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:
   [1]https://www.cnbc.com/2023/01/12/jpmorgan-chase-shutters-student-fina
   ncial-aid-website-frank.html.
   My very best,
   Gunnar
   Gunnar Larson -[2] xNY.io |[3] Bank.org
   [4]MSc - Digital Currency
   [5]MBA - Entrepreneurship and Innovation (ip)
   [6]G@xNY.io  +1-646-454-9107

   On Thu, Jan 12, 2023, 5:29 AM Gunnar Larson <[7]g@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 <[8]g@xny.io> wrote:

   Mr. Bogdan:
   When should we expect the AppleCard records?
   Gunnar

   On Fri, Dec 30, 2022, 2:43 PM Gunnar Larson <[9]g@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 <[10]g@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
   [11]xNY.io - [12]Bank.org
   [13]MSc - Digital Currency
   [14]MBA - Entrepreneurship and Innovation (ip)
   G@xNY.io
   +1-646-454-9107
   New York, New York 10001

   On Tue, Nov 1, 2022, 3:24 PM <[15]George.Bogdan@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

References

   1. https://www.cnbc.com/2023/01/12/jpmorgan-chase-shutters-student-financial-aid-website-frank.html
   2. http://www.xny.io/
   3. http://bank.org/
   4. 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
   5. https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovation-mba-1-5-years-or-3-semesters/
   6. mailto:G@xNY.io
   7. mailto:g@xny.io
   8. mailto:g@xny.io
   9. mailto:g@xny.io
  10. mailto:g@xny.io
  11. http://www.xny.io/
  12. http://bank.org/
  13. 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
  14. https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovation-mba-1-5-years-or-3-semesters/
  15. mailto:George.Bogdan@dfs.ny.gov