Re: response to FOIl request FOIL-2022-090627-018419

older
NYDFS and Goldman Sachs' UNICAF...

Gunnar Larson

2 Nov 2022 2 Nov '22

10:49 a.m.

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 * *xNY.io http://www.xny.io/ - Bank.org http://bank.org/* MSc 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%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB - Digital Currency MBA https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovati... - Entrepreneurship and Innovation (ip) G@xNY.io +1-646-454-9107 New York, New York 10001 On Tue, Nov 1, 2022, 3:24 PM 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

Attachments:

attachment.html (text/html — 4.1 KB)

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Gunnar Larson

8 Dec 8 Dec

6:56 p.m.

New subject: response to FOIl request FOIL-2022-090627-018419

Mr. Bogdan: Any update on this? Gunnar On Wed, Nov 2, 2022, 6:49 AM Gunnar Larson 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 * *xNY.io http://www.xny.io/ - Bank.org http://bank.org/*

MSc 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%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB - Digital Currency MBA https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovati... - Entrepreneurship and Innovation (ip)

G@xNY.io +1-646-454-9107 New York, New York 10001

On Tue, Nov 1, 2022, 3:24 PM 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

Gunnar Larson

23 Dec 23 Dec

9:42 a.m.

New subject: response to FOIl request FOIL-2022-090627-018419

On Wed, Nov 2, 2022, 6:49 AM Gunnar Larson 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 * *xNY.io http://www.xny.io/ - Bank.org http://bank.org/*

MSc 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%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB - Digital Currency MBA https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovati... - Entrepreneurship and Innovation (ip)

G@xNY.io +1-646-454-9107 New York, New York 10001

On Tue, Nov 1, 2022, 3:24 PM 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

Gunnar Larson

30 Dec 30 Dec

7:43 p.m.

New subject: response to FOIl request FOIL-2022-090627-018419

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 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 * *xNY.io http://www.xny.io/ - Bank.org http://bank.org/*

MSc 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%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB - Digital Currency MBA https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovati... - Entrepreneurship and Innovation (ip)

G@xNY.io +1-646-454-9107 New York, New York 10001

On Tue, Nov 1, 2022, 3:24 PM 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

Gunnar Larson

3 Jan 3 Jan

9:47 p.m.

New subject: response to FOIl request FOIL-2022-090627-018419

On Fri, Dec 30, 2022, 2:43 PM Gunnar Larson 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 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 * *xNY.io http://www.xny.io/ - Bank.org http://bank.org/*

MSc 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%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB - Digital Currency MBA https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovati... - Entrepreneurship and Innovation (ip)

G@xNY.io +1-646-454-9107 New York, New York 10001

On Tue, Nov 1, 2022, 3:24 PM 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

Gunnar Larson

6 Jan 6 Jan

8:21 a.m.

New subject: response to FOIl request FOIL-2022-090627-018419

Mr. Bogdan: When should we expect the AppleCard records? Gunnar On Fri, Dec 30, 2022, 2:43 PM Gunnar Larson 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 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 * *xNY.io http://www.xny.io/ - Bank.org http://bank.org/*

MSc 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%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB - Digital Currency MBA https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovati... - Entrepreneurship and Innovation (ip)

G@xNY.io +1-646-454-9107 New York, New York 10001

On Tue, Nov 1, 2022, 3:24 PM 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

Gunnar Larson

12 Jan 12 Jan

10:29 a.m.

New subject: response to FOIl request FOIL-2022-090627-018419

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 wrote:

...

Mr. Bogdan:

When should we expect the AppleCard records?

Gunnar

On Fri, Dec 30, 2022, 2:43 PM Gunnar Larson 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 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 * *xNY.io http://www.xny.io/ - Bank.org http://bank.org/*

MSc 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%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB - Digital Currency MBA https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovati... - Entrepreneurship and Innovation (ip)

G@xNY.io +1-646-454-9107 New York, New York 10001

On Tue, Nov 1, 2022, 3:24 PM 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

Gunnar Larson

16 Jan 16 Jan

12:02 p.m.

New subject: response to FOIl request FOIL-2022-090627-018419

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: https://www.cnbc.com/2023/01/12/jpmorgan-chase-shutters-student-financial-ai... . My very best, Gunnar Gunnar Larson - xNY.io http://www.xny.io/ | Bank.org http://bank.org/MSc 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%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB - Digital Currency MBA https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovati... - Entrepreneurship and Innovation (ip) G@xNY.io +1-646-454-9107 On Thu, Jan 12, 2023, 5:29 AM Gunnar Larson 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 wrote:

...
Mr. Bogdan:

When should we expect the AppleCard records?

Gunnar

On Fri, Dec 30, 2022, 2:43 PM Gunnar Larson 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 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 * *xNY.io http://www.xny.io/ - Bank.org http://bank.org/*

MSc 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%20unic&gclid=Cj0KCQiAyJOBBhDCARIsAJG2h5ctwwMz0MRbVSk-LaYD-GMU5UgDSw7ynxbGr_a7SkaFAZzJc1-pzxEaAi4NEALw_wcB - Digital Currency MBA https://www.unic.ac.cy/business-administration-entrepreneurship-and-innovati... - Entrepreneurship and Innovation (ip)

G@xNY.io +1-646-454-9107 New York, New York 10001

On Tue, Nov 1, 2022, 3:24 PM 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

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Gunnar Larson

Re: response to FOIl request FOIL-2022-090627-018419

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