Your Freedom of Information Law Request FOIL-2022-090560-018126

Gunnar Larson g at
Mon Sep 12 15:52:16 PDT 2022

Okay. Thank you.

2022-090560: “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: 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 (,
specific to Apple's Board of Directors and Goldman Sachs' Board of

On Mon, Sep 12, 2022, 6:41 PM <Pascale.JeanBaptiste at> wrote:

> Dear Gunnar Larson:
> Please see the attached pertaining to your FOIL request. Thank you.
> Tracking Number:FOIL-2022-090560-018126
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