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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

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


  • 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

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Related News and Issuances

07/17/2024 NR 2024-79 Acting Comptroller Discusses Trends Reshaping Banking
06/06/2024 NR 2024-61 Acting Comptroller Discusses Artificial Intelligence and Financial Stability
05/16/2024 NR 2024-52 Acting Comptroller Testifies on Agency Activities