From New York State's
   Governor's Office: [1]https://drive.google.com/file/d/1Q8uCVdbNwb87m5QW
   srC_b2SLYKkvtPA-/view?usp=sharing
   March 28, 2022
   Via Email: [2]g@xny.io
   Gunnar Larson
   RE: FOIL Request #4072
   Dear Gunnar Larson:
   This letter responds to your correspondence dated March 27, 2022, which
   pursuant to
   FOIL, requested:
   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:
   [3]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
   ([4]https://www.dfs.ny.gov/apps_and_licensing/banks_and_trusts/oth
   er/Permission_for_Interlocking_Directors_and_Officers), specific
   to Apple's Board of Directors and Goldman Sachs' Board of
   Directors. Thank you, Gunnar Larson
   2
   To the extent your request is reasonably described, please be advised
   that the New York
   State Executive Chamber does not maintain records of other state
   agencies and is not the
   custodian of the records requested. You may wish to reach out to the
   New York State
   Department of Financial Services (DFS) for the information that you are
   seeking. You can
   submit your request to their FOIL website at this website:
   [5]https://www.dfs.ny.gov/contact_us/foil_requests
   Pursuant to Public Officers Law § 89(4)(a), you have thirty (30) days
   to take a written
   appeal of this determination. You may appeal by writing: FOIL Appeals
   Officer, Executive
   Chamber, State Capitol, Albany, New York, 12224.
   Very truly yours,
   ---------- Forwarded message ---------
   From: Records_Access <[6]Records.Access@exec.ny.gov>
   Date: Mon, Mar 28, 2022 at 5:00 PM
   Subject: FOIL Request
   To: [7]g@xny.io <[8]g@xny.io>

   Dear Gunnar Larson,


   Please see the attached correspondence in relation to your Freedom of
   Information Law (“FOIL”) request.


   Regards,


   Records Access
   --
   Gunnar Larson - [9]xNY.io | [10]Bank.org
   [11]MSc - Digital Currency
   [12]MBA - Entrepreneurship and Innovation (ip)
   G@xNY.io
   +1-646-454-9107
   New York, New York 10001

References

   1. https://drive.google.com/file/d/1Q8uCVdbNwb87m5QWsrC_b2SLYKkvtPA-/view?usp=sharing
   2. mailto:g@xny.io
   3. https://drive.google.com/file/d/1xH16OKyuXzB-
   4. https://www.dfs.ny.gov/apps_and_licensing/banks_and_trusts/oth
   5. https://www.dfs.ny.gov/contact_us/foil_requests
   6. mailto:Records.Access@exec.ny.gov
   7. mailto:g@xny.io
   8. mailto:g@xny.io
   9. http://www.xNY.io/
  10. http://Bank.org/
  11. 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 unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB
  12. https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovation-mba-1-5-years-or-3-semesters/