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) < [email protected]> 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] > > [email protected] > > [email protected] > > > > > > *From:* Gunnar Larson <[email protected]> > *Sent:* Tuesday, September 13, 2022 6:50 PM > *To:* Paasewe, Siaka (DHR) <[email protected]> > *Cc:* dhr.dl.foil <[email protected]>; cypherpunks < > [email protected]> > *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) < > [email protected]> 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 > > [email protected] > > [email protected] > > (718) 741-8422 > > (718) 741-8256 [Fax] > > > > > > *From:* [email protected] <[email protected]> > *Sent:* Sunday, March 27, 2022 9:04 PM > *To:* dhr.dl.foil <[email protected]>; [email protected]; > dfs.sm.RecordsAccessOfficer <[email protected]> > *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* > > [email protected] > > *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 > > > >
