Dear Ms. Tomczak: May we kindly seek an update on our FOIL request to access the Apple Card investigation records?
Thank you, Gunnar Gunnar Larson xNY.io - Bank.org 917-580-8053 On Wed, May 10, 2023, 4:58 PM Tomczak, Christine (DFS) < [email protected]> 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 <[email protected]> > *Date:* May 9, 2023 at 4:42:58 PM EDT > *To:* "JeanBaptiste, Pascale (DFS)" <[email protected]> > *Cc:* "Garrett, Carmen (DFS)" <[email protected]>, cypherpunks < > [email protected]>, "Harris, Adrienne A (DFS)" < > [email protected]> > *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 <[email protected]> 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) < > [email protected]> wrote: > > Dear Gunnar Larson: > > > > Please see the attached determination in response to your FOIL request. > Thank you. > > > >
