Ms. Tomczak:
Thank you for the update.
Have a great weekend.
Gunnar
Gunnar Larson
xNY.io - Bank.org
917-580-8053
On Thu, Jun 15, 2023, 5:07 PM Tomczak, Christine (DFS) <
christine.tomczak@dfs.ny.gov> wrote:
Hello Mr. Larson,
I am having a good week, thank you for asking and hope that you are well
too.
You should be receiving something on Apple shortly, however I can’t give
you a date exact.
Christine
*From:* Gunnar Larson <g@xny.io>
*Sent:* Thursday, June 15, 2023 7:04 AM
*To:* Tomczak, Christine (DFS) <christine.tomczak@dfs.ny.gov>
*Cc:* JeanBaptiste, Pascale (DFS) <Pascale.JeanBaptiste@dfs.ny.gov>;
cypherpunks <cypherpunks@lists.cpunks.org>
*Subject:* Re: FOIL Request No. 2022-090560 - Larson (NY-DFS Apple Card
Investigation)
*ATTENTION: This email came from an external source. Do not open
attachments or click on links from unknown senders or unexpected emails.*
Dear Ms. Tomczak:
How are you? I hope all is well.
Might there be an update on the Apple Card records?
Thank you,
Gunnar
On Tue, May 30, 2023, 2:18 PM Tomczak, Christine (DFS) <
christine.tomczak@dfs.ny.gov> wrote:
Hello Mr. Larson,
I am working on your appeal and hope to have a reply to you soon.
Christine
*From:* Gunnar Larson <g@xny.io>
*Sent:* Friday, May 26, 2023 5:03 AM
*To:* Tomczak, Christine (DFS) <christine.tomczak@dfs.ny.gov>
*Cc:* JeanBaptiste, Pascale (DFS) <Pascale.JeanBaptiste@dfs.ny.gov>;
cypherpunks <cypherpunks@lists.cpunks.org>
*Subject:* Re: FOIL Request No. 2022-090560 - Larson (NY-DFS Apple Card
Investigation)
*ATTENTION: This email came from an external source. Do not open
attachments or click on links from unknown senders or unexpected emails.*
Dear Ms. Tomczak:
May we kindly seek an update on our FOIL request to access the Apple Card
investigation records?
Thank you,
Gunnar
Gunnar Larson
xNY.io - Bank.org
917-580-8053
On Wed, May 10, 2023, 4:58 PM Tomczak, Christine (DFS) <
christine.tomczak@dfs.ny.gov> wrote:
Dear Mr. Larson,
I am getting back to you to apologize for the delay and assure you that
your appeal is under review and you will receive a response in the near
future.
Christine M. Tomczak
Assistant Counsel
New York State Department of Financial Services
1 State Street, New York, New York 10004
*From:* Gunnar Larson <g@xny.io>
*Date:* May 9, 2023 at 4:42:58 PM EDT
*To:* "JeanBaptiste, Pascale (DFS)" <Pascale.JeanBaptiste@dfs.ny.gov>
*Cc:* "Garrett, Carmen (DFS)" <Carmen.Garrett@dfs.ny.gov>, cypherpunks <
cypherpunks@lists.cpunks.org>, "Harris, Adrienne A (DFS)" <
Adrienne.Harris@dfs.ny.gov>
*Subject:* *Re: FOIL Request No. 2022-090560 - Larson (NY-DFS Apple Card
Investigation)*
*ATTENTION: This email came from an external source. Do not open
attachments or click on links from unknown senders or unexpected emails.*
Dear New York State Department of Financial Services:
From our October 13, 2022 appeal associated with access to NY-DFS' Apple
Card records, it appears xNY.io - Bank.org has not heard from you.
Today, Bloomberg reports that
Goldman is to Pay $215 Million to End Case on Underpaying Women
https://www.bloomberg.com/news/articles/2023-05-08/goldman-shells-out-215-mi....
NY-DFS' Apple Card Report records requested are key to determining any
collusion between former Superintendent Lacewell and Goldman Sachs
concerning women's access to Apple Card. It would appear Bloomberg's
reporting today conflicts with NY-DFS' Apple Card Investigation.
No response from NY-DFS on our appeal could be suggested as obstruction.
We seek an update from NY-DFS by 5:00pm tomorrow on our Apple Card FOIL
records request. Without an update on this matter we will be forced to
contact the New York State Attorney General's office for urgent assessment,
with plea to engage New York's False Claims Act.
Sending you the very best,
Gunnar
Gunnar Larson
xNY.io - Bank.org
917-580-8053
On Thu, Oct 13, 2022, 4:54 AM Gunnar Larson <g@xny.io> wrote:
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.