Financial Technology

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.

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.

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Financial Technology Topics

Date	ID	Title
06/06/2023	NR 2023-53	Agencies Issue Final Guidance on Third-Party Risk Management
08/27/2021	NR 2021-85	Agencies Issue Guide to Help Community Banks Evaluate Fintech Relationships

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Date	ID	Title
02/22/2024	NR 2024-18	Acting Comptroller Discusses Consolidated Supervision of Crypto-Asset Intermediaries
11/13/2023	NR 2023-123	Registration Open for OCC Symposium on the Tokenization of Real-World Assets and Liabilities
10/18/2023	NR 2023-114	OCC to Host Symposium on the Tokenization of Real-World Assets and Liabilities
06/16/2023	NR 2023-64	Acting Comptroller Discusses Tokenization, Artificial Intelligence
03/06/2023	NR 2023-23	Acting Comptroller Discusses Trust in Global Banking, Lessons for Crypto
02/23/2023	NR 2023-18	Agencies Issue Joint Statement on Liquidity Risks Resulting from Crypto-Asset Market Vulnerabilities
01/03/2023	NR 2023-1	Agencies Issue Joint Statement on Crypto-Asset Risks to Banking Organizations
11/17/2022	NR 2022-139	Acting Comptroller Emphasizes Caution with Crypto
11/16/2022	NR 2022-138	Acting Comptroller of the Currency Discusses Regulatory Priorities
11/15/2022	NR 2022-137	Acting Comptroller of the Currency Testifies on Regulatory Priorities

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Date	ID	Title
06/16/2023	NR 2023-64	Acting Comptroller Discusses Tokenization, Artificial Intelligence
03/30/2023	NR 2023-30	Acting Comptroller Emphasizes Focus on Safe and Sound Banking System, Discusses Elevating Fairness in Banking
05/13/2022	NR 2022-52	Deputy Comptroller Testifies on Artificial Intelligence

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Date	ID	Title
02/21/2024	NR 2024-17	Acting Comptroller Discusses Banking and Commerce
12/05/2023	NR 2023-133	Acting Deputy Comptroller Testifies on Financial Technology
11/15/2023	NR 2023-125	Acting Comptroller of the Currency Testifies on Regulatory Priorities
11/14/2023	NR 2023-124	Acting Comptroller of the Currency Testifies on Bank Supervision
05/18/2023	NR 2023-45	Acting Comptroller of the Currency Testifies on Bank Supervision
05/16/2023	NR 2023-44	Acting Comptroller of the Currency Testifies on Prudential Regulation
04/19/2023	NR 2023-38	Acting Comptroller Discusses Open Banking
09/07/2022	NR 2022-106	Acting Comptroller Discusses Safeguarding Trust in Banking
07/25/2022	NR 2022-91	OCC Solicits Research on Implications of Financial Technology for Banking
11/16/2021	NR 2021-117	Acting Comptroller Discusses Modernizing the Financial Regulatory Perimeter

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Outreach & Technical Assistance

Establishes ongoing dialogue with banks, nonbanks (including financial technology (fintech) companies), and other stakeholders
Provides technical assistance to banks and nonbanks
Promotes awareness and understanding of OCC positions and expectations

Awareness & Training

Fosters OCC staff awareness of responsible innovation and emerging trends
Improves training and enhances the skills of examiners and other OCC staff
Develops processes to build and leverage OCC experience and expertise

Coordination & Facilitation

Implements a process to streamline and coordinate innovation-related decisions to ensure transparent and timely responses to inquiries
Creates a process for OCC participation in bank-run pilots

Research

Assesses continuously the landscape and trends in financial innovation
Uses research and ongoing stakeholder dialogue to inform OCC policy, supervision, and analysis

Interagency Collaboration

Uses existing communication channels to share information and collaborate with domestic and international regulators

Related News and Issuances

Date	ID	Title
03/14/2024	NR 2024-26	OCC to Host Office Hours in San Francisco
11/03/2022	NR 2022-134	OCC to Host Virtual Innovation Office Hours
10/27/2022	NR 2022-133	OCC Announces Office of Financial Technology
10/06/2022	NR 2022-124	OCC Releases Bank Supervision Operating Plan for Fiscal Year 2023
08/11/2022	NR 2022-97	OCC to Host Virtual Innovation Office Hours
05/12/2022	NR 2022-51	Acting Comptroller Discusses Expanding Diversity and Inclusion, Minority Homeownership
05/04/2022	NR 2022-46	OCC to Host Virtual Innovation Office Hours
02/03/2022	NR 2022-9	OCC to Host Virtual Innovation Office Hours
01/13/2022	NR 2022-2	Acting Comptroller Discusses Crypto-Assets and Regulation
11/23/2021	NR 2021-121	OCC Clarifies Bank Authority to Engage in Certain Cryptocurrency Activities and Authority of OCC to Charter National Trust Banks

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Related News and Issuances

Date	ID	Title
03/14/2024	NR 2024-26	OCC to Host Office Hours in San Francisco
02/22/2024	NR 2024-18	Acting Comptroller Discusses Consolidated Supervision of Crypto-Asset Intermediaries
02/21/2024	NR 2024-17	Acting Comptroller Discusses Banking and Commerce

Financial Technology

Contact The Office of Financial Technology

Get Financial Technology Updates

Financial Technology Topics

Bank-Fintech Arrangements Show

Digital Assets and Tokenization Show

Artificial Intelligence and Machine Learning Show

Other Financial Technology Topics Show

Responsible Innovation Framework Show

Outreach & Technical Assistance

Awareness & Training

Coordination & Facilitation

Research

Interagency Collaboration

Related News and Issuances

Related News and Issuances