July 2023 - cypherpunks - lists.cpunks.org

LendingClub: Current Board of Directors
by Gunnar Larson 27 Jul '23

27 Jul '23

Pure honesty, what (if anything) does September 11 have to do with LendingClub's Board of Directors (see below)? LendingClub is a peer-to-peer lending company, headquartered in San Francisco, California. It was the first peer-to-peer lender to register its offerings as securities with the Securities and Exchange Commission (SEC), and to offer loan trading on a secondary market. At its height, LendingClub was the world's largest peer-to-peer lending platform. The company claims that $15.98 billion in loans had been originated through its platform ... LendingClub was initially launched on Facebook as one of Facebook's first applications. ---------- Forwarded message --------- From: Anuj Nayar <anayar(a)lendingclub.com> Date: Sun, Oct 24, 2021, 11:36 AM Subject: Re: [EXT] LendingClub: Current Board of Directors To: Gunnar Larson <g(a)xny.io>, Investor Relations <ir(a)lendingclub.com>, Press <Press(a)lendingclub.com> Hi Gunnar On September 11, 2021, in connection with her nomination to serve as superintendent of the New York State Department of Financial Services, Adrienne Harris notified us of her resignation, effective September 12, 2021, from the Company’s Board. Details can be found in the 8k filed on 9/15/21 (below) https://d18rn0p25nwr6d.cloudfront.net/CIK-0001409970/bbc437e4-2920-4d5d-8e0… *From: *Gunnar Larson <g(a)xny.io> *Date: *Saturday, October 23, 2021 at 9:37 AM *To: *Investor Relations <ir(a)lendingclub.com>, Press <Press(a)lendingclub.com> *Cc: *Gunnar Larson <g(a)xny.io> *Subject: *[EXT] LendingClub: Current Board of Directors *CAUTION:* This email originated from outside of the organization. Do not click links or open attachments unless you recognize the sender and know the content is safe. Dear Madam or Sir: Good day to you. Surveying market research, I was wondering if you can kindly confirm, from LendingClub's July 15, 2021 press release: - Is Ms. Adrienne Harris currently a member of LendingClub's board of directors? - https://www.prnewswire.com/news-releases/lendingclub-appoints-adrienne-harr… [prnewswire.com] <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.prnewswire.com_new…> - Reviewing your website, Ms. Harris is not referenced: https://www.lendingclub.com/company/leadership - Bloomberg and other sources do not reference Ms. Harris as a LendingClub board member: https://www.bloomberg.com/quote/LC:US [bloomberg.com] <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.bloomberg.com_quot…> Sending you the very best regards. Thank you, Gunnar -- *Gunnar Larson - xNY.io [xny.io] <https://urldefense.proofpoint.com/v2/url?u=http-3A__www.xNY.io&d=DwMFaQ&c=z…> | Bank.org [bank.org] <https://urldefense.proofpoint.com/v2/url?u=http-3A__Bank.org&d=DwMFaQ&c=zW-…>* MSc [unic.ac.cy] <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.unic.ac.cy_blockch…> - Digital Currency MBA [unic.ac.cy] <https://urldefense.proofpoint.com/v2/url?u=https-3A__www.unic.ac.cy_busines…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107 New York, New York 10001 ------------------------------ This message contains confidential information and is intended only for the named addressee. If you are not the named addressee you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately by e-mail if you have received this e-mail by mistake and delete this e-mail from your system. If you are not the named addressee, you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this information is strictly prohibited.

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Re: NY-DFS Proposed Guidance on Character and Fitness (Extension Appeal)
by Gunnar Larson 27 Jul '23

27 Jul '23

Ms. Scott: May we please resolve the conflicts associated? Gunnar On Wed, Jul 5, 2023, 11:32 AM Scott, Kathleen (DFS) < Kathleen.Scott(a)dfs.ny.gov> wrote: > Dear Mr. Larson > > The Department has not extended the deadline on comments on the proposed > Character and Fitness guidance. > > Very truly yours > > Kathleen Scott > > > > *From:* Gunnar Larson <g(a)xny.io> > *Sent:* Sunday, July 2, 2023 6:38 AM > *To:* Scott, Kathleen (DFS) <Kathleen.Scott(a)dfs.ny.gov> > *Cc:* cypherpunks(a)cpunks.org; Tomczak, Christine (DFS) < > christine.tomczak(a)dfs.ny.gov>; Harris, Adrienne A (DFS) < > Adrienne.Harris(a)dfs.ny.gov>; letitia.james(a)ag.ny.gov; > dfs.sm.BankingComments <BankingComments(a)dfs.ny.gov> > *Subject:* Re: NY-DFS Proposed Guidance on Character and Fitness > (Extension Appeal) > > > > You don't often get email from g(a)xny.io. Learn why this is important > <https://aka.ms/LearnAboutSenderIdentification> > > *ATTENTION: This email came from an external source. Do not open > attachments or click on links from unknown senders or unexpected emails.* > > > > Dear Ms. Scott: > > > > Today xNY.io - Bank.org asks NY-DFS to please reconsider deadline for > public comment concerning "Proposed Guidance on Assessment of the Character > and Fitness of Directors, Senior Officers, and Managers" mentioned here: > https://www.dfs.ny.gov/industry_guidance/industry_letters/il20230509_guidan… > . > > > > xNY.io - Bank.org asks if the NY-DFS will extend deadline for public > comment to August 5, 2023 from June 30, 2023. > > > > As requested by NY-DFS, today we provide evidence of any documented > exceptions to compliance with the "Suggested Questions to Facilitate > Initial and Ongoing Assessment of Designated Persons’ Character and > Fitness." > > > > As Ms. Tomczak can confirm, xNY.io - Bank.org has a FOIL Request No. > 2022-090560 - Larson (NY-DFS Apple Card Investigation) appeal pending since > October 13, 2022. > > > > This last Friday, Bloomberg reported, "Goldman Sachs Is in Talks to Exit > Apple Partnership, WSJ Says" > https://www.bloomberg.com/news/articles/2023-06-30/goldman-sachs-is-in-talk… > . > > > > xNY.io - Bank.org is seeking NY-DFS' extension for public comment to > August 5, 2023 so that the New York Banking community has time to complete > Q2-23 earnings call disclosures. > > > > Furthermore, xNY.io - Bank.org has collated 19 references comprising 205 > highlights that touch on the five key areas below: > https://drive.google.com/drive/folders/1FTRRFFhQHDxf-oR9WOZz0a2gRtC9ZWVO. > > > > -Harassment and Discrimination Policies > > > > -Conflict of Interest Policy > > > > -Insider Trading Policy > > > > -Records Management Policy > > > > -Corporate Opportunity Policy > > > > As documented in the above 19 references, we feel extra time for public > comment is warranted to ensure that xNY.io - Bank.org did not play a > significant role or otherwise contribute in a meaningful way to the conduct > that led to regulatory action or proceeding without ample notice. > > > > Per point one of NY-DFS' "Suggested Questions to Facilitate Initial and > Ongoing Assessment of Designated Persons’ Character and Fitness," can you > kindly acknowledge that you have reviewed and understand our 'third' appeal > seeking extension for public comment to August 5, 2023? > > > > Sending you the very best from Chelsea. > > > > Thank you, > > > > Gunnar > > > > -- > > Gunnar Larson > > xNY.io | Bank.org > > MSc - Digital Currency > > MBA - Entrepreneurship and Innovation (ip) > > > > G(a)xNY.io > > +1-917-580-8053 > > New York, New York 10001 > > > > On Fri, Jun 30, 2023, 7:02 PM Gunnar Larson <g(a)xny.io> wrote: > > Dear Ms. Scott: > > > > Thank you for your response. > > > > Wishing you a great weekend ahead. > > > > Gunnar > > > > Gunnar Larson > > xNY.io - Bank.org > > 917-580-8053 > > > > On Fri, Jun 30, 2023, 4:59 PM Scott, Kathleen (DFS) < > Kathleen.Scott(a)dfs.ny.gov> wrote: > > Dear Mr. Larson, > > > > The Department has reviewed your request and at this time is not extending > the deadline for comment on the proposed guidance. > > > > For the avoidance of doubt, please note that the proposed guidance is not > asking anyone to complete the sample questionnaire. The sample > questionnaire is merely provided for review and comment by entities > regulated by the Department. > > > > Very truly yours, > > Kathleen Scott > > > > > > > > *From:* Gunnar Larson <g(a)xny.io> > *Sent:* Wednesday, June 28, 2023 12:05 AM > *To:* Scott, Kathleen (DFS) <Kathleen.Scott(a)dfs.ny.gov> > *Cc:* dfs.sm.BankingComments <BankingComments(a)dfs.ny.gov>; > cypherpunks(a)cpunks.org > *Subject:* NY-DFS Proposed Guidance on Character and Fitness (Extension > Appeal) > > > > You don't often get email from g(a)xny.io. Learn why this is important > <https://aka.ms/LearnAboutSenderIdentification> > > *ATTENTION: This email came from an external source. Do not open > attachments or click on links from unknown senders or unexpected emails.* > > > > Ms. Scott: > > > > NY-DFS recently asked for public comment concerning "Proposed Guidance on > Assessment of the Character and Fitness of Directors, Senior Officers, and > Managers" mentioned here: > https://www.dfs.ny.gov/industry_guidance/industry_letters/il20230509_guidan… > . > > > > xNY.io - Bank.org asks if the NY-DFS will extend deadline for public > comment to August 5, 2023 from June 30, 2023. > > > > As requested by NY-DFS, today we provide (in a separate attachment) > evidence of any documented exceptions to compliance with the "Suggested > Questions to Facilitate Initial and Ongoing Assessment of Designated > Persons’ Character and Fitness." > > > > We have collated 19 references comprising 205 highlights that touch on the > five key areas below: > https://drive.google.com/drive/folders/1FTRRFFhQHDxf-oR9WOZz0a2gRtC9ZWVO. > > > > -Harassment and Discrimination Policies > > > > -Conflict of Interest Policy > > > > -Insider Trading Policy > > > > -Records Management Policy > > > > -Corporate Opportunity Policy > > > > xNY.io - Bank.org is seeking NY-DFS' extension for public comment to > August 5, 2023 so that the New York Banking community has time to complete > Q2-23 earnings call disclosures. > > > > As documented in the above 19 references, we feel extra time for public > comment is warranted to ensure that xNY.io - Bank.org did not play a > significant role or otherwise contribute in a meaningful way to the conduct > that led to regulatory action or proceeding without ample notice. > > > > Per point one of NY-DFS' "Suggested Questions to Facilitate Initial and > Ongoing Assessment of Designated Persons’ Character and Fitness," can you > kindly acknowledge that you have reviewed and understand our appeal seeking > extension for public comment to August 5, 2023? > > > > We hope to hear from you before June 30, 2023 given obvious factors. > > > > Sending you the very best regards. > > > > Thank you, > > > > Gunnar > > > > -- > > Gunnar Larson > > xNY.io | Bank.org > > MSc - Digital Currency > > MBA - Entrepreneurship and Innovation (ip) > > > > G(a)xNY.io > > +1-917-580-8053 > > New York, New York 10001 > > > > > >

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Re: Meta Platforms, Inc. Board of Directors - USPTO, Digital Assets and Moscow Exchange
by Gunnar Larson 27 Jul '23

27 Jul '23

Mr. Chollet: It would appear today's correspondence confirms that Meta is seemingly aware of xNY.io's general concern. - Meta has no real advantage questioning xNY.io's relationship with Moscow Exchange. Understand, xNY.io did not file USPTO application(s) seeking approval for a mark that is defined near exact to that of Moscow Exchange. - Furthermore, on March 17, 2022 Sber announced <https://www.sberbank.com/news-and-media/press-releases/article?newsID=cd44d…> digital asset issuance. This is one day before Meta's March 18, 2022 USPTO submission for mark approval relating to digital assets. - Meta's board of directors may understand xNY.io's general concern of coordination and/or lack of coordination that could risk global digital asset marketplace purity. - xNY.io asks not whether Meta's mark would damage the market for the Moscow Exchange (by, for example, devaluing it through parody or criticism), but whether it *usurps* the market by offering a competing substitute, potentially causing significant damage to digital asset purity and blockchain software technology innovation. Mr. Chollet, the last point is key to resolving any question of xNY.io's relationship with Moscow Exchange. xNY.io's March 24, 2022 memo to Meta is clear and honest. We expect that Meta will not aim to muddy the waters on this important concern forward. With all due respect, Meta’s board of directors may understand xNY.io cannot logically accept that the recent USPTO applications are not a marketplace manipulation exercise at xNY.io’s overall expense. Meta’s board of directors must ask itself, to the best of its knowledge, information, and belief, if further inquiry is reasonable under the circumstances? Respectfully, Gunnar Larson -- *Gunnar Larson - xNY.io <http://www.xny.io/> | Bank.org <http://bank.org/>* MSc <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - Digital Currency MBA <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship and Innovation (ip) G(a)xNY.io +1-646-454-9107 New York, New York 10001 On Fri, Apr 1, 2022 at 4:21 PM Chollet, Nicki < NChollet(a)kilpatricktownsend.com> wrote: > Dear Gunnar, > > > > We write to confirm we represent Meta Platforms, Inc. in connection with > this matter. Please direct all further correspondence on this matter to our > attention. > > > > We received your letter dated March 24, 2022 and your follow up from this > morning. We reviewed your correspondence, however, we are unable to > determine the merits of your claim. Specifically, your letter does not > provide any information regarding a specific application or registration > being asserted or any evidence of your relationship with any entity owning > rights in the alleged Moscow Exchange mark. Before we can properly evaluate > or respond to your claim, you will need to provide additional details > regarding the basis for your claim and documentation of your relationship > with Moscow Exchange or ownership in the Moscow Exchange mark. > > > > Meta Platforms reserves all rights. > > > > Sincerely, > > > > > *Nichole Davis Chollet **Kilpatrick Townsend & Stockton LLP* > Suite 2800 | 1100 Peachtree Street NE | Atlanta, GA 30309-4528 > office 404 815 6010 | cell 404 906 6948 | fax 404 541 3387 > nchollet(a)kilpatricktownsend.com | My Profile > <http://www.kilpatricktownsend.com/en/People/C/CholletNicholeDavis> | > VCard <http://www.kilpatricktownsend.com/vcard/NicholeDavisChollet.vcf> > > > > *From:* Gunnar Larson <g(a)xny.io> > *Sent:* Friday, April 1, 2022 7:23 AM > *To:* investor(a)fb.com > *Cc:* MetaProsecution <MetaProsecution(a)kilpatricktownsend.com>; > cypherpunks <cypherpunks(a)lists.cpunks.org> > *Subject:* Re: Meta Platforms, Inc. Board of Directors - USPTO, Digital > Assets and Moscow Exchange > > > > > > > > Dear Meta Board of Directors: > > It has been eight days since our original correspondence, seeking clarity > between Meta's logo and the Moscow Exchange logo. > > > > Offering Meta the benefit of the doubt, noting this could simply be some > misunderstanding ... We seek Meta's clarification by 5:00pm today, Friday > April 1, 2022. > > > > Respectfully yours, > > > > Gunnar Larson > > -- > > *Gunnar Larson - xNY.io <http://www.xny.io/> | Bank.org <http://bank.org/>* > > MSc > <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> - > Digital Currency > > MBA > <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> - Entrepreneurship > and Innovation (ip) > > > > G(a)xNY.io > > +1-646-454-9107 > > New York, New York 10001 > > > > On Thu, Mar 24, 2022 at 5:20 PM Gunnar Larson <g(a)xny.io> wrote: > > Dear Meta Board of Directors: > > > > Please find the attached memo > <https://docs.google.com/document/d/1f_fq1GaKNaAUGEyztdm-oMtIuEW2yXj4C5aoN0G…> addressed > to your attention. > > - Today’s correspondence is to kindly submit xNY.io’s overall concern > of Meta Platforms, Inc. and Moscow Exchange mark similarities, > specifically, both marks seemingly resemble a geometric design consisting > of two loops and/orovals touching or intersecting. > > xNY.io kindly asks Meta’s Board to respond by Friday, March 25, 2022 at > 5:00pm EST. > > > > Respectfully yours, > > > > Gunnar Larson > > -- > > *Gunnar Larson - xNY.io <http://www.xNY.io> | Bank.org <http://Bank.org>* > > MSc > <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&u…> > - Digital Currency > > MBA > <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovat…> > - Entrepreneurship and Innovation (ip) > > > > G(a)xNY.io > > +1-646-454-9107 > > New York, New York 10001 > > > > > > > > > ------------------------------ > > Confidentiality Notice: > This communication constitutes an electronic communication within the > meaning of the Electronic Communications Privacy Act, 18 U.S.C. Section > 2510, and its disclosure is strictly limited to the recipient intended by > the sender of this message. This transmission, and any attachments, may > contain confidential attorney-client privileged information and attorney > work product. If you are not the intended recipient, any disclosure, > copying, distribution or use of any of the information contained in or > attached to this transmission is STRICTLY PROHIBITED. Please contact us > immediately by return e-mail or at 404 815 6500, and destroy the original > transmission and its attachments without reading or saving in any manner. > > ------------------------------ > > ***DISCLAIMER*** Per Treasury Department Circular 230: Any U.S. federal > tax advice contained in this communication (including any attachments) is > not intended or written to be used, and cannot be used, for the purpose of > (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, > marketing or recommending to another party any transaction or matter > addressed herein. >

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Bitcoin 'Inventor' Fights Sanctions Over Financial Disclosure By Carolina Bolado An attorney for self-professed bitcoin inventor Craig Wright argued Wednesday that his client should not be sanctioned for failing to list bitcoin holdings in a financial disclosure form requested by the holder of a $143 million judgment against him because the form did not specifically ask for digital assets. Read full article » | Save to favorites »
by Gunnar Larson 27 Jul '23

27 Jul '23

Bitcoin 'Inventor' Fights Sanctions Over Financial Disclosure <https://www.law360.com/fintech/articles/1695183?nl_pk=bd316618-088c-4274-ab…> By Carolina Bolado An attorney for self-professed bitcoin inventor Craig Wright argued Wednesday that his client should not be sanctioned for failing to list bitcoin holdings in a financial disclosure form requested by the holder of a $143 million judgment against him because the form did not specifically ask for digital assets. Read full article » <https://www.law360.com/fintech/articles/1695183?nl_pk=bd316618-088c-4274-ab…> | Save to favorites » <https://www.law360.com/fintech/articles/1695183?nl_pk=bd316618-088c-4274-ab…> By Carolina Bolado An attorney for self-professed bitcoin inventor Craig Wright argued Wednesday that his client should not be sanctioned for failing to list bitcoin holdings in a financial disclosure form requested by the holder of a $143 million judgment against him because the form did not specifically ask for digital assets. Read full article » | Save to favorites » https://www.law360.com/fintech/articles/1695183?nl_pk=bd316618-088c-4274-ab…

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Hunter Biden's Plea Deal Collapses In Federal Court
by Gunnar Larson 27 Jul '23

27 Jul '23

NEWS Hunter Biden's Plea Deal Collapses In Federal Court By Jeff Montgomery A Delaware federal judge balked Wednesday at approving presidential son Hunter Biden's guilty plea to federal tax and weapons offenses, declaring that the U.S. attorney's office and Biden's defense failed to explain or justify the court's role in approving or enforcing its terms. Read full article » | Save to favorites » https://www.law360.com/delaware/articles/1703975?nl_pk=55937051-a4cc-4230-8…

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Gay Asylum-Seekers Say Backlog Leaves Lives 'In Limbo'
by Gunnar Larson 27 Jul '23

27 Jul '23

Gay Asylum-Seekers Say Backlog Leaves Lives 'In Limbo' By Micah Danney A pair of complaints are accusing U.S. Citizenship and Immigration Services of failing to schedule asylum hearings for two gay asylum-seekers from Ukraine and Russia who each say they have waited more than six years to present claims of violent persecution. 2 documents attached | Read full article » | Save to favorites »

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Ex-Fed Atty Ducks Prison For Steering Contracts To Spouse
by Gunnar Larson 27 Jul '23

27 Jul '23

Ex-Fed Atty Ducks Prison For Steering Contracts To Spouse By Lauren Berg A Florida assistant U.S. attorney who pled guilty to directing contracts from her office to companies in which her spouse had a financial interest will not serve time behind bars, a Sunshine State federal judge ruled Wednesday. 2 documents attached | Read full article » | Save to favorites » https://www.law360.com/competition/articles/1704416?nl_pk=2063be2d-1a29-43b…

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Mastercard Users, Retailers Can't Apply EU Clocks To UK
by Gunnar Larson 27 Jul '23

27 Jul '23

Mastercard Users, Retailers Can't Apply EU Clocks To UK By Bryan Koenig The United Kingdom's specialized antitrust court limited the timetable of claims that can be brought against Mastercard over allegedly anti-competitive interchange fees Wednesday, holding that a European Union court decision isn't as strong as retailers and consumers had argued. Decision attached | Read full article » | Save to favorites » https://www.law360.com/competition/articles/1703961?nl_pk=2063be2d-1a29-43b…

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Meta Tells 2nd Circ. Photo App Waited Too Long To Sue
by Gunnar Larson 27 Jul '23

27 Jul '23

Meta Tells 2nd Circ. Photo App Waited Too Long To Sue By Matthew Perlman Meta Platforms Inc. told the Second Circuit a defunct photo app knew back in 2016 about changes the social networking company made to its Instagram feeds and waited too long to file an antitrust case alleging the changes drove it out of business. 2 documents attached | Read full article » | Save to favorites » https://www.law360.com/competition/articles/1703836?nl_pk=2063be2d-1a29-43b…

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DC Circ. Backs Visa, Mastercard ATM Fee Antitrust Classes
by Gunnar Larson 27 Jul '23

27 Jul '23

TOP NEWS DC Circ. Backs Visa, Mastercard ATM Fee Antitrust Classes By Sydney Price The D.C. Circuit has affirmed the district court's decision to certify three different classes of consumers and ATM operators accusing Visa and Mastercard of dodging antitrust laws with ATM fee rules. Order attached | Read full article » | Save to favorites » https://www.law360.com/competition/articles/1703889?nl_pk=2063be2d-1a29-43b…

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