Open FOIL NY Request From : Gunnar Larson : 2021 Apple Card Report

[Gunnar Larson]

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-surprising-subprime-problem.html

Goldman Hit With Probe Into Credit-Card Business by CFPB
https://www.bloomberg.com/news/articles/2022-08-04/goldman-says-cfpb-probing-credit-card-billing-refund-practices

 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 at 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 at dhr.ny.gov
>
> foil at dhr.ny.gov
>
> (718) 741-8422
>
> (718) 741-8256 [Fax]
>
>
>
>
>
> *From:* noreply-openfoil at its.ny.gov <its.sm.openfoil at its.ny.gov>
> *Sent:* Sunday, March 27, 2022 9:04 PM
> *To:* dhr.dl.foil <foil at dhr.ny.gov>; records.access at exec.ny.gov;
> dfs.sm.RecordsAccessOfficer <recordsaccessofficer at 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 at 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
> 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_for_Interlocking_Directors_and_Officers),
> 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
>
>
>
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