response to FOIl request FOIL-2022-090627-018419

[Gunnar Larson]

Dear Mr. Bogdan:

Thank you for the note.

We would kindly like to appeal this FOIL records decision.

For example, One Million Black Women's board of directors states inclusion
of policy and social leadership from Apple. Mr. Bogdan, xNY.io - Bank.org
has filed another FOIL request concerning DFS' recent "Apple Card Report."

The Apple Card Report and associated DFS investigation  focused on
financial inclusion metrics for women in New York State. Between the Apple
Card Report and One Million Black Women being under DFS' umbrell of
oversight, it would appear no records being publicly available would signal
potential marketplace spoofing.

Furthermore, DFS' "Student Protection Unit" licenses and supervises student
loan servicers, monitors student-related financial practices in New York,
and educates and advocates for student consumers and their families about
available financial products and services.

As a "Bill and Melinda Gates Scholar" and a "Blockchain Scholar" and a "Al
Neuharth Freedom Forum Scholar" I am aware of a scholarship program funded
from New York targeting students in Africa. Mr. Bogdan, from New York this
fund advertises over $100M in scholarships for online degrees for students
in Africa.

Logic would conclude DFS' Student Protection Unit would hold records on
this scholarship fund. No records would furthrtmore exacerbate spoofing
concern of a potential interlocking directorate.

At the very least, DFS records pertaining to mail and/or wire fraud related
to the department's financial inclusion oversight would be helpful to our
research.

Have a great day,

Gunnar
--
*Gunnar Larson *
*xNY.io <http://www.xny.io/> - Bank.org <http://bank.org/>*

MSc
<https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&utm_medium=Search&utm_campaign=MSc-Digital-Currency-North-America&utm_term=blockchain%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB>
-
Digital Currency
MBA
<https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovation-mba-1-5-years-or-3-semesters/>
- Entrepreneurship
and Innovation (ip)

G at xNY.io
+1-646-454-9107
New York, New York 10001

On Tue, Nov 1, 2022, 3:24 PM <George.Bogdan at dfs.ny.gov> wrote:

> Dear Mr. Larson:
>
> My response to your FOIL request is attached.
>
> Sincerely,
> George Bogdan
> DFS Records Access Officer
>
> Tracking Number:FOIL-2022-090627-018419
>
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