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Crypto-Biz Owner's 'Bitcoin Bank America' TM Refused In EU
by Gunnar Larson 30 Sep '24

30 Sep '24

Crypto-Biz Owner's 'Bitcoin Bank America' TM Refused In EU <https://www.law360.co.uk/financial-services-uk/articles/1883298?nl_pk=a94fc…> By Jamie Lennox The owner of a cryptocurrency company cannot register his "Bitcoin Bank America" brand as a trademark in the European Union because it is not distinctive, officials have ruled — as Bank of America Corp. geared up to oppose the application. Read full article » <https://www.law360.co.uk/financial-services-uk/articles/1883298?nl_pk=a94fc…> | Save to favorites » <https://www.law360.co.uk/financial-services-uk/articles/1883298?nl_pk=a94fc…>

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UK Litigation Roundup: Here's What You Missed In London
by Gunnar Larson 30 Sep '24

30 Sep '24

UK Litigation Roundup: Here's What You Missed In London <https://www.law360.co.uk/financial-services-uk/articles/1883317?nl_pk=a94fc…> By Max Austin This past week in London has seen Coca-Cola bring a trademark infringement claim against its former marketing director, Glencore face legal action by American Century ETF Trust, law firm Bishop Lloyd & Jackson defend itself against two solicitors it worked alongside during inquiries into Grenfell Tower, and a U.K. cruise line face a claim by a subsidiary of the sanctioned gambling platform GTLK. Read full article » <https://www.law360.co.uk/financial-services-uk/articles/1883317?nl_pk=a94fc…> | Save to favorites » <https://www.law360.co.uk/financial-services-uk/articles/1883317?nl_pk=a94fc…>

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Watchdog Targets Underperforming Pension Schemes
by Gunnar Larson 30 Sep '24

30 Sep '24

Watchdog Targets Underperforming Pension Schemes <https://www.law360.co.uk/financial-services-uk/articles/1883305?nl_pk=a94fc…> By Joel Poultney Nearly one in five of the defined contribution pension schemes targeted by The Pensions Regulator as part of a regulatory improvement drive have chosen to wind up after the plans themselves concluded their schemes do not offer good value for customers. Read full article » <https://www.law360.co.uk/financial-services-uk/articles/1883305?nl_pk=a94fc…> | Save to favorites » <https://www.law360.co.uk/financial-services-uk/articles/1883305?nl_pk=a94fc…>

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OFSI Issues 1st Fine For Breach Of Ukraine-Tied Sanctions
by Gunnar Larson 30 Sep '24

30 Sep '24

OFSI Issues 1st Fine For Breach Of Ukraine-Tied Sanctions <https://www.law360.co.uk/financial-services-uk/articles/1883429?nl_pk=a94fc…> By Christopher Crosby Britain's sanctions' enforcer has slapped a fine on a concierge company, marking the watchdog's first financial penalty for an alleged breach of the far-reaching financial restrictions imposed following Russia's invasion of Ukraine. Read full article » <https://www.law360.co.uk/financial-services-uk/articles/1883429?nl_pk=a94fc…> | Save to favorites » <https://www.law360.co.uk/financial-services-uk/articles/1883429?nl_pk=a94fc…>

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Santander, Skipton Beat Attempts To Reopen PPI Settlements
by Gunnar Larson 30 Sep '24

30 Sep '24

Santander, Skipton Beat Attempts To Reopen PPI Settlements <https://www.law360.co.uk/financial-services-uk/articles/1883278?nl_pk=a94fc…> By Eddie Beaver Santander Cards UK Ltd. and Skipton Building Society have fought off attempts by customers to revive claims alleging the lenders' offers to compensate them for misselling payment protection insurance were invalid. Read full article » <https://www.law360.co.uk/financial-services-uk/articles/1883278?nl_pk=a94fc…> | Save to favorites » <https://www.law360.co.uk/financial-services-uk/articles/1883278?nl_pk=a94fc…>

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FCA Efforts To Curb Misconduct Surge Behind The Scenes
by Gunnar Larson 30 Sep '24

30 Sep '24

FCA Efforts To Curb Misconduct Surge Behind The Scenes <https://www.law360.co.uk/financial-services-uk/articles/1883400?nl_pk=a94fc…> By Christopher Crosby The Financial Conduct Authority has brought a record number of criminal prosecutions against individuals, yet its crackdown on corporations is happening largely behind the scenes as the regulator challenges misconduct without opening formal investigations. Read full article » <https://www.law360.co.uk/financial-services-uk/articles/1883400?nl_pk=a94fc…> | Save to favorites » <https://www.law360.co.uk/financial-services-uk/articles/1883400?nl_pk=a94fc…>

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Fwd: Your Freedom of Information Law (FOIL) Request FOIL-2024-097305-022595 - Crypto’s Most Powerful Regulator Is Here Adrienne Harris, New York’s Financial Watchdog
by Gunnar Larson 29 Sep '24

29 Sep '24

2024-097305: 3/11/24: Dear Madam or Sir: On March 30, 2022 New York Magazine published a profile of NY-DFS Superintendent Adrienne Harris titled "Crypto’s Most Powerful Regulator Is Here Adrienne Harris, New York’s financial watchdog, has enormous sway over the industry’s future" ( https://nymag.com/intelligencer/2022/03/adrienne-harris-is-cryptos-most-pow…) The profile of Superintendent Harris quotes "... that she would recuse herself from any dealings with companies she has conflicts with." xNY.io - Bank.org seeks access to any and all records specific to Superintendent Harris' recusal(s) as of February 1, 2024. 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 SENT VIA EMAIL G(a)xny.io September 9, 2024 Gunnar D. Larson 406 W. 25th Street New York, NY 10001 Re: Freedom of Information Law (“FOIL”) Tracking No. 2024-097305 Dear Gunnar D. Larson: I write in response to the FOIL request that you submitted to The New York State Department of Financial Services (“Department”), which has been assigned tracking number 2024-097305. The Department requires additional time to respond to your FOIL request because we are still working on your request. The Department intends to provide its determination of your request by October 9, 2024. Thank you. ---------- Forwarded message --------- From: <Idel.Lendoff(a)dfs.ny.gov> Date: Mon, Sep 9, 2024, 5:01 PM Subject: Your Freedom of Information Law (FOIL) Request FOIL-2024-097305-022595 To: <G(a)xny.io> Good afternoon, Attached please find correspondence from the NYS Department of Financial Services, pertaining to your FOIL request. Thank you. Tracking Number:FOIL-2024-097305-022595

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Enron’s Board of Directors: Contemporary Lessons on Crypto Marketplace Manipulation Computer Crimes - Crypto Computer Crimes Manual (W/187 Highlights Attached)
by Gunnar Larson 29 Sep '24

29 Sep '24

A few years ago, I wrote an essay titled: "Enron’s Board of Directors: Contemporary Lessons on Crypto Marketplace Manipulation Computer Crimes - Crypto Computer Crimes Manual (W/183 Highlights) Working references on disclosure controls and procedures, as well as strategic initiatives including mergers and acquisitions, joint ventures, and management restructurings (including public/private board of directors). Full, fair, and accurate disclosures from all parties in a battle for corporate influence or control are critically important to investors, particularly when they are called upon to make decisions about their investments. Contemporary crypto computer crimes likely are key considerations relevant to making informed investment decisions by sophisticated investors, underscoring protection of pension assets via keen planning. BitLicense marketplace manipulation techniques and potential cross-border computer crimes has been a major focus of xNY.io's scholar research/innovation communication and Bank.org's business plan execution strategy. The World Bank (WorldBank.org) notes that vulture funds endanger the gains made by debt relief to poorest countries. "The Bank has already delivered more than $40 billion in debt relief to 30 of these countries...thanks to this, countries like Ghana can provide micro-credit to farmers, build classrooms for their children, and fund water and sanitation projects for the poor," wrote World Bank Vice President Danny Leipziger in 2007. World Bank directors warn that strategies adopted by vulture funds divert much needed debt relief away from the poorest countries on earth and into the bank accounts of the wealthy. Bank.org is clear-eyed; microcredit lending fraud is a major issue for developing economies. Likewise, in western developed economies, market history warns that when boards of directors approve of and/or ignore the misuse of computer software programs which compute values based upon data input formulas from active cross-border manipulation structures, the results can lead to scandals like Enron. Such outcomes cost investors billions of dollars when the share prices of affected companies collapse, while also shaking public confidence in the United States securities markets. Enron’s Board of Directors: Contemporary Lessons on Crypto Marketplace Manipulation Computer Crimes In its 2000 review of best corporate boards, Chief Executive Magazine included Enron among its five best boards. Even with its complex corporate governance and network of intermediaries, Enron was still able to "attract large sums of capital to fund a questionable business model, conceal its true performance through a series of accounting and financing maneuvers, and hype its stock to unsustainable levels."On paper, Enron had a model board of directors comprised predominantly of outsiders with significant ownership stakes and a talented audit committee of various state and federal regulators. Two decades later, in 2021, it is clear that cryptocurrency and blockchain computer software systems require contemporary, ethically pure and sound cultivation to support the realization of a "generation of innovation," maximizing the full potential of blockchain software technologies. Board directors that will pioneer the next chapters of the meaningful New York legacy of global, cross-border banking will agree: Close scrutiny of corporate governance and greater responsibility placed on directors to vouch for the reports submitted to the SEC and other federal agencies have resulted in the growth of computer software solutions such as blockchain systems and processes. Cryptocurrency and Blockchain computer software products allow corporate directors and internal auditors to assemble and analyze financial and other relevant data—including unstructured data—and create reporting required by New York BitLicense regulators and various Federal counterparts. Before its demise, Enron was lauded for its sophisticated software, including financial risk management tools powered by computer software. Risk management was crucial to Enron not only because of its regulatory environment, but also because of its business plan. Enron established long-term fixed commitments which needed to be hedged to prepare for the invariable fluctuation of future energy prices. Enron's downfall was attributed to its reckless use of derivatives and special purpose formulas manipulated by computer accounting software tools. To engage in probable computer crimes, Enron hedged its risks with special purpose entities which it owned, and Enron retained the risks associated with the transactions. Enron's aggressive accounting practices were not hidden from the board of directors, as later learned by a Senate subcommittee. The board was informed of the rationale for using the Whitewing, LJM, and Raptor transactions, and after approving them received status updates on the entities' operations. Although not all of Enron's widespread improper accounting practices were revealed to the board, the practices were dependent on board decisions. Eliminating Bad Board of Director Schemes Ranging from additional corporate board responsibilities to criminal penalties, the Securities and Exchange Commission (SEC) implemented disclosure requirements to comply with the law. A recent SEC order reiterated the importance of the disclosures, noting that the requirements were adopted in order to alert the market to large and rapid accumulation of shares that might represent a possible change in corporate control so that shares can be valued accordingly. The SEC order also noted that the requirements were designed to provide an issuer’s management with timely information to appropriately protect its shareholders’ interests (including pension protections). The SEC’s recent enforcement actions relate to disclosure obligations in connection with M&A transactions and fights for corporate control. In 2015, the SEC brought forth a number of similar enforcement actions alleging that filers had failed to update their disclosures after taking steps towards certain plans and proposals. These types of enforcement actions continue to create challenging issues for practitioners, particularly when potential transactions are still in the early stages of planning and preliminary negotiation. The SEC’s historic actions serve as a reminder to investors, including vulture activists, that Schedule 13D violations can result in monetary liability and, in the case of registered funds and investment advisers, can also have other regulatory consequences. Care must be taken to avoid those communications constituting group activities with disclosure consequences. It should be noted that in some cases, coordination among the parties or sharing of information is sufficient to form prompts for disclosure purposes. Intention of Disclosing Crypto Computer Crimes Manual (W/183 Highlights) Published by the Office of Legal Education Executive office for United States Attorneys, the “Prosecuting Computer Crime Manual” has been xNY.io’s reference guide as international scholars researching Crypto Computer Crimes and how to best position corresponding Bank.org business innovation moving forward. The SEC encourages the description of any plans or proposals such as Proof of Burn (PoB) or Short Selling market activities which may relate to or would result in: The acquisition by any person of additional securities of the issuer, or the disposition of securities of the issuer; An extraordinary corporate transaction, such as a merger, reorganization or liquidation, involving the issuer or any of its subsidiaries; A sale or transfer of a material amount of assets of the issuer or any of its subsidiaries; Any change in the present board of directors or management of the issuer, including any plans or proposals to change the number or term of directors or to fill any existing vacancies on the board; Any material change in the present capitalization or dividend policy of the issuer; Any other material change in the issuer's business or corporate structure, including but not limited to, if the issuer is a registered closed-end investment company, any plans or proposals to make any changes in its investment policy for which a vote is required by section 13 of the Investment Company Act of 1940; Changes in the issuer's charter, bylaws or instruments corresponding thereto or other actions which may impede the acquisition of control of the issuer by any person; Causing a class of securities of the issuer to be delisted from a national securities exchange or to cease to be authorized to be quoted in an inter-dealer quotation system of a registered national securities association; A class of equity securities of the issuer becoming eligible for termination of registration pursuant to section 12(g)(4) of the Act; or Any action similar to any of those enumerated above. Below we share 187 highlights to the Computer Crimes Manual as per best disclosure practices to illustrate various potential scenarios when market conditions are met and a board of directors potentially exploits blockchain technological software innovation with forecastable reckless consequences. https://drive.google.com/file/d/11tbgHgDg8qagomO-NBffvIFpxXKmBC3g/view?usp=…

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Sonic Weapons Affect St. Bernard
by Gunnar Larson 29 Sep '24

29 Sep '24

Brody, the most wonderful St. Bernard on the Planet running around with Havana Syndrome: https://en.wikipedia.org/wiki/Havana_syndrome Honestly, I really respect this technology. It is super cool. I just do not think they thought it would affect a big, beautiful boy like Brody.

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Havana Syndrome, Sonic Weapons - INTERNATIONAL LEGAL INNOVATION
by Gunnar Larson 29 Sep '24

29 Sep '24

Cognitive liberty is not currently recognized as a human right by any international human rights treaty.[11] <https://en.m.wikipedia.org/wiki/Cognitive_liberty#cite_note-Bublitz_and_Mer…> While freedom of thought <https://en.m.wikipedia.org/wiki/Freedom_of_thought> is recognized by Article 18 of the Universal Declaration of Human Rights <https://en.m.wikipedia.org/wiki/Universal_Declaration_of_Human_Rights> (UDHR), freedom of thought can be distinguished from cognitive liberty in that the former is concerned with protecting an individual's freedom to think *whatever* they want, whereas cognitive liberty is concerned with protecting an individual's freedom to think *however* they want.[29] <https://en.m.wikipedia.org/wiki/Cognitive_liberty#cite_note-29> Cognitive liberty seeks to protect an individual's right to determine their own state of mind and be free from external control over their state of mind, rather than just protecting the content of an individuals’ thoughts.[30] <https://en.m.wikipedia.org/wiki/Cognitive_liberty#cite_note-Boire,_Part_II-…> It has been suggested that the lack of protection of cognitive liberty in previous human rights instruments was due to the relative lack of technology capable of directly interfering with mental autonomy at the time the core human rights treaties were created.[21] <https://en.m.wikipedia.org/wiki/Cognitive_liberty#cite_note-Boire,_Part_I-21> Havana Syndrome bred by Sonic Weapon technology more or less is lazyly playing in regulatory arbitrage loopholes related to cognitive liberty. Recently, we went to the SEC for guidance on consolidation of an ILO (Intiatal Legal Offering). As we await engagement with the SEC on the ILO prospect, ILO’s resemble Initial Coin Offerings (ICOs), but rather than raising money for a new coin, app, or service, they’re used to fund specific litigation. Think micro-investing for lawsuits. In an ILO, investors receive tokens entitling them to shares of potential recoveries, an economic right converted to a digital asset. If cases fail, they lose their investments. We are exploring an ILO at the international level (International Criminal Court <https://www.icc-cpi.int/>, International Court of Justice <https://www.icj-cij.org/en>), to solidify the right of Cognitive Liberty. Likely, the broader public will overwhelmly support their individual right to free thinking and systems and processes associated with thinking freely. The New York City Police Department (NYPD) is a pioneer in engaging sonic weapon technology <https://en.wikipedia.org/wiki/Sonic_weapon>, An NYPD officer stands ready with the LRAD 500X at an Occupy Wall Street protest on November 17, 2011 near the city hall. The NYPD conducts experiments and other cutting edge innovation strategies as being America's Best Urban Police Force. It should be considered that the NYPD properly file logs of such technology engagement (aka ... what, when, where, why, how) as xNY.io strives to liberate the semantics related to cognitive thinking liberty. Moreover, while the NYPD pioneers new crowd control technology, other private firms have abused the technology for their own selfish agendas. Keeping all this in mind, one of xNY.io's active engagements is closing the semantic loophole related to cognitive liberty. The SEC likely will provide associated guidance in the coming 2022 year. Happy New Year World! Thank you, Gunnar -- *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

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