I eat a lot of apples! I live at Vancouver, BC, Canada and very often find this kind of white stuff in the apples I buy

I used to live in Europe and never saw that before. It very much look like a fungus. Is it? What species is it? What is the geographical range of this species?

When I cut my apples open, I just remove it and assume it did not lay too many mycotoxins in the rest of the apple but when I directly bite into the apple, it has happened to me to eat some of this white stuff. What are the health consequences of it?