March 28, 2022

Via Email: 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:

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/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:
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,

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