FOIL Request No. 2022-090560 - Larson (NY-DFS Apple Card Investigation)

Gunnar Larson g at xny.io
Wed May 10 14:01:26 PDT 2023


Dear Ms. Tomczak:

We sincerely appreciate your note today.

Thank you,

Gunnar

Gunnar Larson
xNY.io - Bank.org
917-580-8053

On Wed, May 10, 2023, 4:58 PM Tomczak, Christine (DFS) <
christine.tomczak at dfs.ny.gov> wrote:

> Dear Mr. Larson,
>
>
>
> I am getting back to you to apologize for the delay and assure you that
> your appeal is under review and you will receive a response in the near
> future.
>
>
>
>
>
> Christine M. Tomczak
>
> Assistant Counsel
>
>
>
> New York State Department of Financial Services
>
> 1 State Street, New York, New York   10004
>
>
>
>
>
> *From:* Gunnar Larson <g at xny.io>
> *Date:* May 9, 2023 at 4:42:58 PM EDT
> *To:* "JeanBaptiste, Pascale (DFS)" <Pascale.JeanBaptiste at dfs.ny.gov>
> *Cc:* "Garrett, Carmen (DFS)" <Carmen.Garrett at dfs.ny.gov>, cypherpunks <
> cypherpunks at lists.cpunks.org>, "Harris, Adrienne A (DFS)" <
> Adrienne.Harris at dfs.ny.gov>
> *Subject:* *Re: FOIL Request No. 2022-090560 - Larson (NY-DFS Apple Card
> Investigation)*
>
> 
>
> *ATTENTION: This email came from an external source. Do not open
> attachments or click on links from unknown senders or unexpected emails.*
>
>
>
> Dear New York State Department of Financial Services:
>
>
>
> From our October 13, 2022 appeal associated with access to NY-DFS' Apple
> Card records, it appears xNY.io - Bank.org has not heard from you.
>
>
>
> Today,  Bloomberg reports that
>
> Goldman is to Pay $215 Million to End Case on Underpaying Women
> https://www.bloomberg.com/news/articles/2023-05-08/goldman-shells-out-215-million-to-end-case-on-underpaying-women.
>
>
>
>
> NY-DFS' Apple Card Report records requested are key to determining any
> collusion between former Superintendent Lacewell and Goldman Sachs
> concerning women's access to Apple Card. It would appear Bloomberg's
> reporting today conflicts with NY-DFS' Apple Card Investigation.
>
>
>
> No response from NY-DFS on our appeal could be suggested as obstruction.
>
>
>
> We seek an update from NY-DFS by 5:00pm tomorrow on our Apple Card FOIL
> records request. Without an update on this matter we will be forced to
> contact the New York State Attorney General's office for urgent assessment,
> with plea to engage New York's False Claims Act.
>
>
>
> Sending you the very best,
>
>
>
> Gunnar
>
>
>
> Gunnar Larson
>
> xNY.io - Bank.org
>
> 917-580-8053
>
>
>
> On Thu, Oct 13, 2022, 4:54 AM Gunnar Larson <g at xny.io> wrote:
>
> Good morning:
>
>
>
> We would like to appeal this decision.
>
>
>
> “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_Inte
>
> rlocking_Directors_and_Officers), specific to Apple's Board of Directors
> and Goldman
>
> Sachs' Board of Directors.”
>
>
>
> Please forgive my candor, but if DFS actually conducted an 'Apple Card
> Investigation' ... There would be some records relating to the
> investigation.
>
>
>
> Warm regards and thank you,
>
>
>
> Gunnar
>
>
>
> Gunnar Larson
>
> xNY.io - Bank.org
>
> 646-454-9107
>
>
>
>
>
> On Wed, Oct 12, 2022, 9:17 PM JeanBaptiste, Pascale (DFS) <
> Pascale.JeanBaptiste at dfs.ny.gov> wrote:
>
> Dear Gunnar Larson:
>
>
>
> Please see the attached determination in response to your FOIL request.
> Thank you.
>
>
>
>
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