Dear Ms. Tomczak: We sincerely appreciate your note today. 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)*



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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.