“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_for_Inte
rlocking_Directors_and_Officers), specific to Apple's Board of Directors and Goldman 
Sachs' Board of Directors.”

---------- Forwarded message ---------
From: JeanBaptiste, Pascale (DFS) <Pascale.JeanBaptiste@dfs.ny.gov>
Date: Wed, Oct 12, 2022, 9:17 PM
Subject: FOIL Request No. 2022-090560 - Larson
To: Gunnar Larson <g@xny.io>
Cc: Garrett, Carmen (DFS) <Carmen.Garrett@dfs.ny.gov>


Dear Gunnar Larson:

 

Please see the attached determination in response to your FOIL request. Thank you.