---------- Forwarded message --------- From: Paasewe, Siaka (DHR) <Siaka.Paasewe@dhr.ny.gov> Date: Wed, Sep 28, 2022, 11:10 AM Subject: RE: Open FOIL NY Request From : Gunnar Larson : 2021 Apple Card Report To: Gunnar Larson <g@xny.io> Cc: Allen, Edith (DHR) <Edith.Allen@dhr.ny.gov>, Garvin, Sheila Y (DHR) < Sheila.Garvin@dhr.ny.gov> Dear Mr. Larson: Pursuant to your FOIL appeal, please see the attachment. Siaka Paasewe Records Access Officer NYS Division of Human Rights One Fordham Plaza, 4th Floor Bronx, NY 10458 718-741-8422 718-741-8256 [Fax] Siaka.Paasewe@dhr.ny.gov foil@dhr.ny.gov *From:* Gunnar Larson <g@xny.io> *Sent:* Tuesday, September 13, 2022 6:50 PM *To:* Paasewe, Siaka (DHR) <Siaka.Paasewe@dhr.ny.gov> *Cc:* dhr.dl.foil <foil@dhr.ny.gov>; cypherpunks < cypherpunks@lists.cpunks.org> *Subject:* Re: Open FOIL NY Request From : Gunnar Larson : 2021 Apple Card Report *ATTENTION: This email came from an external source. Do not open attachments or click on links from unknown senders or unexpected emails.* Okay. Thank you. We would like to appeal this result. DHR issued five extensions to the FOIL request. Furthermore, from the time of the initial FOIL request, Apple Card has been subject to several reports of human rights abuses: https://www.cnbc.com/2022/09/12/goldmans-gs-apple-card-business-has-a-surpri... <https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.cnbc.com%2F2022%2F09%2F12%2Fgoldmans-gs-apple-card-business-has-a-surprising-subprime-problem.html&data=05%7C01%7CSiaka.Paasewe%40dhr.ny.gov%7C312b1e8cc7d544449aed08da95da5903%7Cf46cb8ea79004d108ceb80e8c1c81ee7%7C0%7C0%7C637987062273387194%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=UR%2F8wBvm0Xm6u%2BbbxHKMGMDBwNV7BPCUNEb%2BcOB1qyU%3D&reserved=0> Goldman Hit With Probe Into Credit-Card Business by CFPB https://www.bloomberg.com/news/articles/2022-08-04/goldman-says-cfpb-probing... <https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.bloomberg.com%2Fnews%2Farticles%2F2022-08-04%2Fgoldman-says-cfpb-probing-credit-card-billing-refund-practices&data=05%7C01%7CSiaka.Paasewe%40dhr.ny.gov%7C312b1e8cc7d544449aed08da95da5903%7Cf46cb8ea79004d108ceb80e8c1c81ee7%7C0%7C0%7C637987062273387194%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=7uxGA%2BGnMQvGBi8xEC9Wbx9vI9Pm5WPAB7CT6j2DZeg%3D&reserved=0> Please confirm receipt of this email. Gunnar Gunnar Larson xNY.io - Bank.org 646-454-9107 On Tue, Sep 13, 2022, 6:39 PM Paasewe, Siaka (DHR) <Siaka.Paasewe@dhr.ny.gov> wrote: Dear Mr. Larson: Pursuant to your request below, please see the attachment. Siaka Paasewe Records Access Officer NYS Division of Human Rights One Fordham Plaza, 4th Floor Bronx, NY 10458 Siaka.Paasewe@dhr.ny.gov foil@dhr.ny.gov (718) 741-8422 (718) 741-8256 [Fax] *From:* noreply-openfoil@its.ny.gov <its.sm.openfoil@its.ny.gov> *Sent:* Sunday, March 27, 2022 9:04 PM *To:* dhr.dl.foil <foil@dhr.ny.gov>; records.access@exec.ny.gov; dfs.sm.RecordsAccessOfficer <recordsaccessofficer@dfs.ny.gov> *Subject:* Open FOIL NY Request From : Gunnar Larson : 2021 Apple Card Report *New FOIL Request for Division of Human Rights, Executive Chamber, Department of Financial Services * Submitted on: 3/27/2022 9:04:01 PM Request Confirmation Number : LARSON_DHR_20220327210401303 LARSON_EXEC_20220327210401303 LARSON_DFS_20220327210401303 *INFORMATION SUBMITTED:* *Title* *First Name* Gunnar *Middle Initial* *Last Name* Larson *E-Mail* g@xny.io *Telephone* (646) 454-9107 *Fax* *Affiliation/Organization* xNY.io *Street Address 1* *Street Address 2* *City* *State* NY *Zip Code* 10001 *Country* *USA* *Short Title* 2021 Apple Card Report *Description* Dear Madam or Sir: 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 <https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fdrive.google.com%2Ffile%2Fd%2F1xH16OKyuXzB-MVqIznMWDE9w8RRdmZCw%2Fview&data=05%7C01%7CSiaka.Paasewe%40dhr.ny.gov%7C312b1e8cc7d544449aed08da95da5903%7Cf46cb8ea79004d108ceb80e8c1c81ee7%7C0%7C0%7C637987062273387194%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=GzTXVkmFu0s6gjlg7KzMaoRgIcszpogOSkglnPBxVtA%3D&reserved=0> 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_...), specific to Apple's Board of Directors and Goldman Sachs' Board of Directors. Thank you, Gunnar Larson *FOIL Response Format* Email *If fees apply, please contact me if costs will be greater than* 25000 *Additional Information* I am a representative of, or affiliated with, the news media and this request is made as part of a news gathering effort , I am an individual seeking information for personal use , I am affiliated with an educational or non-commercial scientific institution, and this request is made for a scholarly or scientific purpose , I am affiliated with a private corporation and am seeking information for use in the company’s business for commercial purpose