Financial Technology

<!DOCTYPE html> <html lang="en" prefix="og: http://ogp.me/ns#"> <head> <meta content="Percussion CM System" name="generator"/> <meta name="perc_linkback" id="perc_linkback" content="FmRkYmVnZ3gHZ2V4AWdgZmN4BmBkY3gTZGRiZWdl"/> <meta http-equiv="Content-Type" content="text/html; charset=UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1.0"> <meta name="format-detection" content="telephone=no"/> <meta name="rx-contenttype" content="occGenericPage"/> <meta name="rx-contentid" content="117022"/> <meta name="group-contentid" content="117022"/> <meta name="rx-contentitemname" content="index-financial-technology"/> <meta name="occ-site" content="OCCGov" /> <meta name="dc.agency" content="Office of the Comptroller of the Currency"/> <meta name="content.owner" content="$lb1" /> <meta name="dc.language" content="en-US" /> <meta name="date.posted" content="2023-04-05 12:00:00"/> <meta name="dc.date" content="2023-04-05 12:00:00"/> <meta name="date.archived" content="" /> <meta name="dc.subject" content="Artificial Intelligence (AI); Bank-Fintech Arrangements; Digital Assets & Tokenization; Financial Technology; Responsible Innovation" /> <meta name="dc.description" content="Technological changes in the banking industry are rapidly evolving. The OCC’s focus in this area includes ensuring and enhancing agency expertise on matters regarding digital assets, fintech partnerships, and other changing technologies and business models within and that affect OCC-supervised banks." /> <meta name="description" content="Technological changes in the banking industry are rapidly evolving. The OCC’s focus in this area includes ensuring and enhancing agency expertise on matters regarding digital assets, fintech partnerships, and other changing technologies and business models within and that affect OCC-supervised banks." />  <meta name="wtta.number" content="104628" /> <meta name="wtta.submitter" content="Stephanie.Collins" /> <meta property="og:site_name" content="OCC.gov"/> <meta property="og:locale" content="en_US"/> <meta property="og:type" content="website"/> <meta name="og:title" content="Financial Technology" /> <meta name="og:description" content="Technological changes in the banking industry are rapidly evolving. The OCC’s focus in this area includes ensuring and enhancing agency expertise on matters regarding digital assets, fintech partnerships, and other changing technologies and business models within and that affect OCC-supervised banks." /> <meta property="og:url" content="https://www.occ.gov/topics/supervision-and-examination/financial-technology/index-financial-technology.html"/> <meta property="og:image" content="https://www.occ.gov/images/c-clamp-images/occ-gov.png"/> <meta property="og:image:alt" content="Comptroller of the Currency" /> <meta name="twitter:card" content="summary_large_image"/> <meta name="twitter:site" content="@USOCC"/> <meta name="twitter:title" content="Financial Technology" /> <meta name="twitter:description" content="Technological changes in the banking industry are rapidly evolving. The OCC’s focus in this area includes ensuring and enhancing agency expertise on matters regarding digital assets, fintech partnerships, and other changing technologies and business models within and that affect OCC-supervised banks." /> <meta property="twitter:url" content="https://www.occ.gov/topics/supervision-and-examination/financial-technology/index-financial-technology.html"/> <meta property="twitter:image" content="https://www.occ.gov/images/c-clamp-images/occ-gov.png"/> <meta property="twitter:image:alt" content="Comptroller of the Currency"/> <meta name="contenttitle" content="Financial Technology" /> <title>Financial Technology | OCC</title> <link rel="preload" href="/fonts/merriweather/Latin-Merriweather-Regular.woff2" as="font" type="font/woff2" crossorigin> <link rel="preload" href="/fonts/open-sans/OpenSans-Regular.woff2" as="font" type="font/woff2" crossorigin> <link rel="preload" href="/fonts/open-sans/OpenSans-SemiBold.woff2" as="font" type="font/woff2" crossorigin> <link rel="preload" href="/fonts/open-sans/OpenSans-Bold.woff2" as="font" type="font/woff2" crossorigin> <link rel="preload" href="/fonts/fontawesome/fa-solid-900.woff2" as="font" type="font/woff2" crossorigin> <script src="/scripts/uswds-init.min.js"></script> <link href="/css/jquery.dataTables.min.css" rel="stylesheet"> <link href="/css/responsive.dataTables.min.css" rel="stylesheet"> <link href="/css/fixedHeader.dataTables.min.css" rel="stylesheet" media="screen"> <link href="/css/buttons.dataTables.min.css" rel="stylesheet" media="screen"> <link href="/css/occgov-dataTables.css" rel="stylesheet"> <link href="/css/import.css" rel="stylesheet"> <script src="/scripts/jquery.min.js"></script> <script src="/scripts/occgov.js"></script> <script src="/scripts/jquery.dataTables.min.js"></script> <script src="/scripts/dataTables.responsive.min.js"></script> <script src="/scripts/dataTables.fixedHeader.min.js"></script> <script src="/scripts/dataTables.buttons.min.js"></script> <script src="/scripts/buttons.print.min.js"></script> <script src="/scripts/moment.min.js"></script> <script src="/scripts/datetime-moment.js"></script> <script src="/scripts/natural.js"></script> <script src="/scripts/occgov-dataTables.js"></script> <script class="init"></script> <script> $(document).ready(function() { var table = $('#example_simple').DataTable( { responsive: true, paging: false, searching: false, lengthChange: false, bInfo: false, bSort: false, order: [] } ); new $.fn.dataTable.FixedHeader( table ); } ); </script> <script> $(document).ready(function() { var table = $('#example_full120848').DataTable( { responsive: true, paging: false, autoWidth: false, searching: false, lengthChange: false, bInfo: false, bSort: false, order: [] } ); new $.fn.dataTable.FixedHeader( table ); } ); </script> <script> $(document).ready(function() { var table = $('#example_full120849').DataTable( { responsive: true, paging: false, autoWidth: false, searching: false, lengthChange: false, bInfo: false, bSort: false, order: [] } ); new $.fn.dataTable.FixedHeader( table ); } ); </script> <script> $(document).ready(function() { var table = $('#example_full120850').DataTable( { responsive: true, paging: false, autoWidth: false, searching: false, lengthChange: false, bInfo: false, bSort: false, order: [] } ); new $.fn.dataTable.FixedHeader( table ); } ); </script> <script> $(document).ready(function() { var table = $('#example_full120851').DataTable( { responsive: true, paging: false, autoWidth: false, searching: false, lengthChange: false, bInfo: false, bSort: false, order: [] } ); new $.fn.dataTable.FixedHeader( table ); } ); </script> <script> $(document).ready(function() { var table = $('#example_full120855').DataTable( { responsive: true, paging: false, autoWidth: false, searching: false, lengthChange: false, bInfo: false, bSort: false, order: [] } ); new $.fn.dataTable.FixedHeader( table ); } ); </script> <link href="/images/occ-seal.gif" rel="icon">  <script async src="//dap.digitalgov.gov/Universal-Federated-Analytics-Min.js?agency=OCC" id="_fed_an_ua_tag"></script> <script async src="/scripts/google-analytics.js"></script> <script async src="//script.crazyegg.com/pages/scripts/0012/5812.js"></script> <script>CE_NO_COOKIES = true;</script> </head> <body id="nav-topicson">  <a href="#main_content" class="usa-skipnav">Skip to main content</a> <span id="backToTop" title="Return to top of page" style="display:none;"> <a href="#top" tabindex="0" role="link" aria-label="Return to top of page"> <span></span> </a> </span> <section id="official-site-banner" class="usa-banner" aria-label="Official government website"> <div class="usa-banner__header"> <div class="usa-banner__inner"> <div class="grid-col-auto"><img src="/images/c-clamp-images/us_flag_small.png" width="16" height="11" class="usa-banner__header-flag" alt="OCC Flag" title="OCC flag" /></div> <div class="grid-col-auto"> <p class="usa-banner__header-text">An official website of the United States government</p> </div> </div> </div> </section> <section id="header-utility"> <div class="header-utility-wrpr grid-container"> <ul class="header-utility-list" role="presentation"> <li class="careers header-utility-list__item"><a href="https://careers.occ.gov/index.html" target="_blank" rel="noopener noreferrer" aria-label="Careers Homepage">Careers</a></li> <li id="QuickAccessNav" class="arrow header-utility-list__item" aria-haspopup="true" aria-expanded="false"><a href="javascript:void(0);" class="button-element" role="button" aria-label="Quick Access menu">Quick Access</a> <div id="utility-dropdown" class="utility-dropdown"> <div class="grid-row grid-gap"> <ul class="grid-col utility-dropdown-list" role="menu"> <li class="header" role="presentation">Most Requested</li> <li role="menuitem"><a href="/topics/supervision-and-examination/bsa/index-bsa.html" role="menuitem" title="Bank Secrecy Act (BSA)">Bank Secrecy Act (BSA)</a></li> <li role="menuitem"><a href="/about/connect-with-us/contact-the-occ/index-contact-the-occ.html" role="menuitem" title="Contact the OCC">Contact Us</a></li> <li role="menuitem"><a href="/topics/consumers-and-communities/cra/index-cra.html" role="menuitem" title="Community Reinvestment Act (CRA)">Community Reinvestment Act (CRA)</a></li> <li role="menuitem"><a href="/publications-and-resources/publications/comptrollers-handbook/index-comptrollers-handbook.html" role="menuitem" title="Comptroller's Handbook ">Comptroller's Handbook</a></li> <li role="menuitem"><a href="https://apps.occ.gov/CAAS_CATS/">Corporate Application Search</a></li> <li role="menuitem"><a href="https://apps.occ.gov/EASearch" role="menuitem" title="Enforcement Actions Search Tool">Enforcement Action Search</a></li> <li role="menuitem"><a href="/topics/charters-and-licensing/financial-institution-lists/index-financial-institution-lists.html" role="menuitem" title="Financial Institution Lists">Financial Institution Lists</a></li> <li role="menuitem"><a href="/news-events/newsroom/index.html" role="menuitem" title="Newsroom">Newsroom</a></li> <li role="menuitem"><a href="/news-issuances/bulletins/2023/bulletin-2023-17.html" role="menuitem" title="Third-Party Relationships">Third-Party Relationships: Interagency Guidance on Risk Management</a></li> </ul> <ul class="grid-col utility-dropdown-list" role="presentation"> <li class="header">More OCC Websites</li> <li> <ul class="more_occ_wrapper" role="menu"> <li class="quickaccess_dropdown" role="menuitem"><a href="https://www.banknet.gov" target="_blank" rel="noopener noreferrer" role="menuitem"><img src="/images/c-clamp-images/quickaccess_banknet.png" width="40" height="38" alt="Banknet quick access" title="Banknet quick access" /><span>BankNet.gov<br /> Find resources for bankers. </span></a></li> <li class="quickaccess_dropdown" role="menuitem"><a href="https://www.helpwithmybank.gov/index.html" target="_blank" rel="noopener noreferrer" role="menuitem" title="Home"><img src="/images/c-clamp-images/quickaccess_helpwith.png" width="40" height="38" alt="" title="HWMB Quick access" /><span>HelpWithMyBank.gov<br /> Get answers to banking questions.</span></a></li> <li class="quickaccess_dropdown" role="menuitem"><a href="https://careers.occ.gov/index.html" target="_blank" rel="noopener noreferrer" role="menuitem" title="Home"><img src="/images/c-clamp-images/quickaccess_search.png" width="40" height="38" alt="Quick Access Search" title="Search quick access" /><span> Careers.occ.gov<br /> Join one of the best places to work. </span></a></li> </ul> </li> </ul> </div> </div> </li> <li id="SearchNav" class="last search header-utility-list__item" aria-haspopup="true" aria-expanded="false"><a href="javascript:void(0);" class="button-element" role="button" aria-label="Search menu">Search</a> <div id="utility-dropdown-search" class="utility-dropdown"> <div class="head-ut-wrpr grid-row grid-gap"> <ul class="head-ut-search grid-col-12" role="presentation"> <li> <div class="search-bar top-search-bar"> <div class="gcse-searchbox-only" data-mobilelayout="disabled" data-resultsurl="/search.html"></div> </div> </li> </ul>  <ul class="head-ut-search-tools head-ut-search__list grid-col-12" role="presentation"> <li class="header">More Search Tools</li> <li class="grid-row grid-gap-3"> <ul class="grid-col-6 head-ut-search-tools__column" role="menu"> <li role="menuitem"><a href="/publications-and-resources/tools/occ-financial-institution-search/index-occ-financial-institution-search.html" class="usa-button usa-button--accent-warm head-ut-search-tools__button" role="button" title="Financial Institution Search">Financial Institution Search</a></li> <li role="menuitem"><a href="/publications-and-resources/tools/index-cra-search.html" class="usa-button usa-button--accent-warm head-ut-search-tools__button" role="button" title="CRA Performance Evaluations">CRA Performance Evaluations Search</a></li> </ul> <ul class="grid-col-6 head-ut-search-tools__column" role="menu"> <li role="menuitem"><a href="https://apps.occ.gov/EASearch" class="usa-button usa-button--accent-warm head-ut-search-tools__button" role="button" title="Enforcement Actions Search Tool">Enforcement Actions Search</a></li> <li role="menuitem"><a href="//apps.occ.gov/CAAS_CATS" class="usa-button usa-button--accent-warm head-ut-search-tools__button" role="button">Corporate Applications Search (CAS)</a></li> </ul> </li> </ul> </div> </div> </li> </ul> </div> </section> <header id="masthead" class="usa-header usa-header--basic">  <div class="usa-nav-container"> <div class="usa-navbar"> <div id="basic-logo" class="usa-logo"><em class="usa-logo__text"><a href="/index.html" title="Home"> <img src="/images/c-clamp-images/occ-logo-des.svg" width="300" height="56" class="occgov-logo-desktop" alt="OCC logo - search" title="OCC logo" /><img src="/images/c-clamp-images/occ-logo-mob.svg" width="300" height="54" class="occgov-logo-mobile" alt="OCC logo - mobile" title="occ-logo-mob-white" /></a></em></div>  <div id="primeNavBtnSearch" class="occgov-search-btn mobile-search" tabindex="0" role="button"><span id="primeNavBtnSearchIco" class="fas icon-search">  </span><span id="primeNavBtnSearchTxt" class="menu-btn-text usa-sr-only notranslate">Search</span></div> <button id="primeNavBtn" class="usa-menu-btn"><span id="primeNavBtnIco" class="fas fa-bars"></span><span id="primeNavBtnTxt" class="menu-btn-text usa-sr-only">Menu</span> </button>  <div class="mobile-search-container"> <div id="mobileSearch" style=" display: none;"> <div class="search-bar mobile-search-bar"> <div class="gcse-searchbox-only" data-mobilelayout="disabled" data-resultsurl="/search.html"></div> </div> </div> </div> </div> <nav id="primeNav" class="usa-nav" aria-label="Primary navigation"> <button class="usa-nav__close"> <img src="/images/c-clamp-images/close.svg" alt="close" role="img"> </button> <ul class="usa-nav__primary usa-accordion"> <li class="usa-nav__primary-item occgov-nav_item--header"> <div class="header-text">Menu</div> </li> <li class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link occgov-nav-accordion__button occgov-animate" aria-haspopup="true" aria-expanded="false" aria-controls="basic-mega-nav-section-one" aria-label="About menu"> <span class="occgov-accordion__button-text">About</span> <span class="fas fa-chevron-down" aria-hidden="true"></span> </button> <div id="basic-mega-nav-section-one" class="usa-nav__submenu usa-megamenu" hidden> <header class="grid-row grid-gap-4"> <div class="blue-more-btn"> <a href="/about/index-about.html" >About Overview</a> </div> </header> <div class="grid-row grid-gap-4 occgov-nav__submenu-main"> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/about/who-we-are/index-who-we-are.html" role="menuitem" > <span class="col-header">Who We Are</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/about/who-we-are/comptroller/index-comptroller-of-the-currency.html" role="menuitem" >Acting Comptroller</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/who-we-are/leadership/index-leadership.html" role="menuitem" >Leadership</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/who-we-are/organizations/index-organization.html" role="menuitem" >Organization</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/who-we-are/locations/index-locations.html" role="menuitem" >Locations</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/who-we-are/history/index-history.html" role="menuitem" >History</a> </li> <li class="usa-nav__submenu-item"> <a href="https://careers.occ.gov/index.html" role="menuitem" >Careers at OCC</a> </li> </ul> </div> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/about/what-we-do/index-what-we-do.html" role="menuitem" > <span class="col-header">What We Do</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/about/what-we-do/annual-report/index.html" role="menuitem" >Annual Report</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/what-we-do/key-data-and-statistics/index-occ-and-federal-banking-system-at-a-glance.html" role="menuitem" >Key Data & Statistics</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/publications/banker-education/files/occ-strategic-plan.html" role="menuitem" >Strategic Plan</a> </li> </ul> </div> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/about/connect-with-us/index-connect-with-us.html" role="menuitem" > <span class="col-header">Connect With Us</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/about/connect-with-us/contact-the-occ/index-contact-the-occ.html" role="menuitem" >Contact the OCC</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/who-we-are/locations/index-locations.html" role="menuitem" >Locations</a> </li> <li class="usa-nav__submenu-item"> <a href="/news-events/media-resources/index-media-resources.html" role="menuitem" >Media Resources</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/connect-with-us/foia/index-foia.html" role="menuitem" >Freedom of Information Act (FOIA)</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/connect-with-us/occ-outreach/index-occ-outreach.html" role="menuitem" >OCC Outreach</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/connect-with-us/public-comments/index-public-comments.html" role="menuitem" >Public Comments</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/connect-with-us/congressional-relations/index-congressional-relations.html" role="menuitem" >Congressional Relations</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/consumers-and-communities/consumer-protection/index-consumer-protection.html" role="menuitem" >Consumer Information</a> </li> <li class="usa-nav__submenu-item"> <a href="https://www.banknet.gov/" role="menuitem" >BankNet</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/information-for/occ-alumni/index-information-for-occ-alumni.html" role="menuitem" >OCC Alumni</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/connect-with-us/whistleblower-protection/index-whistleblower-reporting.html" role="menuitem" >Whistleblower Reporting</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/charters-and-licensing/licensing-office-contacts.html" role="menuitem" >Licensing Office Contacts</a> </li> <div class="usa-col"></div> </div> </div> </li> <li class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link occgov-nav-accordion__button occgov-animate" aria-haspopup="true" aria-expanded="false" aria-controls="basic-mega-nav-section-two" aria-label="News & Events menu"> <span class="occgov-accordion__button-text">News & Events</span> <span class="fas fa-chevron-down" aria-hidden="true"></span> </button> <div id="basic-mega-nav-section-two" class="usa-nav__submenu usa-megamenu" hidden> <header class="grid-row grid-gap-4"> <div class="blue-more-btn"> <a href="/news-events/index-news-events.html" >News & Events Overview</a> </div> </header> <div class="grid-row grid-gap-4 occgov-nav__submenu-main"> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/news-events/newsroom/index.html" role="menuitem" > <span class="col-header">Newsroom</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/news-events/newsroom/?nr=NewsRelease" role="menuitem" target=_top>News Releases</a> </li> <li class="usa-nav__submenu-item"> <a href="https://www.occ.gov/news-events/newsroom/?nr=Bulletin" role="menuitem" target=_top>Bulletins</a> </li> <li class="usa-nav__submenu-item"> <a href="/news-events/newsroom/?nr=Alert" role="menuitem" target=_top>Alerts</a> </li> <li class="usa-nav__submenu-item"> <a href="/news-events/newsroom/?nr=Speech" role="menuitem" target=_top>Speeches</a> </li> <li class="usa-nav__submenu-item"> <a href="/news-events/newsroom/?nr=CongressionalTestimony" role="menuitem" target=_top>Congressional Testimonies</a> </li> <li class="usa-nav__submenu-item"> <a href="https://www.occ.gov/news-events/newsroom/?nr=AdvisoryLetter" role="menuitem" target=_top>Advisory Letters</a> </li> <li class="usa-nav__submenu-item"> <a href="/news-events/newsroom/news-issuances-by-year/index-news-and-issuances-by-year.html" role="menuitem" >News & Issuances By Year</a> </li> </ul> </div> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/news-events/events/index-events.html" role="menuitem" > <span class="col-header">Events</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> </ul> </div> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/news-events/digital-media-library/index-digital-media-library.html" role="menuitem" > <span class="col-header">Digital Media Library</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> </ul> </div> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/news-events/media-resources/index-media-resources.html" role="menuitem" > <span class="col-header">Media Resources</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item col-header-line"> <a href="/news-events/news-and-events-archive/index-news-and-issuance-archive.html" role="menuitem" > <span class="col-header">News & Issuance Archive</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/news-events/news-and-events-archive/rescinded-issuances/index-rescinded-issuances.html" role="menuitem" >Rescinded Issuances</a> </li> </ul> </div> </div> </div> </li> <li class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link occgov-nav-accordion__button occgov-animate" aria-haspopup="true" aria-expanded="false" aria-controls="basic-mega-nav-section-three" aria-label="Publications & Resources menu"> <span class="occgov-accordion__button-text">Publications & Resources</span> <span class="fas fa-chevron-down" aria-hidden="true"></span> </button> <div id="basic-mega-nav-section-three" class="usa-nav__submenu usa-megamenu" hidden> <header class="grid-row grid-gap-4"> <div class="blue-more-btn"> <a href="/publications-and-resources/index-publications-and-resources.html" >Publications & Resources Overview</a> </div> </header> <div class="grid-row grid-gap-4 occgov-nav__submenu-main"> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/publications-and-resources/publications/index-publications.html" role="menuitem" > <span class="col-header">Publications</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/publications/comptrollers-handbook/index-comptrollers-handbook.html" role="menuitem" >Comptroller's Handbook</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/publications/comptrollers-licensing-manual/index-comptrollers-licensing-manual.html" role="menuitem" >Comptroller's Licensing Manual</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/publications/mortgage-metrics-reports/index-mortgage-metrics-reports.html" role="menuitem" >Mortgage Metrics Report</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/publications/semiannual-risk-perspective/index-semiannual-risk-perspective.html" role="menuitem" >Semiannual Risk Perspective</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/publications/index-publications.html" role="menuitem" >All Publications</a> </li> </ul> </div> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/publications-and-resources/tools/index-tools.html" role="menuitem" > <span class="col-header">Tools</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="https://www.banknet.gov/entrance/default.html" role="menuitem" >BankNet</a> </li> <li class="usa-nav__submenu-item"> <a href="https://apps.occ.gov/CAAS_CATS/" role="menuitem" target='_blank' rel='noopener noreferrer'>Corporate Applications Search (CAS)</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/tools/occ-financial-institution-search/index-occ-financial-institution-search.html" role="menuitem" >Financial Institution Search</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/tools/index-tools.html" role="menuitem" >All Tools</a> </li> </ul> </div> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/publications-and-resources/forms/index-forms.html" role="menuitem" > <span class="col-header">Forms</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/forms/dodd-frank-act-stress-test/index-dodd-frank-act-stress-test.html" role="menuitem" >Dodd-Frank Act Stress Test</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/publications/comptrollers-licensing-manual/files/licensing-filing-forms.html" role="menuitem" >Licensing Filing Forms</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/forms/sar-program/index-sar-program.html" role="menuitem" >Suspicious Activity Report (SAR) Program</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/forms/index-forms.html" role="menuitem" >All Forms</a> </li> </ul> </div> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/publications-and-resources/information-for/index-information-for.html" role="menuitem" > <span class="col-header">Information For...</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/information-for/bankers/index-information-for-bankers.html" role="menuitem" >Bankers and Bank Directors</a> </li> <li class="usa-nav__submenu-item"> <a href="https://www.helpwithmybank.gov/index.html" role="menuitem" >Bank Customers</a> </li> <li class="usa-nav__submenu-item"> <a href="/news-events/media-resources/index-media-resources.html" role="menuitem" >Media Representatives</a> </li> <li class="usa-nav__submenu-item"> <a href="https://careers.occ.gov/index.html" role="menuitem" >Job Seekers</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/information-for/occ-alumni/index-information-for-occ-alumni.html" role="menuitem" >OCC Alumni</a> </li> </ul> </div> </div> </div> </li> <li class="usa-nav__primary-item"> <button class="usa-accordion__button usa-nav__link occgov-nav-accordion__button occgov-animate" aria-haspopup="true" aria-expanded="false" aria-controls="basic-mega-nav-section-four" aria-label="Topics menu"> <span class="occgov-accordion__button-text">Topics</span> <span class="fas fa-chevron-down" aria-hidden="true"></span> </button> <div id="basic-mega-nav-section-four" class="usa-nav__submenu usa-megamenu" hidden> <header class="grid-row grid-gap-4"> <div class="blue-more-btn"> <a href="/topics/index-topics.html" >Topics Overview</a> </div> </header> <div class="grid-row grid-gap-4 occgov-nav__submenu-main"> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/topics/supervision-and-examination/index-supervision-and-examination.html" role="menuitem" > <span class="col-header">Supervision & Examination</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/supervision-and-examination/bank-management/index-bank-management.html" role="menuitem" >Bank Management</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/supervision-and-examination/bank-operations/index-bank-operations.html" role="menuitem" >Bank Operations</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/supervision-and-examination/bsa/index-bsa.html" role="menuitem" >Bank Secrecy Act (BSA)</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/supervision-and-examination/capital/index-capital.html" role="menuitem" >Capital</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/supervision-and-examination/capital-markets/index-capital-markets.html" role="menuitem" >Capital Markets</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/supervision-and-examination/climate/index-climate.html" role="menuitem" >Climate-Related Financial Risks</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/consumers-and-communities/cra/index-cra.html" role="menuitem" >Community Reinvestment Act (CRA)</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/supervision-and-examination/consumer-compliance/index-consumer-compliance.html" role="menuitem" >Consumer Compliance</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/supervision-and-examination/credit/index-credit.html" role="menuitem" >Credit</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/supervision-and-examination/dispute-resolution/index-dispute-resolution.html" role="menuitem" >Dispute Resolution</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/supervision-and-examination/examinations/index-examinations.html" role="menuitem" >Examinations</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/supervision-and-examination/financial-technology/index-financial-technology.html" role="menuitem" >Financial Technology</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/supervision-and-examination/international-banking/index-international-banking.html" role="menuitem" >International Banking</a> </li> </ul> </div> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/topics/economics/index-economics.html" role="menuitem" > <span class="col-header">Economics</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/publications/economics/index-economics-publications.html#105749" role="menuitem" >On Point</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/publications/economics/index-economics-publications.html#108722" role="menuitem" >Economic Snapshot Reports</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/publications/economics/index-economics-publications.html#105457" role="menuitem" >OCC Working Papers</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/who-we-are/history/moments-in-history/index-moments-in-history.html" role="menuitem" >Moments in History</a> </li> <li class="usa-nav__submenu-item"> <a href="/about/who-we-are/organizations/supervision-risk-and-analysis/meet-the-research-economists/index-meet-our-research-economists.html" role="menuitem" >Meet Our Research Economists</a> </li> <li class="usa-nav__submenu-item col-header-line"> <a href="/topics/laws-and-regulations/index-laws-and-regulations.html" role="menuitem" > <span class="col-header">Laws & Regulations</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/laws-and-regulations/occ-regulations/index-occ-regulations.html" role="menuitem" >OCC Regulations</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/laws-and-regulations/enforcement-actions/index-enforcement-actions.html" role="menuitem" >Enforcement Actions</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/laws-and-regulations/interpretations-and-precedents/index-interpretations-and-precedents.html" role="menuitem" >Interpretations & Precedents</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/laws-and-regulations/litigation/index-litigation.html" role="menuitem" >Litigation</a> </li> </ul> </div> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/topics/charters-and-licensing/index-charters-licensing.html" role="menuitem" > <span class="col-header">Charters & Licensing</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/publications/comptrollers-licensing-manual/index-comptrollers-licensing-manual.html" role="menuitem" >Comptroller's Licensing Manual</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/charters-and-licensing/financial-institution-lists/index-financial-institution-lists.html" role="menuitem" >Financial Institution Lists</a> </li> <li class="usa-nav__submenu-item"> <a href="https://apps.occ.gov/CAAS_CATS/" role="menuitem" >Corporate Application Search (CAS)</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/charters-and-licensing/weekly-bulletin/index-weekly-bulletin.html" role="menuitem" >Weekly Bulletin</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/charters-and-licensing/interpretations-and-actions/index-interpretations-and-actions.html" role="menuitem" >Interpretations & Actions</a> </li> <li class="usa-nav__submenu-item"> <a href="/publications-and-resources/publications/comptrollers-licensing-manual/files/licensing-filing-forms.html" role="menuitem" >Licensing Filing Forms</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/charters-and-licensing/public-comment/index-public-comments-on-applications.html" role="menuitem" >Public Comments on Applications</a> </li> </ul> </div> <div class="usa-col"> <ul class="usa-nav__submenu-list"> <li class="usa-nav__submenu-item col-header-line"> <a href="/topics/consumers-and-communities/index-consumers-and-communities.html" role="menuitem" > <span class="col-header">Consumers & Communities</span> <span class="fas fa-chevron-circle-right"></span> </a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/consumers-and-communities/community-affairs/index-community-affairs.html" role="menuitem" >Community Affairs</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/consumers-and-communities/cra/index-cra.html" role="menuitem" >Community Reinvestment Act (CRA)</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/consumers-and-communities/consumer-protection/index-consumer-protection.html" role="menuitem" >Consumer Protection</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/consumers-and-communities/community-affairs/resource-directories/financial-literacy/index-financial-literacy-resource-directory.html" role="menuitem" >Financial Literacy</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/consumers-and-communities/minority-outreach/index-minority-outreach.html" role="menuitem" >Minority Outreach</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/consumers-and-communities/project-reach/project-reach.html" role="menuitem" >Project REACh</a> </li> <li class="usa-nav__submenu-item"> <a href="/topics/consumers-and-communities/public-bank-information/index-public-bank-information.html" role="menuitem" >Public Bank Information</a> </li> </ul> </div> </div> </div> </li> <li class="usa-nav__primary-item mobile-menu-item"> <section class="usa-banner" aria-label="Official government website"> <div class="usa-banner__header"> <div class="usa-banner__inner"> <div class="grid-col-auto"> <img class="usa-banner__header-flag" src="/images/c-clamp-images/us_flag_small.png" alt="U.S. flag"> </div> <div class="grid-col-fill"> <p class="usa-banner__header-text">An official website of the <span class="display-inline-block">United States government</span></p> </div> </div> </div> </section> </li> </ul> </nav> </div>  </header>   <section id="site-content" class="usa-section"> <div class="grid-container"> <div class="grid-row grid-gap">  <aside class="usa-layout-docs__sidenav desktop:grid-col-3"> <nav aria-label="Secondary navigation"> <h2><a href="/topics/index-topics.html">Topics</a></h2> <ul class="usa-sidenav"> <li class="usa-sidenav__item"> <a href="/topics/supervision-and-examination/index-supervision-and-examination.html">Supervision & Examination</a> <ul class="usa-sidenav__sublist"> <li class="usa-sidenav__item"><a href="/topics/supervision-and-examination/bank-management/index-bank-management.html">Bank Management</a></li> <li class="usa-sidenav__item"><a href="/topics/supervision-and-examination/bank-operations/index-bank-operations.html">Bank Operations</a></li> <li class="usa-sidenav__item"><a href="/topics/supervision-and-examination/bsa/index-bsa.html">Bank Secrecy Act (BSA)</a></li> <li class="usa-sidenav__item"><a href="/topics/supervision-and-examination/capital/index-capital.html">Capital</a></li> <li class="usa-sidenav__item"><a href="/topics/supervision-and-examination/capital-markets/index-capital-markets.html">Capital Markets</a></li> <li class="usa-sidenav__item"><a href="/topics/supervision-and-examination/climate/index-climate.html">Climate-Related Financial Risks</a></li> <li class="usa-sidenav__item"><a href="/topics/consumers-and-communities/cra/index-cra.html">Community Reinvestment Act (CRA)</a></li> <li class="usa-sidenav__item"><a href="/topics/supervision-and-examination/consumer-compliance/index-consumer-compliance.html">Consumer Compliance</a></li> <li class="usa-sidenav__item"><a href="/topics/supervision-and-examination/credit/index-credit.html">Credit</a></li> <li class="usa-sidenav__item"><a href="/topics/supervision-and-examination/dispute-resolution/index-dispute-resolution.html">Dispute Resolution</a></li> <li class="usa-sidenav__item"><a href="/topics/supervision-and-examination/examinations/index-examinations.html">Examinations</a></li> <li class="usa-sidenav__item"><a class="usa-current" href="/topics/supervision-and-examination/financial-technology/index-financial-technology.html">Financial Technology</a> </li> <li class="usa-sidenav__item"><a href="/topics/supervision-and-examination/international-banking/index-international-banking.html">International Banking</a></li> </ul> </li> <li class="usa-sidenav__item"> <a href="/topics/economics/index-economics.html">Economics</a> </li> <li class="usa-sidenav__item"> <a href="/topics/laws-and-regulations/index-laws-and-regulations.html">Laws & Regulations</a> </li> <li class="usa-sidenav__item"> <a href="/topics/charters-and-licensing/index-charters-licensing.html">Charters & Licensing</a> </li> <li class="usa-sidenav__item"> <a href="/topics/consumers-and-communities/index-consumers-and-communities.html">Consumers & Communities</a> </li> </ul> </nav> </aside>  <section id="occgov_content_section" class="usa-layout-docs__main desktop:grid-col-9 usa-layout-docs">   <section class="grid-row grid-gap occgov-breadcrumb"> <div class="grid-col breadcrumb"> <ul class="usa-list usa-list--unstyled grid-row grid-gap"> <li><a href="/index.html">Home</a></li> <li><a href="/topics/index-topics.html">Topics</a></li> <li><a href="/topics/supervision-and-examination/index-supervision-and-examination.html">Supervision & Examination</a></li> <li><a href="/topics/supervision-and-examination/financial-technology/index-financial-technology.html">Financial Technology</a></li> </ul> </div> </section>   <main id="main_content"> <h1>Financial Technology</h1>  <script async src='//platform-api.sharethis.com/js/sharethis.js#property=642f2edb1cdb86001a1ecf3e&product=inline-share-buttons'></script> <section class="occgov-section__share grid-row grid-gap"> <div class="grid-col"> <div class="share-icons"> <p>Share This Page:</p> <ul> <li class="sharethis-inline-share-buttons"></li> </ul> </div> </div> </section>  <section class="occgov-section__intro"> <p>Technological changes in the banking industry are rapidly evolving. The OCC’s focus in the financial technology area includes matters involving bank-fintech arrangements, artificial intelligence, digital assets and tokenization, as well as other new and changing technologies and business models that affect OCC-supervised banks.</p> </section> <section class="occgov-section__content"> <style> hr { visibility: hidden; } table.dataTable.no-footer { border-bottom: 1px solid #ddd; } .dataTables_wrapper { margin-bottom: 0; } </style> <p>The OCC established the Office of Financial Technology (OFT) in March 2023 to expand and build upon the Office of Innovation, which the agency launched in 2016. The OFT serves as the central point of contact and clearinghouse for requests and information related to financial technology.</p> <section class="occgov-section__card-group"> <ul class="usa-card-group"> <li class="tablet-lg:grid-col usa-card"> <div class="usa-card__container bg-base-lightest"> <div class="usa-card__header"> <h3 class="usa-card__heading" data-content="Contact Us">Contact The Office of Financial Technology</h3> </div> <div class="usa-card__body"></div> <div class="usa-card__footer"><a href="mailto:OFT@occ.treas.gov" class="usa-button margin-y-1">Contact the OFT</a></div> </div> </li> <li class="tablet-lg:grid-col usa-card"> <div class="usa-card__container bg-base-lightest"> <div class="usa-card__header"> <h3 class="usa-card__heading" data-content="Get OCC Updates">Get Financial Technology Updates</h3> </div> <div class="usa-card__body"> <p>Sign up for our email list.</p> </div> <div class="usa-card__footer"> <form id="GD-snippet-form-occ" class="occgov-form" action="https://public.govdelivery.com/accounts/USTREASOCC/subscribers/qualify" accept-charset="UTF-8" method="post"><input name="utf8" type="hidden" value="✓" /><input type="hidden" name="topic_id" id="topic_id" value="USTREASOCC_8" /> <fieldset class="usa-fieldset"> <div class="occgov-input-group"><label for="email" class="usa-label usa-sr-only">Email Address</label> <input class="usa-input width-full" type="text" name="email" size="55" placeholder="Enter your email" id="subscribe" /><input class="usa-button" type="submit" name="commit" value="Subscribe" data-disable-with="Submit" /></div> </fieldset> </form> </div> </div> </li> </ul> </section> <h2>Financial Technology Topics</h2> <div class="usa-accordion" aria-multiselectable="true" role="tablist"> <ul class="usa-button-group"> <li class="usa-button-group__item"> <button class="usa-button usa-button--secondary usa-button--outline expand-all" role="button"> Expand All <svg class="usa-icon" aria-hidden="true" focusable="false" role="img"> <use xlink:href="/images/c-clamp-images/sprite.svg#unfold_more"></use> </svg> </button> </li> <li class="usa-button-group__item"> <button class="usa-button usa-button--secondary usa-button--outline collapse-all" role="button"> Collapse All <svg class="usa-icon" aria-hidden="true" focusable="false" role="img"> <use xlink:href="/images/c-clamp-images/sprite.svg#unfold_less"></use> </svg> </button> </li> </ul> <h3 class="usa-accordion__heading" role="tab" aria-label="Expand Accordion by continuing to button"> <button id="button-m-a-120555-1" class="occgov-accordion__button occgov-animate" aria-expanded="false" aria-controls="m-a-120555-1"> <span class="occgov-accordion__button--text">Bank-Fintech Arrangements </span> <span class="occgov-accordion__button--icon-container"> <span class="icon-text" aria-hidden="true">Show</span> <span class="fas fa-plus-circle" aria-hidden="true"></span> </span> </button> </h3> <div id="m-a-120555-1" class="usa-accordion__content occgov-accordion__content" role="tabpanel"> <div class="occgov-accordion__content--inner">  <section class="occgov-container__table"> <table class="row-border stripe dt-right dataTable no-footer dtr-inline" id="example_full120848" role="grid" aria-describedby="example_full_info" style=" width: 100%;"> <thead text-align='left'><tr><th tabindex='0' halign='left' width='10%' class='NRDATE'>Date</th><th tabindex='0' width='15%' class='NRID'>ID</th><th tabindex='0' width='80%'>Title</th></tr></thead><tbody> <tr> <td data-column="Date">09/13/2024</td> <td data-column="ID">NR 2024-100</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-ia-2024-100.html">Agencies Extend Comment Period on Request for Information on Bank-Fintech Arrangements</a></td> </tr> <tr> <td data-column="Date">07/25/2024</td> <td data-column="ID">NR 2024-85</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-ia-2024-85.html">Agencies Remind Banks of Potential Risks Associated with Third-Party Deposit Arrangements and Request Additional Information on Bank-Fintech Arrangements</a></td> </tr> <tr> <td data-column="Date">07/17/2024</td> <td data-column="ID">NR 2024-79</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-occ-2024-79.html">Acting Comptroller Discusses Trends Reshaping Banking</a></td> </tr> <tr> <td data-column="Date">05/03/2024</td> <td data-column="ID">NR 2024-46</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-ia-2024-46.html">Agencies Issue Guide to Assist Community Banks to Develop and Implement Third-Party Risk Management Practices</a></td> </tr> <tr> <td data-column="Date">06/06/2023</td> <td data-column="ID">NR 2023-53</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-ia-2023-53.html">Agencies Issue Final Guidance on Third-Party Risk Management</a></td> </tr> <tr> <td data-column="Date">08/27/2021</td> <td data-column="ID">NR 2021-85</td> <td data-column="Title"><a href="/news-issuances/news-releases/2021/nr-ia-2021-85.html">Agencies Issue Guide to Help Community Banks Evaluate Fintech Relationships</a></td> </tr> </tbody> </table> </section>  <span style=" float: right; margin-bottom: 15px; font-size: 1rem;"><a href="https://www.occ.gov/news-events/newsroom/?q=&nr=NewsRelease,Bulletin,Alert,Speech,CongressionalTestimony,AdvisoryLetter&topic=21&dte=0&from=&to=" title="Newsroom: Bank Fintech Arrangements">View all ></a></span> </div> </div> <h3 class="usa-accordion__heading" role="tab" aria-label="Expand Accordion by continuing to button"> <button id="button-m-a-120555-2" class="occgov-accordion__button occgov-animate" aria-expanded="false" aria-controls="m-a-120555-2"> <span class="occgov-accordion__button--text">Digital Assets and Tokenization </span> <span class="occgov-accordion__button--icon-container"> <span class="icon-text" aria-hidden="true">Show</span> <span class="fas fa-plus-circle" aria-hidden="true"></span> </span> </button> </h3> <div id="m-a-120555-2" class="usa-accordion__content occgov-accordion__content" role="tabpanel"> <div class="occgov-accordion__content--inner">  <section class="occgov-container__table"> <table class="row-border stripe dt-right dataTable no-footer dtr-inline" id="example_full120849" role="grid" aria-describedby="example_full_info" style=" width: 100%;"> <thead text-align='left'><tr><th tabindex='0' halign='left' width='10%' class='NRDATE'>Date</th><th tabindex='0' width='15%' class='NRID'>ID</th><th tabindex='0' width='80%'>Title</th></tr></thead><tbody> <tr> <td data-column="Date">05/16/2024</td> <td data-column="ID">NR 2024-52</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-occ-2024-52.html">Acting Comptroller Testifies on Agency Activities</a></td> </tr> <tr> <td data-column="Date">02/22/2024</td> <td data-column="ID">NR 2024-18</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-occ-2024-18.html">Acting Comptroller Discusses Consolidated Supervision of Crypto-Asset Intermediaries</a></td> </tr> <tr> <td data-column="Date">11/13/2023</td> <td data-column="ID">NR 2023-123</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-occ-2023-123.html">Registration Open for OCC Symposium on the Tokenization of Real-World Assets and Liabilities</a></td> </tr> <tr> <td data-column="Date">10/18/2023</td> <td data-column="ID">NR 2023-114</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-occ-2023-114.html">OCC to Host Symposium on the Tokenization of Real-World Assets and Liabilities</a></td> </tr> <tr> <td data-column="Date">06/16/2023</td> <td data-column="ID">NR 2023-64</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-occ-2023-64.html">Acting Comptroller Discusses Tokenization, Artificial Intelligence</a></td> </tr> <tr> <td data-column="Date">03/06/2023</td> <td data-column="ID">NR 2023-23</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-occ-2023-23.html">Acting Comptroller Discusses Trust in Global Banking, Lessons for Crypto</a></td> </tr> <tr> <td data-column="Date">02/23/2023</td> <td data-column="ID">NR 2023-18</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-ia-2023-18.html">Agencies Issue Joint Statement on Liquidity Risks Resulting from Crypto-Asset Market Vulnerabilities </a></td> </tr> <tr> <td data-column="Date">01/03/2023</td> <td data-column="ID">NR 2023-1</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-ia-2023-1.html">Agencies Issue Joint Statement on Crypto-Asset Risks to Banking Organizations</a></td> </tr> <tr> <td data-column="Date">11/17/2022</td> <td data-column="ID">NR 2022-139</td> <td data-column="Title"><a href="/news-issuances/news-releases/2022/nr-occ-2022-139.html">Acting Comptroller Emphasizes Caution with Crypto</a></td> </tr> <tr> <td data-column="Date">11/16/2022</td> <td data-column="ID">NR 2022-138</td> <td data-column="Title"><a href="/news-issuances/news-releases/2022/nr-occ-2022-138.html">Acting Comptroller of the Currency Discusses Regulatory Priorities</a></td> </tr> </tbody> </table> </section>  <span style=" float: right; margin-bottom: 15px; font-size: 1rem;"><a href="https://www.occ.gov/news-events/newsroom/?q=&nr=NewsRelease,Bulletin,Alert,Speech,CongressionalTestimony,AdvisoryLetter&topic=81&dte=0&from=&to=" title="Newsroom: Digital Assets and Tokenization">View all ></a></span> </div> </div> <h3 class="usa-accordion__heading" role="tab" aria-label="Expand Accordion by continuing to button"> <button id="button-m-a-120555-3" class="occgov-accordion__button occgov-animate" aria-expanded="false" aria-controls="m-a-120555-3"> <span class="occgov-accordion__button--text">Artificial Intelligence and Machine Learning </span> <span class="occgov-accordion__button--icon-container"> <span class="icon-text" aria-hidden="true">Show</span> <span class="fas fa-plus-circle" aria-hidden="true"></span> </span> </button> </h3> <div id="m-a-120555-3" class="usa-accordion__content occgov-accordion__content" role="tabpanel"> <div class="occgov-accordion__content--inner">  <section class="occgov-container__table"> <table class="row-border stripe dt-right dataTable no-footer dtr-inline" id="example_full120850" role="grid" aria-describedby="example_full_info" style=" width: 100%;"> <thead text-align='left'><tr><th tabindex='0' halign='left' width='10%' class='NRDATE'>Date</th><th tabindex='0' width='15%' class='NRID'>ID</th><th tabindex='0' width='80%'>Title</th></tr></thead><tbody> <tr> <td data-column="Date">06/16/2023</td> <td data-column="ID">NR 2023-64</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-occ-2023-64.html">Acting Comptroller Discusses Tokenization, Artificial Intelligence</a></td> </tr> <tr> <td data-column="Date">03/30/2023</td> <td data-column="ID">NR 2023-30</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-occ-2023-30.html">Acting Comptroller Emphasizes Focus on Safe and Sound Banking System, Discusses Elevating Fairness in Banking</a></td> </tr> <tr> <td data-column="Date">05/13/2022</td> <td data-column="ID">NR 2022-52</td> <td data-column="Title"><a href="/news-issuances/news-releases/2022/nr-occ-2022-52.html">Deputy Comptroller Testifies on Artificial Intelligence</a></td> </tr> </tbody> </table> </section>  <span style=" float: right; margin-bottom: 15px; font-size: 1rem;"><a href="https://www.occ.gov/news-events/newsroom/?q=&nr=NewsRelease,Bulletin,Alert,Speech,CongressionalTestimony,AdvisoryLetter&topic=7&dte=0&from=&to=" title="Newsroom: Artificial Intelligence ">View all ></a></span> </div> </div> <h3 class="usa-accordion__heading" role="tab" aria-label="Expand Accordion by continuing to button"> <button id="button-m-a-120555-4" class="occgov-accordion__button occgov-animate" aria-expanded="false" aria-controls="m-a-120555-4"> <span class="occgov-accordion__button--text">Other Financial Technology Topics </span> <span class="occgov-accordion__button--icon-container"> <span class="icon-text" aria-hidden="true">Show</span> <span class="fas fa-plus-circle" aria-hidden="true"></span> </span> </button> </h3> <div id="m-a-120555-4" class="usa-accordion__content occgov-accordion__content" role="tabpanel"> <div class="occgov-accordion__content--inner">  <section class="occgov-container__table"> <table class="row-border stripe dt-right dataTable no-footer dtr-inline" id="example_full120851" role="grid" aria-describedby="example_full_info" style=" width: 100%;"> <thead text-align='left'><tr><th tabindex='0' halign='left' width='10%' class='NRDATE'>Date</th><th tabindex='0' width='15%' class='NRID'>ID</th><th tabindex='0' width='80%'>Title</th></tr></thead><tbody> <tr> <td data-column="Date">11/20/2024</td> <td data-column="ID">NR 2024-124</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-occ-2024-124.html">Acting Comptroller Testifies on State of the Federal Banking System</a></td> </tr> <tr> <td data-column="Date">09/13/2024</td> <td data-column="ID">NR 2024-100</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-ia-2024-100.html">Agencies Extend Comment Period on Request for Information on Bank-Fintech Arrangements</a></td> </tr> <tr> <td data-column="Date">07/25/2024</td> <td data-column="ID">NR 2024-85</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-ia-2024-85.html">Agencies Remind Banks of Potential Risks Associated with Third-Party Deposit Arrangements and Request Additional Information on Bank-Fintech Arrangements</a></td> </tr> <tr> <td data-column="Date">06/06/2024</td> <td data-column="ID">NR 2024-61</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-occ-2024-61.html">Acting Comptroller Discusses Artificial Intelligence and Financial Stability</a></td> </tr> <tr> <td data-column="Date">05/15/2024</td> <td data-column="ID">NR 2024-51</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-occ-2024-51.html">Acting Comptroller Testifies on Agency Priorities</a></td> </tr> <tr> <td data-column="Date">02/21/2024</td> <td data-column="ID">NR 2024-17</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-occ-2024-17.html">Acting Comptroller Discusses Banking and Commerce</a></td> </tr> <tr> <td data-column="Date">12/05/2023</td> <td data-column="ID">NR 2023-133</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-occ-2023-133.html">Acting Deputy Comptroller Testifies on Financial Technology</a></td> </tr> <tr> <td data-column="Date">11/15/2023</td> <td data-column="ID">NR 2023-125</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-occ-2023-125.html">Acting Comptroller of the Currency Testifies on Regulatory Priorities</a></td> </tr> <tr> <td data-column="Date">11/14/2023</td> <td data-column="ID">NR 2023-124</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-occ-2023-124.html">Acting Comptroller of the Currency Testifies on Bank Supervision</a></td> </tr> <tr> <td data-column="Date">05/18/2023</td> <td data-column="ID">NR 2023-45</td> <td data-column="Title"><a href="/news-issuances/news-releases/2023/nr-occ-2023-45.html">Acting Comptroller of the Currency Testifies on Bank Supervision</a></td> </tr> </tbody> </table> </section>  <span style=" float: right; margin-bottom: 15px; font-size: 1rem;"><a href="https://www.occ.gov/news-events/newsroom/?q=&nr=NewsRelease,Bulletin,Alert,Speech,CongressionalTestimony,AdvisoryLetter&topic=105&dte=0&from=&to=" title="Newsroom: Financial Technology">View all ></a></span> </div> </div> <h3 class="usa-accordion__heading" role="tab" aria-label="Expand Accordion by continuing to button"> <button id="button-m-a-120555-5" class="occgov-accordion__button occgov-animate" aria-expanded="false" aria-controls="m-a-120555-5"> <span class="occgov-accordion__button--text">Responsible Innovation Framework</span> <span class="occgov-accordion__button--icon-container"> <span class="icon-text" aria-hidden="true">Show</span> <span class="fas fa-plus-circle" aria-hidden="true"></span> </span> </button> </h3> <div id="m-a-120555-5" class="usa-accordion__content occgov-accordion__content" role="tabpanel"> <div class="occgov-accordion__content--inner"> <h3>Outreach & Technical Assistance</h3> <ul> <li>Establishes ongoing dialogue with banks, nonbanks (including financial technology (fintech) companies), and other stakeholders</li> <li>Provides technical assistance to banks and nonbanks</li> <li>Promotes awareness and understanding of OCC positions and expectations</li> </ul> <h3>Awareness & Training</h3> <ul> <li>Fosters OCC staff awareness of responsible innovation and emerging trends</li> <li>Improves training and enhances the skills of examiners and other OCC staff</li> <li>Develops processes to build and leverage OCC experience and expertise</li> </ul> <h3>Coordination & Facilitation</h3> <ul> <li>Implements a process to streamline and coordinate innovation-related decisions to ensure transparent and timely responses to inquiries</li> <li>Creates a process for OCC participation in bank-run pilots</li> </ul> <h3>Research</h3> <ul> <li>Assesses continuously the landscape and trends in financial innovation</li> <li>Uses research and ongoing stakeholder dialogue to inform OCC policy, supervision, and analysis</li> </ul> <h3>Interagency Collaboration</h3> <ul> <li>Uses existing communication channels to share information and collaborate with domestic and international regulators</li> </ul> <h3>Related News and Issuances</h3>  <section class="occgov-container__table"> <table class="row-border stripe dt-right dataTable no-footer dtr-inline" id="example_full120855" role="grid" aria-describedby="example_full_info" style=" width: 100%;"> <thead text-align='left'><tr><th tabindex='0' halign='left' width='10%' class='NRDATE'>Date</th><th tabindex='0' width='15%' class='NRID'>ID</th><th tabindex='0' width='80%'>Title</th></tr></thead><tbody> <tr> <td data-column="Date">03/14/2024</td> <td data-column="ID">NR 2024-26</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-occ-2024-26.html">OCC to Host Office Hours in San Francisco</a></td> </tr> <tr> <td data-column="Date">11/03/2022</td> <td data-column="ID">NR 2022-134</td> <td data-column="Title"><a href="/news-issuances/news-releases/2022/nr-occ-2022-134.html">OCC to Host Virtual Innovation Office Hours</a></td> </tr> <tr> <td data-column="Date">10/27/2022</td> <td data-column="ID">NR 2022-133</td> <td data-column="Title"><a href="/news-issuances/news-releases/2022/nr-occ-2022-133.html">OCC Announces Office of Financial Technology</a></td> </tr> <tr> <td data-column="Date">10/06/2022</td> <td data-column="ID">NR 2022-124</td> <td data-column="Title"><a href="/news-issuances/news-releases/2022/nr-occ-2022-124.html">OCC Releases Bank Supervision Operating Plan for Fiscal Year 2023</a></td> </tr> <tr> <td data-column="Date">08/11/2022</td> <td data-column="ID">NR 2022-97</td> <td data-column="Title"><a href="/news-issuances/news-releases/2022/nr-occ-2022-97.html">OCC to Host Virtual Innovation Office Hours</a></td> </tr> <tr> <td data-column="Date">05/12/2022</td> <td data-column="ID">NR 2022-51</td> <td data-column="Title"><a href="/news-issuances/news-releases/2022/nr-occ-2022-51.html">Acting Comptroller Discusses Expanding Diversity and Inclusion, Minority Homeownership</a></td> </tr> <tr> <td data-column="Date">05/04/2022</td> <td data-column="ID">NR 2022-46</td> <td data-column="Title"><a href="/news-issuances/news-releases/2022/nr-occ-2022-46.html">OCC to Host Virtual Innovation Office Hours</a></td> </tr> <tr> <td data-column="Date">02/03/2022</td> <td data-column="ID">NR 2022-9</td> <td data-column="Title"><a href="/news-issuances/news-releases/2022/nr-occ-2022-9.html">OCC to Host Virtual Innovation Office Hours</a></td> </tr> <tr> <td data-column="Date">01/13/2022</td> <td data-column="ID">NR 2022-2</td> <td data-column="Title"><a href="/news-issuances/news-releases/2022/nr-occ-2022-2.html">Acting Comptroller Discusses Crypto-Assets and Regulation</a></td> </tr> <tr> <td data-column="Date">11/23/2021</td> <td data-column="ID">NR 2021-121</td> <td data-column="Title"><a href="/news-issuances/news-releases/2021/nr-occ-2021-121.html">OCC Clarifies Bank Authority to Engage in Certain Cryptocurrency Activities and Authority of OCC to Charter National Trust Banks</a></td> </tr> </tbody> </table> </section>  <span style=" float: right; margin-bottom: 15px; font-size: 1rem;"><a href="https://www.occ.gov/news-events/newsroom/?q=&nr=NewsRelease,Bulletin,Alert,Speech,CongressionalTestimony,AdvisoryLetter&topic=174&dte=0&from=&to=" title="Newsroom: Responsible Innovation">View all ></a></span> </div> </div> </div> </section> <hr /> <section class="occgov-container__table">  <h2>Related News and Issuances</h2> <table id='example_simple' class='row-border stripe' style='width:100%'><thead><tr><th tabindex='0' class='NRDATE'>Date</th><th tabindex='0' class='NRID'>ID</th><th tabindex='0' width='70%'>Title</th></tr></thead><tbody> <tr> <td data-column="Date">11/20/2024</td> <td data-column="ID">NR 2024-124</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-occ-2024-124.html">Acting Comptroller Testifies on State of the Federal Banking System</a></td> </tr> <tr> <td data-column="Date">09/13/2024</td> <td data-column="ID">NR 2024-100</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-ia-2024-100.html">Agencies Extend Comment Period on Request for Information on Bank-Fintech Arrangements</a></td> </tr> <tr> <td data-column="Date">07/25/2024</td> <td data-column="ID">NR 2024-85</td> <td data-column="Title"><a href="/news-issuances/news-releases/2024/nr-ia-2024-85.html">Agencies Remind Banks of Potential Risks Associated with Third-Party Deposit Arrangements and Request Additional Information on Bank-Fintech Arrangements</a></td> </tr> </tbody></table> </section>  </main> </section> </div> </div> </section>   <footer id="site-footer" class="usa-footer"> <div class="usa-footer__info-section"> <div class="grid-container"> <div class="grid-row grid-gap"> <div class="usa-footer__logo grid-row tablet:grid-col-6 tablet:grid-gap-2"> <div class="tablet:grid-col-auto"><a href="/index.html" title="Home"><img src="/images/c-clamp-images/footer-occ-logo.png" width="325" height="60" class="footer-occ-logo" alt="OCC logo - footer" title="OCC logo footer" /></a></div> </div> <div class="usa-footer__subscribe tablet:grid-col-6"> <div class="footer-subscribe"> <form id="GD-snippet-form-occ" action="https://public.govdelivery.com/accounts/USTREASOCC/subscribers/qualify" accept-charset="UTF-8" method="post"><input name="utf8" type="hidden" value="✓" /><input type="hidden" name="category_id" id="category_id_occ" value="USTREASOCC_C1" /> <fieldset> <h3>Get updates</h3> <label for="subscribe">Email Address</label> <input type="text" name="email" id="subscribe" placeholder="Enter your email" /><input type="submit" name="commit" value="Subscribe" data-disable-with="Submit" class="usa-button" /></fieldset> </form> </div> </div> </div> </div> </div> <div class="usa-footer__primary-section"> <div class="grid-container"> <div class="grid-row grid-gap"> <div class="usa-footer__logo grid-row grid-col"> <div class="grid-col"> <h3>Our websites</h3> <ul class="usa-list usa-list--unstyled occgov-list-our-sites grid-row grid-gap"> <li class="grid-col-12 tablet:grid-col-6 desktop:grid-col-3"> <div class="grid-row grid-gap-sm"> <div class="grid-col-auto"><a href="https://www.banknet.gov" target="_blank" rel="noopener noreferrer" ><img src="/images/c-clamp-images/footer-banknet.png" width="40" height="38" class="icon-our-sites" alt="Banknet website " title="Banknet footer" /></a></div> <div class="grid-col-fill"> <p><a href="https://www.banknet.gov" target="_blank" rel="noopener noreferrer" >BankNet.gov</a></p> <p>Find resources for bankers.</p> </div> </div> </li> <li class="grid-col-12 tablet:grid-col-6 desktop:grid-col-3"> <div class="grid-row grid-gap-sm"> <div class="grid-col-auto"><a href="https://www.helpwithmybank.gov/index.html" target="_blank" rel="noopener noreferrer" title="Get Answers " ><img src="/images/c-clamp-images/footer-helpwithmybank.png" width="40" height="38" class="icon-our-sites" alt="Help With My Bank website" title="HWMB footer" /></a></div> <div class="grid-col-fill"> <p><a href="https://www.helpwithmybank.gov/index.html" target="_blank" rel="noopener noreferrer" title="Get Answers " >HelpWithMyBank.gov</a></p> <p>Get answers to banking questions.</p> </div> </div> </li> <li class="grid-col-12 tablet:grid-col-6 desktop:grid-col-3"> <div class="grid-row grid-gap-sm"> <div class="grid-col-auto"><a href="https://careers.occ.gov/index.html" target="_blank" rel="noopener noreferrer" title="Home" ><img src="/images/c-clamp-images/footer-search.png" width="40" height="38" class="icon-our-sites" alt="Search the Careers website" title="Footer Search" /></a></div> <div class="grid-col-fill"> <p><a href="https://careers.occ.gov/index.html" target="_blank" rel="noopener noreferrer" title="OCC Careers Home page" >Careers.occ.gov</a></p> <p>Join one of the best places to work.</p> </div> </div> </li> <li class="grid-col-12 tablet:grid-col-6 desktop:grid-col-3"> <div class="grid-row grid-gap-sm"> <div class="grid-col-auto"><a href="/index.html" title="Home"><img src="/images/c-clamp-images/footer-occ.png" width="40" height="38" class="icon-our-sites" alt="OCC Logo" title="OCC Footer" /></a></div> <div class="grid-col-fill"> <p><a href="/index.html" title="Home">OCC.gov</a></p> <p>Visit the official website of the OCC.</p> </div> </div> </li> </ul> </div> </div> </div> </div> </div> <div class="usa-footer__secondary-section"> <div class="grid-container"> <div class="grid-row grid-gap flex-row-reverse"> <div class="grid-col-12 desktop-lg:grid-col-auto footer-social-media"> <ul class="usa-list usa-list--unstyled grid-row"> <li><a href="//facebook.com/pages/Washington-DC/US-Comptroller-of-the-Currency/213254918823" target="_blank" rel="noopener noreferrer" onclick="return ExitNotice()"><img src="/images/c-clamp-images/footer-facebook.png" width="18" height="31" alt="Facebook website" title="Facebook footer" /></a></li> <li><a href="//twitter.com/usocc" target="_blank" rel="noopener noreferrer" onclick="return ExitNotice()"><img src="/images/c-clamp-images/icon-footer-social-twitter-x.svg" width="31" height="31" alt="Twitter website" title="Footer Twitter" /></a></li> <li><a href="//linkedin.com/company/office-of-the-comptroller-of-the-currency" target="_blank" rel="noopener noreferrer" onclick="return ExitNotice()"><img src="/images/c-clamp-images/footer-linkedin.png" width="31" height="31" alt="LinkedIn Website" title="LinkedIn Footer" /></a></li> <li><a href="//youtube.com/user/OCCChannel#p/c/2BAA3C3A20C2630E" target="_blank" rel="noopener noreferrer" onclick="return ExitNotice()"><img src="/images/c-clamp-images/footer-youtube.png" width="31" height="31" alt="Youtube website" title="Footer Youtube" /></a></li> <li class="last"><a href="/rss/index-rss.html" title="RSS Feeds: OCC News and Information"><img src="/images/c-clamp-images/footer-rss.png" width="31" height="31" alt="RSS feed for the footer" title="Footer RSS" /></a></li> </ul> </div> <div class="grid-col footer-links"> <ul class="usa-list usa-list--unstyled grid-row"><li> <a href="/about/policies/web-privacy-policy.html">Privacy Policy</a> </li><li> <a href="https://www.usa.gov/" target="_blank" rel="noopener noreferrer">USA.gov</a> </li><li> <a href="/about/policies/accessibility.html">Accessibility</a> </li><li> <a href="https://home.treasury.gov" target="_blank" rel="noopener noreferrer">U.S. Treasury</a> </li><li> <a href="/about/connect-with-us/foia/index-foia.html">Freedom of Information Act (FOIA)</a> </li></ul> <ul class="usa-list usa-list--unstyled grid-row"><li> <a href="https://home.treasury.gov/footer/no-fear-act" target="_blank" rel="noopener noreferrer">No Fear Act Data</a> </li><li> <a href="/about/connect-with-us/whistleblower-protection/whistleblower-protection-and-prohibited-personnel-practices.html">Whistleblower Protection</a> </li><li> <a href="/about/policies/vulnerability-disclosure-policy.html">Vulnerability Disclosure</a> </li><li> <a href="/about/connect-with-us/contact-the-occ/index-contact-the-occ.html">Contact</a> </li></ul> </div> </div> </div> </div> </footer> <script async src="//siteimproveanalytics.com/js/siteanalyze_50215.js"></script> <script src="/scripts/uswds.min.js"></script> </body> </html>

CINXE.COM

Financial Technology | OCC