- cypherpunks - lists.cpunks.org

Cryptocurrency: Greenpeace Libtards Hired by GovBankSoc Anti's to Screech and Lie About Bitcoin Energy
by grarpamp 16 Sep '22

16 Sep '22

Screeching Lying Agents-of-Anti's Expose and Electrocute themselves... Greenpeace Intensifies Campaign Against Bitcoin Following Ethereum's Merge True https://www.michael.com/en/resources/bitcoin-mining-and-the-environment https://bitcoinminingcouncil.com/wp-content/uploads/2022/07/2022.07.19-BMC-… https://batcoinz.com/ https://twitter.com/DSBatten False https://bitcoinmagazine.com/business/greenpeace-intensifies-campaign-agains… https://www.prnewswire.com/news-releases/climate-groups-to-bitcoin-cut-the-… https://bitcoinmagazine.com/markets/greenpeace-seeks-to-change-bitcoin-code In addition to a $1 million ad budget, climate groups want to influence institutions such as Fidelity and BlackRock to push Bitcoin to switch from PoW to PoS. Greenpeace and the Environmental Working Group have launched a $1 million smear campaign against Bitcoin following Ethereum's Merge to PoS. The campaign has a petition urging Fidelity, BlackRock and others to move Bitcoin away from PoW. Opponents of Bitcoin need to understand how it actually works. Greenpeace and the Environmental Working Group have intensified their attack against Bitcoin’s proof-of-work (PoW) with a $1 million ad campaign, per a press release. The climate groups are pushing for institutions such as Fidelity, BlackRock, Block and PayPal to influence the Bitcoin protocol. The group's intentions are to have these institutions somehow help change the consensus mechanism from PoW to proof-of-stake (PoS). The intensification of an attack that began in March with the launch of the “Change The Code, Not The Climate” campaign follows today’s completion of the Merge, an event which changed the consensus mechanism of Ethereum from PoW to PoS. “Ethereum has shown it's possible to switch to an energy-efficient protocol with far less climate, air and water pollution,” said Michael Brune, director of the Change the Code, Not the Climate campaign. However, one could argue that these climate groups are missing something very important about Bitcoin. Not only is PoW the true innovation and core to the successful functioning of Bitcoin, this would not be the first occurrence of institutional and corporate pressure to change the Bitcoin protocol. Accordingly, the Block Size Wars saw many institutions arguing for larger block sizes on the blockchain which would have led to the centralization of nodes on the network, thereby lessening the distributed network we see today. Attempts to centralize the network ultimately failed as the decentralized network stood strong and an upgrade known as SegWit allowed for necessary upgrades to block sizes without centralizing the infrastructure of Bitcoin. Furthermore, climate-based criticism of Bitcoin is becoming more debunked by the day. In fact, yesterday the executive chairman for pro-Bitcoin software analytics firm MicroStrategy published a paper refuting many common accusations. 1. Bitcoin Energy Utilization: Bitcoin runs on stranded, excess energy, generated at the edge of the grid, in places where there is no other demand, at times when no one else needs the electricity. Retail & commercial consumers of electricity in major population areas pay 5-10x more per kwH (10-20 cents per kwH) than bitcoin miners, who should be thought of as wholesale consumers of energy (normally budgeting 2-3 cents per kwH). The world produces more energy than it needs, and approximately a third of this energy is wasted. The last 15 basis points of energy power the entire Bitcoin Network - this is the least valued, cheapest margin of energy left after 99.85% of the energy in the world is allocated to other uses. 2. Bitcoin vs. Other Industries: Bitcoin mining is the most efficient, cleanest industrial use of electricity, and is improving its energy efficiency at the fastest rate across any major industry. Our metrics show ~59.5% of energy for bitcoin mining comes from sustainable sources and energy efficiency improved 46% YoY. No other industry comes close (consider planes, trains, automobiles, healthcare, banking, construction, precious metals, etc.). The bitcoin network keeps getting more energy efficient because of the relentless improvement in the semiconductors (SHA-256 ASICs) that power the bitcoin mining centers, combined with the halving of bitcoin mining rewards every four years that is built into the protocol. This results in a consistent 18-36% improvement year after year in energy efficiency. More details on this are included in the BMC Presentation. 3. Bitcoin Value Creation & Energy Intensity: Approximately $4-5 billion in electricity is used to power & secure a network that is worth $420 billion as of today, and settles $12 billion per day ($4 trillion per year). The value of the output is 100x the cost of the energy input. This makes Bitcoin far less energy intensive than Google, Netflix, or Facebook, and 1-2 orders of magnitude less energy intensive than traditional 20th century industries like airlines, logistics, retail, hospitality, & agriculture. 4. Bitcoin vs. Other Cryptos: The only proven technique for creating a digital commodity is Proof of Work (bitcoin mining) deployed in a fair, equitable fashion (i.e. no pre-mine, no ICO, no controlling foundation, no primary software development team, no series of forced hard fork upgrades that materially change the monetary protocol). If we remove the dedicated hardware (SHA-256 ASICs) and the dedicated energy that powers those mining rigs, we are left with a network secured by proprietary software running on generic computers. That places all security & control of the network in the hands of a small group of software developers, who must create virtual machines doing virtual work with virtual energy in a virtual world to create virtual security. All attempts to date have resulted in a digital asset that meets the definition of an investment contract (i.e. digital security, not digital commodity). They all pass the Howie test and therefore look more like equities than commodities. Regulators & legal experts have noted on many occasions that Proof of Stake networks are likely securities, not commodities, and we can expect them to be treated as such over time. PoS Crypto Securities may be appropriate for certain applications, but they are not suitable to serve as global, open, fair money or a global open settlement network. Therefore, it makes no sense to compare Proof of Stake networks to Bitcoin. The creation of a digital commodity without an issuer that serves as “digital gold” is an innovation (we have accomplished this only once in the history of the world with Bitcoin). The creation of a digital security or digital coupon on a shared database is utterly ordinary (it has been done 20,000 times in the crypto world, and 100,000+ times in the traditional world). 5. Bitcoin & Carbon Emissions: 99.92% of carbon emissions in the world are due to industrial uses of energy other than bitcoin mining. Bitcoin mining is neither the problem nor the solution to the challenge of reducing carbon emissions. It is in fact a rounding error and would hardly be noticed if it were not for the competitive guerrilla marketing activities of other crypto promoters & lobbyists that seek to focus negative attention on Proof of Work mining in order to distract regulators, politicians, & the general public from the inconvenient truth that Proof of Stake crypto assets are generally unregistered securities trading on unregulated exchanges to the detriment of the retail investing public. 6. Bitcoin & Environmental Benefits: There is an increasing awareness that Bitcoin is quite beneficial to the environment because it can be deployed to monetize stranded natural gas or methane gas energy sources. Methane gas emissions' curtailment is particularly compelling and Dan Batten (https://batcoinz.com/) has written some impressive papers on this subject. It has also become clear that energy grids that rely primarily on sustainable power sources like wind, hydro, & solar can be unreliable at times due to lack of water, sunlight, or wind. In this case, they need to be paired with a large electricity consumer like a bitcoin miner in order to develop grid resilience & finance the buildout of additional capacity necessary to responsibly power major industrial/population centers. The recent example of major Bitcoin energy curtailment on the ERCOT grid in Texas is an example of the benefits of bitcoin mining to sustainable power providers. No other industrial energy consumer is so well suited to monetize excess power as well as curtail flexibly during periods of energy shortfall & production volatility. 7. Bitcoin & Global Energy: Bitcoin maximalists believe that Bitcoin is an instrument of economic empowerment for 8 billion people around the world. This is supported by the ability of a bitcoin miner to monetize any power source, anywhere, anytime, at any scale. Bitcoin mining can bring a clean, profitable and modern industry that generates hard currency to a remote location in the developing world, connected only via satellite link. All that is needed is some excess electricity generated from a waterfall, geothermal source, or miscellaneous excess energy deposit. Google, Netflix, and Apple won’t be setting up data centers in Central Africa that export services to their wealthy western clients anytime soon due to constraints on bandwidth, privacy, & requirements for consistent power flow, but bitcoin miners are not hampered by these constraints. They can utilize erratic power supplies with low bandwidth in remote locations and generate valuable bitcoin without prejudice, just as if they were in a suburb of NYC, LA, or SF. Even now, Bitcoin miners are everywhere and will continue to spread (though Africa, Asia, South America, etc.) wherever there is excess energy and anyone with aspirations for a better life. Bitcoin is an egalitarian financial asset offering financial inclusion to all, and bitcoin mining is an egalitarian technology industry offering commercial inclusion to anyone with the energy & engineering capability to operate a mining center.

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Fwd: LibrePlanet 2023: Let's chart the course together! Submit your session by November 2
by Baffo 32 15 Sep '22

15 Sep '22

---------- Forwarded message ---------- From: Free Software Foundation <info(a)fsf.org> Date: Thu, 15 Sep 2022 02:29:41 -0400 Subject: LibrePlanet 2023: Let's chart the course together! Submit your session by November 2 To: Karl Semich <baffo32(a)gmail.com> *Please consider adding <info(a)fsf.org> to your address book, which will ensure that our messages reach you and not your spam box.* *Read and share online: <https://www.fsf.org/blogs/community/libreplanet-2023-lets-chart-the-course-…>* Dear Karl Semich, **We are proud to announce the fifteenth edition of the Free Software Foundation's (FSF) conference on ethical technology and user freedom, which will be held in spring 2023, both online and in Boston (exact venue TBD). In these fifteen years, LibrePlanet has always been a community that brings together concerned users of all varieties to carve out the direction of software freedom for today as well as for years to come. The [call for sessions][1] is now open and will close on November 2, 2022. Potential talks should examine free software through the lens of the theme "Charting the Course."** [1]: https://my.fsf.org/lp-call-for-sessions LibrePlanet has always been a community event. We have placed individuals from the community front and center, making the conference an experience focused on connection, collaboration, and education. Together, let's imagine a sustainable future in which privacy is respected, technology follows the highest ethical standards, and software and users are truly free. Together, let's chart the course for coming generations to software freedom. [**Submit your session today!**][1] [1]: https://my.fsf.org/lp-call-for-sessions ## LibrePlanet: Charting the Course At [LibrePlanet 2023][2], we will discuss new opportunities and new threats to the movement, such as artificial intelligence, technology in health care, and the role free software has to play in achieving ecological sustainability. Now, it's time for us to chart the course through to full digital freedom for all of us. Let's build a future where it is the user and not corporate monopolies that control our ways of communicating, what information we want to share, and how we want to live. [2]: https://libreplanet.org/2023 **Submissions to the call for sessions are being accepted through Wednesday, November 2, 12:00 EDT (16:00 UTC). General registration, exhibitor registration, and sponsoring packages will follow soon.** We invite activists, hackers, law professionals, artists, educators, students, developers, new and familiar faces alike, policymakers, tinkerers, free software beginners, and anyone looking for technology that aligns with their ideals to [submit a proposal][1] for a session at [LibrePlanet 2023][2]. To access the submission form, use your my.fsf.org username *baffo32*. Session proposals can focus on software development, copyleft, community, or other issues related to the theme. [1]: https://my.fsf.org/lp-call-for-sessions [2]: https://libreplanet.org/2023 ## What kind of sessions are we looking for? Are you integrating free software into your life, or are you struggling to do just that? We want to hear from you! Examine free software through the theme "Charting the Course" and: * Share how you integrate free software in your daily life, your struggles and successes; * Give a talk exploring the theme through broader spheres of education, licensing, medicine, government, business, art, social movements, or improving accessibility; * Tell the world about your free software project; * Suggest an educational panel or Q&A session on a pressing topic like free software in artificial intelligence or software-driven cars; * Explore current topics in free software licensing and copyleft, or give a great licensing tutorial; * Host a workshop or tutorial on how to use a free software tool, free software program, or free hardware project; * Explore a free software concept or share your technical knowledge in an interactive session or through a live programming session, or * Lead a project "sprint" (a group work session). All sessions will be reviewed by a community committee representing a wide range of expertise. It's important to us to provide sessions that are friendly to newcomers, as well as those that help experienced hackers improve their technical skills. Whatever your experience level or the experience level of your audience, we want to include your session! If you're new to the community, or if you're looking for inspiration, check out last year's [conference site and session videos][3]. Anyone interested in doing a workshop can also do so by submitting to the call for sessions. We hope that we get as many great workshop submissions as we did [last year][4] so that we can do another series. [3]: https://media.libreplanet.org/u/libreplanet/tag/libreplanet-2022-video/ [4]: https://media.libreplanet.org/u/libreplanet/tag/libreplanet-2022-workshop/ If you have any questions, comments, ideas, if you would like to be part of the LibrePlanet 2023 committee, if you need help with your session proposal, or if you would like to just socialize, please come meet with us in our LibrePlanet hour on IRC. These sessions will be held weekly office hours on Thursdays, starting September 22 (with the exception of October 6) from 13:00 to 14:00 EDT (17:00 - 18:00 UTC) in the #libreplanet channel of the [Libera.chat][5] IRC network. [5]: https://libera.chat/ Call for sessions office hours IRC event links: * <https://www.fsf.org/events/libreplanet-2022-cfs-office-hours-2022-09-22> * <https://www.fsf.org/events/libreplanet-2022-cfs-office-hours-2022-09-29> * <https://www.fsf.org/events/libreplanet-2022-cfs-office-hours-2022-10-13> * <https://www.fsf.org/events/libreplanet-2022-cfs-office-hours-2022-10-20> * <https://www.fsf.org/events/libreplanet-2022-cfs-office-hours-2022-10-27> *Not yet set up for IRC? Please read <https://libreplanet.org/wiki/IRC_Help>.* You are also welcome to email to <campaigns(a)fsf.org> with your session ideas and questions. After three long years hosting LibrePlanet online only, we are excited to have in-person events in Boston. We look forward to seeing everyone next spring! Sincerely, The LibrePlanet team ----- * Let's put the planet in LibrePlanet by donating to the FSF: <https://my.fsf.org/civicrm/contribute/transact?reset=1&id=60> * Follow us on Mastodon at <https://hostux.social/@fsf>, GNU social at <https://status.fsf.org/fsf>, PeerTube at <https://framatube.org/a/fsf/video-channels>, and on Twitter at @fsf. * Read about why we use Twitter, but only with caveats at <https://www.fsf.org/twitter>. * Subscribe to our RSS feeds at <https://fsf.org/blogs/RSS>. * Join us as an associate member at <https://www.fsf.org/jf>. * Read our Privacy Policy at <https://www.fsf.org/about/free-software-foundation-privacy-policy>. Sent from the Free Software Foundation, 51 Franklin St, Fifth Floor Boston, Massachusetts 02110-1335 United States You can unsubscribe from this mailing list by visiting https://my.fsf.org/civicrm/mailing/unsubscribe?reset=1&jid=165930&qid=77810…. To stop all email from the Free Software Foundation, including Defective by Design, and the Free Software Supporter newsletter, visit https://my.fsf.org/civicrm/mailing/optout?reset=1&jid=165930&qid=77810310&h….

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Fwd: Quick on the Draw: Line Adjustment and Draw Behavior in Failing Banks
by Gunnar Larson 15 Sep '22

15 Sep '22

---------- Forwarded message --------- From: FDIC Subscriptions <subscriptions(a)subscriptions.fdic.gov> Date: Wed, Sep 14, 2022, 10:13 AM Subject: Quick on the Draw: Line Adjustment and Draw Behavior in Failing Banks To: <g(a)xny.io> [image: Federal Deposit Insurance Corporation (FDIC)] <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDAsInVy…> Working Paper | September 14, 2022 *Quick on the Draw: Line Adjustment and Draw Behavior in * *Failing Banks* *By: Amanda Rae Heitz, Jeffrey Traczynski and Alexander Ufier* *Abstract: * Using a proprietary set of transaction-level HELOC data from five banks, we explore whether banks actively manage HELOCs for periods prior to and during bank distress. Banks are more likely to revoke credit lines that exhibit potentially problematic characteristics at origination and time-varying borrower “early warning signals” of risk. In the three months before each bank’s staggered failure date, when bank capital constraints and incentives to strategically deploy that capital increase, our findings grow in magnitude. In contrast, during this time, we find that, on average, borrowers do not increase HELOC drawdown rates. The existing literature focuses on how bank relationships can be valuable during periods of economic or borrower stress. To our knowledge, we are the first paper to examine the value of lending as well as deposit relationships during bank stress. Before the bank becomes distressed, we find that existing relationships have no adverse effects on banks’ decision to revoke credit. As failure approaches, however, borrowers with other lending relationships are more likely to have their HELOCs cut, suggesting that lending relationships do not benefit borrowers during times of bank stress. We contribute to a growing literature that explores how contractions in the supply of credit and deteriorating bank financial health affect bank and borrower behavior. Read the working paper, “Quick on the Draw: Line Adjustment and Draw Behavior in Failing Banks” <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDEsInVy…> by Amanda Rae Heitz, Jeffrey Traczynski and Alexander Ufier. FDIC Center for Financial Research <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDIsInVy…> working papers are preliminary materials circulated to stimulate discussion and critical comment. The analysis, conclusions, and opinions set forth in the papers are those of the author(s) alone and do not necessarily reflect the views of the Federal Deposit Insurance Corporation. ### *The FDIC does not send unsolicited e-mail. If this publication has reached you in error, or if you no longer wish to receive this service, please unsubscribe <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDMsInVy…>.* *Stay Connected* <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDQsInVy…> <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDUsInVy…> <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDYsInVy…> <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDcsInVy…> <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDgsInVy…> <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMDksInVy…> ------------------------------ Questions for FDIC? Contact Us <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTAsInVy…> Subscriber Services: Manage Preferences <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTEsInVy…> | Unsubscribe All <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTIsInF1…> | Help <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTMsInVy…> ------------------------------ This email was sent to g(a)xny.io using GovDelivery Communications Cloud on behalf of: FDIC Subscriptions · 3501 Fairfax Drive · Arlington, VA 22226 · 877-275-3342 [image: GovDelivery logo] <https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.eyJidWxsZXRpbl9saW5rX2lkIjoxMTQsInVy…>

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JPMorgan Chase, Morgan Stanley and Wells Fargo Flunk a Test Measuring their Support for American Democracy
by Gunnar Larson 15 Sep '22

15 Sep '22

https://wallstreetonparade.com/2022/09/jpmorgan-chase-morgan-stanley-and-we… The nonpartisan watchdog group, Accountable.US <https://accountable.us/about/>, has released the results of an investigation into how committed to democracy the 100 largest corporations in America are. The corporations were graded on support for voting rights, the electoral process, and American democracy. The results were provided in an interactive resource called the American Democracy Scorecard <https://www.americandemocracyscorecard.org/>. Researchers looked at 14 key criteria. Seven elements of the criteria involved making pro-democracy statements, being affiliated with pro-democracy organizations, and taking other pro-democracy actions. Seven other criteria involved corporate contributions to elected officials who are undermining democracy and voting rights. Three of the largest mega banks on Wall Street, JPMorgan Chase, Morgan Stanley, and Wells Fargo, flunked the democracy test, each receiving a score of “F.” Goldman Sachs received a “D.” Bank of America and Citigroup received a “B” grade, but, clearly, that was based on very recent history. ---------- Forwarded message --------- From: Pam Martens <alerts(a)wallstreetonparade.com> Date: Thu, Sep 15, 2022, 11:01 AM Subject: Once Daily Digest Email To: <alerts(a)wallstreetonparade.com> Wall Street On Parade has posted a new item: JPMorgan Chase, Morgan Stanley and Wells Fargo Flunk a Test Measuring their Support for American Democracy https://wallstreetonparade.com/2022/09/jpmorgan-chase-morgan-stanley-and-we… By Pam Martens and Russ Martens: September 15, 2022 ~ The nonpartisan watchdog group, Accountable.US, has released the results of an investigation into how committed to democracy the 100 largest corporations in America are. The corporations were graded on support for voting rights, the electoral process, and American democracy. The results were provided in an interactive resource [...] If the hyperlink above is not active, please paste it into your browser and press "Go" to read the full article. You received this e-mail because you asked to be notified when new updates are posted. If you ever wish to stop receiving these emails from us, just email me at pamk741(a)aol.com with the word "Unsubscribe" in the subject line. Best regards, Pam Martens, Editor, Wall Street On Parade

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xNY.io WhitePaper — xNY.io
by Gunnar Larson 15 Sep '22

15 Sep '22

https://xny.io/whitepaper Being extremely clear and transparent, xNY.io's business models emphasize taking advantage of our competitors who have designed global regulatory abtrigatre frameworks at the expense of customers. Our simple strategy rests in the fact that virtual currency has cross-border utilities. CryptoBank’s strategy innovates beyond New York bank's misemploying Manhattan Island as a walled garden for bad HR management camps while wrongfully profiting off of the back of the most vulnerable across global markets.

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The Association Between Geographic Location & Anxiety and Depression in Transgender Individuals
by professor rat 14 Sep '22

14 Sep '22

A part of Transgender Health Editor-in-Chief: Robert Garofalo, MD, MPH https://www.liebertpub.com/toc/trgh/1/1 Reposts not HIV denial

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Fuck Dana White and that Jackass Joe he Rogan on
by professor rat 14 Sep '22

14 Sep '22

The UFC sucks arse - bit like Gramps tries to here https://anarchistnews.org/content/leftists-breaking-right%E2%80%99s-chokeho… Reposts not roundhouse

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The Mob Museum in Downtown Las Vegas - About - Executive Bios
by professor rat 14 Sep '22

14 Sep '22

Ace Rothstein : Four reels, sevens across on three $15,000 jackpots. Do you have any idea what the odds are? Don Ward : Shoot, it's gotta be in the millions, maybe more. Ace Rothstein : Three fuckin' jackpots in 20 minutes? Why didn't you pull the machines? Why didn't you call me? Don Ward : Well, it happened so quick, 3 guys won; I didn't have a chance... Ace Rothstein : [interrupts] You didn't see the scam? You didn't see what was going on? Don Ward : Well, there's no way to determine that... Ace Rothstein : Yes there is! An infallible way, they won!

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Mark Zuckerberg is ‘continuing to derail’ Facebook, says Harvard expert: ‘He’s really lost his way’
by professor rat 14 Sep '22

14 Sep '22

For my 2c he dropped the ball on DIEM which could have been a global UBI by now " ITS FREE AND ALWAYS WILL BE! " The internet way is to profit by giving things away - something Harvard Business School will never understand. https://stiffs.com/celebrity/markzuckerberg

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Fwd: Open FOIL NY Request From : Gunnar Larson : 2021 Apple Card Report
by Gunnar Larson 13 Sep '22

13 Sep '22

---------- Forwarded message --------- From: Paasewe, Siaka (DHR) <Siaka.Paasewe(a)dhr.ny.gov> Date: Tue, Sep 13, 2022, 6:39 PM Subject: RE: Open FOIL NY Request From : Gunnar Larson : 2021 Apple Card Report To: G(a)xny.io <g(a)xny.io> Cc: dhr.dl.foil <foil(a)dhr.ny.gov> Dear Mr. Larson: Pursuant to your request below, please see the attachment. Siaka Paasewe Records Access Officer NYS Division of Human Rights One Fordham Plaza, 4th Floor Bronx, NY 10458 Siaka.Paasewe(a)dhr.ny.gov foil(a)dhr.ny.gov (718) 741-8422 (718) 741-8256 [Fax] *From:* noreply-openfoil(a)its.ny.gov <its.sm.openfoil(a)its.ny.gov> *Sent:* Sunday, March 27, 2022 9:04 PM *To:* dhr.dl.foil <foil(a)dhr.ny.gov>; records.access(a)exec.ny.gov; dfs.sm.RecordsAccessOfficer <recordsaccessofficer(a)dfs.ny.gov> *Subject:* Open FOIL NY Request From : Gunnar Larson : 2021 Apple Card Report *New FOIL Request for Division of Human Rights, Executive Chamber, Department of Financial Services * Submitted on: 3/27/2022 9:04:01 PM Request Confirmation Number : LARSON_DHR_20220327210401303 LARSON_EXEC_20220327210401303 LARSON_DFS_20220327210401303 *INFORMATION SUBMITTED:* *Title* *First Name* Gunnar *Middle Initial* *Last Name* Larson *E-Mail* g(a)xny.io *Telephone* (646) 454-9107 *Fax* *Affiliation/Organization* xNY.io *Street Address 1* *Street Address 2* *City* *State* NY *Zip Code* 10001 *Country* *USA* *Short Title* 2021 Apple Card Report *Description* Dear Madam or Sir: We would like to receive any and all records, relating to NY-DFS' 2021 Apple Card Investigation. This is one part of a broader discussion we must have about equal credit access. On March 23, 2021, Ms. Linda Lacewell published NY-DFS' Findings on Apple Card and its Underwriter Goldman Sachs Bank. As the former Superintendent of NY-DFS, Ms. Lacewell's stone faced propaganda assured that Apple Card did not discriminate against women, while under Goldman Sachs management. The red flags started to appear when an authorized user drew attention to the following: A person who relies on a spouse's access to credit, and only accesses those accounts as an authorized user, may incorrectly believe they have the same credit profile as the spouse. We recently collated 61 highlights to the Report on Apple Card Investigation from March 2021: https://drive.google.com/file/d/1xH16OKyuXzB-MVqIznMWDE9w8RRdmZCw/view The Apple Card investigation was to assess women's access to equitable finance. The integrity of the Apple Card investigation must be rationally considered as flawed. We would like to receive any and all records of Ms. Linda Lacewell's (emails, texts, and similar) involvement with the 2021 Apple Card report. We would like to receive any and all records to NY-DFS association to evaluating Ms. Linda Lacewell's ability to score a report specific to the Apple Card's core subject of credit access for women. Finally, we would like to receive any and all records related to NY-DFS guidance on Interlocking Directorates ( https://www.dfs.ny.gov/apps_and_licensing/banks_and_trusts/other/Permission…) specific to Apple's Board of Directors and Goldman Sachs' Board of Directors. Thank you, Gunnar Larson *FOIL Response Format* Email *If fees apply, please contact me if costs will be greater than* 25000 *Additional Information* I am a representative of, or affiliated with, the news media and this request is made as part of a news gathering effort , I am an individual seeking information for personal use , I am affiliated with an educational or non-commercial scientific institution, and this request is made for a scholarly or scientific purpose , I am affiliated with a private corporation and am seeking information for use in the company’s business for commercial purpose

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