lodging, entertainment) at the donor's residence or personal premises; and (6) anything received by the filer's spouse or dependent children totally independent of their
relationship to the filer. Additional exceptions apply.
Cook, Lisa D - Page 11
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<!-- page 40 -->
Privacy Act Statement
5 U.S.C.§ 13101 et seq., and 5 C.F.R. Part 2634 of the U. S. Office of Government Ethics regulations require the reporting of this information. Failure to provide the requested
information may result in separation, disciplinary action, or civil action. The primary use of the information on this report is for review by Government officials to determine
compliance with applicable Federal laws and regulations. This report may also be disclosed upon request to any requesting person in accordance with 5 U.S.C. §§ 13107 and §
13122(b)(1) or as otherwise authorized by law. You may inspect applications for public access of your own form upon request. Additional disclosures of the information on this
report may be made: (1) to any requesting person, subject to the limitation contained in section 208(d)(1) of title 18, any determination granting an exemption pursuant to
sections 208(b)(1) and 208(b)(3) of title 18; (2) to a Federal, State, or local law enforcement agency if the disclosing agency becomes aware of violations or potential violations
of law or regulation; (3) to a source when necessary to obtain information relevant to a conflict of interest investigation or determination; (4) to the National Archives and Records
Administration or the General Services Administration in records management inspections; (5) to the Office of Management and Budget during legislative coordination on private
relief legislation; (6) when the disclosing agency determines that the records are arguably relevant to a proceeding before a court, grand jury, or administrative or adjudicative
body, or in a proceeding before an administrative or adjudicative body when the adjudicator determines the records to be relevant to the proceeding; (7) to reviewing officials in a
new office, department or agency when an employee transfers or is detailed from one covered position to another, a public financial disclosure report and any accompanying
documents, including statements notifying an employee's supervising ethics office of the commencement of negotiations for future employment or compensation or of an
agreement for future employment or compensation; (8) to a Member of Congress or a congressional office in response to an inquiry made on behalf of and at the request of an
individual who is the subject of the record; (9) to contractors and other non-Government employees working on a contract, service or assignment for the Federal Government
when necessary to accomplish a function related to this system of records; (10) on the OGE Website and to any person, department or agency, any written ethics agreement,
including certifications of ethics agreement compliance, filed with OGE by an individual nominated by the President to a position requiring Senate confirmation; (11) on the OGE
Website and to any person, department or agency, any certificate of divestiture issued by OGE; (12) on the OGE Website and to any person, department or agency, any waiver
of the restrictions contained in Executive Order 13989 or any superseding executive order; (13) to appropriate agencies, entities and persons when there has been a suspected
or confirmed breach of the system of records, the agency maintaining the records has determined that there is a risk of harm to individuals, the agency, the Federal Government,
or national security, and the disclosure is reasonably necessary to assist in connection with the agency's efforts to respond to the suspected or confirmed breach or to prevent,
minimize, or remedy such harm; and (14) to another Federal agency or Federal entity, when the agency maintaining the record determines that information from this system of
records is reasonably necessary to assist the recipient agency or entity in responding to a suspected or confirmed breach or in preventing, minimizing, or remedying the risk of
harm to individuals, the recipient agency or entity, the Federal Government, or national security. See also the OGE/GOVT-1 executive branch-wide Privacy Act system of
records.
Public Burden Information
This collection of information is estimated to take an average of ten hours per response, including time for reviewing the instructions, gathering the data needed, and completing
the form. Send comments regarding the burden estimate or any other aspect of this collection of information, including suggestions for reducing this burden, to the Program
Counsel, U.S. Office of Government Ethics (OGE) 250 E Street, S.W., Suite 750, Washington, DC 20024-3249.
Pursuant to the Paperwork Reduction Act, as amended, an agency may not conduct or sponsor, and no person is required to respond to, a collection of information unless it
displays a currently valid OMB (that control number 3209-0001, is displayed here and at the top of the first page of this OGE Form 278e).
Cook, Lisa D - Page 12
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<!-- page 41 -->
Exhibit F
---
<!-- page 44 -->
Exhibit G
---
<!-- page 51 -->
Exhibit H
---
Mistral OCR of PDF pages 41-43 (Exhibit F), 2026-10-11:
# Exhibit F
5/28/2021
Bank-Fund Staff Federal Credit Union - Rate Search Results
Print
Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
## Closing Fees Breakdown - Conforming 15 Yr Fixed - 2.375%/2.525% Annual Percentage Rate
Loan Information May 28, 2021 11:35 AM CT
- Loan Purpose:
- Amount:
- Purchase Price:
- Property Type:
- Est. Credit Score:
- Property Use: Vacation Home
- City: ATLANTA
- County: Fulton
- State: Georgia
- Lock Period:
- Escrow:
https://bfsfcu.mortgagewebcenter.com/CheckRates/SearchCriteria.asp#/
1/2
5/28/2021
Bank-Fund Staff Federal Credit Union - Rate Search Results
https://bfsfcu.mortgagewebcenter.com/CheckRates/SearchCriteria.asp#/
2/2