Good morning: We would like to appeal this decision. “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_... rlocking_Directors_and_Officers), specific to Apple's Board of Directors and Goldman Sachs' Board of Directors.” Please forgive my candor, but if DFS actually conducted an 'Apple Card Investigation' ... There would be some records relating to the investigation. Warm regards and thank you, Gunnar Gunnar Larson xNY.io - Bank.org 646-454-9107 On Wed, Oct 12, 2022, 9:17 PM JeanBaptiste, Pascale (DFS) < Pascale.JeanBaptiste@dfs.ny.gov> wrote:
Dear Gunnar Larson:
Please see the attached determination in response to your FOIL request. Thank you.