response to FOIl request FOIL-2022-090627-018419

[Gunnar Larson]

Mr. Bogdan:

Today, xNY.io - Bank.org is proud to celebrate Martin Luther King Jr. Day.

We have not heard from NYDFS on the UNICAF Scholarship matter below funded
by Goldman Sachs from New York.

Mr. Bogdan, you may have heard JPMorgan Chase last Thursday shut down the
Frank website:

A college financial aid platform it bought for $175 million after alleging
the company’s founder created nearly 4 million fake customer accounts:
https://www.cnbc.com/2023/01/12/jpmorgan-chase-shutters-student-financial-aid-website-frank.html
.

My very best,

Gunnar
Gunnar Larson - xNY.io <http://www.xny.io/> | Bank.org

<http://bank.org/>MSc
<https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&utm_medium=Search&utm_campaign=MSc-Digital-Currency-North-America&utm_term=blockchain%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB>
- Digital Currency
MBA
<https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovation-mba-1-5-years-or-3-semesters/>
- Entrepreneurship and Innovation (ip)
G at xNY.io  +1-646-454-9107

On Thu, Jan 12, 2023, 5:29 AM Gunnar Larson <g at xny.io> wrote:

> Dear George Bogdan:
>
> The AppleCard records are past due. We will be delivering a second set of
> Coinbase records requests soon.
>
> Meanwhile, when can we expect the AppleCard records?
>
> Have a great day.
>
> Thank you,
>
> Gunnar
>
> Gunnar Larson
> xNY.io - Bank.org
> 646-454-9107
>
> On Fri, Jan 6, 2023, 3:21 AM Gunnar Larson <g at xny.io> wrote:
>
>> Mr. Bogdan:
>>
>> When should we expect the AppleCard records?
>>
>> Gunnar
>>
>> On Fri, Dec 30, 2022, 2:43 PM Gunnar Larson <g at xny.io> wrote:
>>
>>> Mr. Bogdan:
>>>
>>> It seems New York should not obstruct justice on any delay of the
>>> AppleCard records.
>>>
>>> Gunnar
>>>
>>> Gunnar Larson
>>> xNY.io - Bank.org
>>> 646-454-9107
>>>
>>> On Wed, Nov 2, 2022, 6:49 AM Gunnar Larson <g at xny.io> wrote:
>>>
>>>> Dear Mr. Bogdan:
>>>>
>>>> Thank you for the note.
>>>>
>>>> We would kindly like to appeal this FOIL records decision.
>>>>
>>>> For example, One Million Black Women's board of directors states
>>>> inclusion of policy and social leadership from Apple. Mr. Bogdan, xNY.io -
>>>> Bank.org has filed another FOIL request concerning DFS' recent "Apple Card
>>>> Report."
>>>>
>>>> The Apple Card Report and associated DFS investigation  focused on
>>>> financial inclusion metrics for women in New York State. Between the Apple
>>>> Card Report and One Million Black Women being under DFS' umbrell of
>>>> oversight, it would appear no records being publicly available would signal
>>>> potential marketplace spoofing.
>>>>
>>>> Furthermore, DFS' "Student Protection Unit" licenses and supervises
>>>> student loan servicers, monitors student-related financial practices in New
>>>> York, and educates and advocates for student consumers and their families
>>>> about available financial products and services.
>>>>
>>>> As a "Bill and Melinda Gates Scholar" and a "Blockchain Scholar" and a
>>>> "Al Neuharth Freedom Forum Scholar" I am aware of a scholarship program
>>>> funded from New York targeting students in Africa. Mr. Bogdan, from New
>>>> York this fund advertises over $100M in scholarships for online degrees for
>>>> students in Africa.
>>>>
>>>> Logic would conclude DFS' Student Protection Unit would hold records on
>>>> this scholarship fund. No records would furthrtmore exacerbate spoofing
>>>> concern of a potential interlocking directorate.
>>>>
>>>> At the very least, DFS records pertaining to mail and/or wire fraud
>>>> related to the department's financial inclusion oversight would be helpful
>>>> to our research.
>>>>
>>>> Have a great day,
>>>>
>>>> Gunnar
>>>> --
>>>> *Gunnar Larson *
>>>> *xNY.io <http://www.xny.io/> - Bank.org <http://bank.org/>*
>>>>
>>>> MSc
>>>> <https://www.unic.ac.cy/blockchain/msc-digital-currency/?utm_source=Google&utm_medium=Search&utm_campaign=MSc-Digital-Currency-North-America&utm_term=blockchain%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB> -
>>>> Digital Currency
>>>> MBA
>>>> <https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovation-mba-1-5-years-or-3-semesters/> - Entrepreneurship
>>>> and Innovation (ip)
>>>>
>>>> G at xNY.io
>>>> +1-646-454-9107
>>>> New York, New York 10001
>>>>
>>>> On Tue, Nov 1, 2022, 3:24 PM <George.Bogdan at dfs.ny.gov> wrote:
>>>>
>>>>> Dear Mr. Larson:
>>>>>
>>>>> My response to your FOIL request is attached.
>>>>>
>>>>> Sincerely,
>>>>> George Bogdan
>>>>> DFS Records Access Officer
>>>>>
>>>>> Tracking Number:FOIL-2022-090627-018419
>>>>>
>>>>
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