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 <foil@dhr.ny.gov>* *Sheila.Garvin@dhr.ny.gov <Sheila.Garvin@dhr.ny.gov>* *www.dhr.ny.gov <http://www.dhr.ny.gov/>* *This transmission and its attachments may contain confidential or privileged information, which is intended for use by the individual or entity to which the transmission is addressed. If you are not the intended recipient, you are hereby notified that any disclosure, dissemination, copying, or distribution of this transmission or its attachments is strictly prohibited. If you have received this transmission in error, please notify the sender immediately at the above address and delete the transmission and its attachments**. ****Due to Covid-19, many of our employees are working remotely. E-Mail is the preferred communication method.