April 14, 2022
VIA EMAIL
Gunnar Larson
xNY,io
G@xny.io
Dear Mr. Larson:
The Division is in receipt of your Freedom of Information Law (FOIL) request, received 
by the Division on March 28, 2022, in which you requested the following concerning:
2021 Apple Card Report
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 ...

Attached ...

---------- Forwarded message ---------
From: Garvin, Sheila Y (DHR) <Sheila.Garvin@dhr.ny.gov>
Date: Thu, Apr 14, 2022, 4:30 PM
Subject: Larson FOIL 30-Day letter (Apple Card Report)
To: G@xny.io <G@xny.io>
Cc: Paasewe, Siaka (DHR) <Siaka.Paasewe@dhr.ny.gov>


Dear Mr. Larson:

 

Pursuant to your FOIL request, please see the attached.

 

Best,

 

Sheila Garvin

 

 

DHR Records Access Clerk

Legal Management Records Unit

One Fordham Plaza, 4th Floor, Bronx, NY  10458

Tele:  (718) 741-8423/ e-Fax:  (718) 741-8256

foil@dhr.ny.gov

Sheila.Garvin@dhr.ny.gov

www.dhr.ny.gov

 

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