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

[Gunnar Larson]

Hello:

Does DHR have any determination on our Apple Card FOIL appeal request?

Warm Regards,

Gunnar

Gunnar Larson
XNY.io - Bank.org

On Tue, Sep 13, 2022, 6:50 PM Gunnar Larson <g at xny.io> wrote:

> 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
>>
>>
>>
>
-------------- next part --------------
A non-text attachment was scrubbed...
Name: not available
Type: text/html
Size: 18757 bytes
Desc: not available
URL: <https://lists.cpunks.org/pipermail/cypherpunks/attachments/20220916/dccf73c7/attachment.txt>