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

Wed Sep 28 08:24:36 PDT 2022

---------- Forwarded message ---------
From: Paasewe, Siaka (DHR) <Siaka.Paasewe at dhr.ny.gov>
Date: Wed, Sep 28, 2022, 11:10 AM
Subject: RE: Open FOIL NY Request From : Gunnar Larson : 2021 Apple Card
Report
To: Gunnar Larson <g at xny.io>
Cc: Allen, Edith (DHR) <Edith.Allen at dhr.ny.gov>, Garvin, Sheila Y (DHR) <
Sheila.Garvin at dhr.ny.gov>

Dear Mr. Larson:

Pursuant to your FOIL appeal, please see the attachment.

Siaka Paasewe

Records Access Officer

NYS Division of Human Rights

One Fordham Plaza, 4th Floor

Bronx, NY 10458

718-741-8422

718-741-8256 [Fax]

Siaka.Paasewe at dhr.ny.gov

foil at dhr.ny.gov

*From:* Gunnar Larson <g at xny.io>
*Sent:* Tuesday, September 13, 2022 6:50 PM
*To:* Paasewe, Siaka (DHR) <Siaka.Paasewe at dhr.ny.gov>
*Cc:* dhr.dl.foil <foil at dhr.ny.gov>; cypherpunks <
cypherpunks at lists.cpunks.org>
*Subject:* Re: Open FOIL NY Request From : Gunnar Larson : 2021 Apple Card
Report

*ATTENTION: This email came from an external source. Do not open
attachments or click on links from unknown senders or unexpected emails.*

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
<https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.cnbc.com%2F2022%2F09%2F12%2Fgoldmans-gs-apple-card-business-has-a-surprising-subprime-problem.html&data=05%7C01%7CSiaka.Paasewe%40dhr.ny.gov%7C312b1e8cc7d544449aed08da95da5903%7Cf46cb8ea79004d108ceb80e8c1c81ee7%7C0%7C0%7C637987062273387194%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=UR%2F8wBvm0Xm6u%2BbbxHKMGMDBwNV7BPCUNEb%2BcOB1qyU%3D&reserved=0>

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
<https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.bloomberg.com%2Fnews%2Farticles%2F2022-08-04%2Fgoldman-says-cfpb-probing-credit-card-billing-refund-practices&data=05%7C01%7CSiaka.Paasewe%40dhr.ny.gov%7C312b1e8cc7d544449aed08da95da5903%7Cf46cb8ea79004d108ceb80e8c1c81ee7%7C0%7C0%7C637987062273387194%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=7uxGA%2BGnMQvGBi8xEC9Wbx9vI9Pm5WPAB7CT6j2DZeg%3D&reserved=0>

 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
<https://gcc02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fdrive.google.com%2Ffile%2Fd%2F1xH16OKyuXzB-MVqIznMWDE9w8RRdmZCw%2Fview&data=05%7C01%7CSiaka.Paasewe%40dhr.ny.gov%7C312b1e8cc7d544449aed08da95da5903%7Cf46cb8ea79004d108ceb80e8c1c81ee7%7C0%7C0%7C637987062273387194%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=GzTXVkmFu0s6gjlg7KzMaoRgIcszpogOSkglnPBxVtA%3D&reserved=0>
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: 22984 bytes
Desc: not available
URL: <https://lists.cpunks.org/pipermail/cypherpunks/attachments/20220928/553f6dab/attachment.txt>
-------------- next part --------------
A non-text attachment was scrubbed...
Name: Larson Appeal response 9-28-22.pdf
Type: application/pdf
Size: 152212 bytes
Desc: not available
URL: <https://lists.cpunks.org/pipermail/cypherpunks/attachments/20220928/553f6dab/attachment-0001.pdf>