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

Wed Sep 28 08:25:16 PDT 2022

Thank you very much.

Gunnar

Gunnar Larson
xNY.io - Bank.org
646-454-9107

On Wed, Sep 28, 2022, 11:10 AM Paasewe, Siaka (DHR) <
Siaka.Paasewe at dhr.ny.gov> wrote:

> 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
>
>
>
>
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