最新supporting responsible innovation in the federal banking system an occ perspective支持在联邦Word格式.docx

最新supporting responsible innovation in the federal banking system an occ perspective支持在联邦Word格式.docx

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SupportingResponsibleInnovationintheFederalBankingSystem:

AnOCCPerspective

PrefacebytheComptrolleroftheCurrency

Innovationhasbeenahallmarkofthenationalbankingsystemsinceitsfoundingin1863byPresidentLincoln.Thatinnovativespirithasbeenespeciallyevidentinrecentdecadesasnationalbanksandfederalsavingsassociationshaveledthewayindevelopingandadaptingproducts,services,andtechnologytomeetthechangingneedsoftheircustomers.

Whilebankscontinuetoinnovate,rapidanddramaticadvancesinfinancialtechnology（fintech）arebeginningtodisruptthewaytraditionalbanksdobusiness.Astheprudentialregulatorofthefederalbankingsystem,wewantnationalbanksandfederalsavingsassociationstothriveinthisenvironmentandtocontinuefulfillingtheirvitalroleofprovidingfinancialservicestoconsumers,businesses,andtheircommunities.

ComptrolleroftheCurrency

ThomasJ.Curry

Ourdiversesystemofbankshasmanyadvantagesindevelopingandadaptingfinancialinnovations.Federallycharteredinstitutionshavestablefundingsources,capital,andextensivecustomerrelationships.Theyalsohavealonghistoryofriskmanagementthathasledtoenhancedinformationsecuritycapabilities,maturecreditmodelingandunderwritingprocesses,andcompliance

programsthathelpprotectconsumers.Thesecapabilitieslayafoundationforinnovationinthe

21stcentury,andaremajorreasonsthefederalbankingsystemstillservesasasourceofstrengthforthenationafter153years.

AttheOfficeoftheComptrolleroftheCurrency（OCC）,wearemakingcertainthatinstitutionswithfederalchartershavearegulatoryframeworkthatisreceptivetoresponsibleinnovationalongwiththesupervisionthatsupportsit.

Innovationholdsmuchpromise.Technology,forexample,canpromotefinancialinclusionbyexpandingservicestothe

underserved.Itcanprovidemorecontrolandbettertoolsforfamilies‘AttheOCC,wearemaking

tosave,borrow,andmanagetheirfinancialaffairs.Itcanhelp

companiesandinstitutionsscaleoperationsefficientlytocompeteincertainthatinstitutionswith

themarketplace,anditcanmakebusinessandconsumertransactionsfederalchartershavea

fasterandsafer.

regulatoryframeworkthatis

Innovationisnotfreefromrisk,butwhenmanagedappropriately,receptivetoresponsible

riskshouldnotimpedeprogress.Indeed,effectiveriskmanagement

isessentialtoresponsibleinnovation.Banksandregulatorsmustinnovationalongwiththe

striketherightbalancebetweenriskandinnovation.supervisionthatsupportsit.’

ThispaperdescribestheOCC’svisionforresponsibleinnovationin–ComptrolleroftheCurrency

thefederalbankingsystemanddiscussestheprinciplesthatwill

guidethedevelopmentofourframeworkforevaluatingnewandinnovativefinancialproductsandservices.Wewelcomeyourfeedback.

OCCInnovationInitiative

InAugust2015,ComptrolleroftheCurrencyThomasJ.CurryannouncedaninitiativetodevelopacomprehensiveframeworktoimprovetheOCC’sabilitytoidentifyandunderstandtrendsandinnovationsinthefinancialservicesindustry,aswellastheevolvingneedsofconsumersoffinancialservices.1ThisframeworkisintendedtoimprovehowtheOCCevaluatesinnovativeproducts,services,andprocessesthatrequireregulatoryapprovalandidentifiespotentialrisksassociatedwiththem.Evenwhenapprovalofaninnovationisnotnecessary,enhancingtheagency’sunderstandingwillenableittobeamoreeffectiveresourcetoinstitutions,particularlycommunitybanksandthrifts,interestedininnovation.Theframeworkalsowillhelpclarifylinesofcommunicationbetweentheagencyandtheindustryregardingemergingtechnologyandnewproducts,services,andprocesses.

Aspartofthatinitiative,theOCCformedateamofpolicyexperts,examiners,lawyers,andotheragencystaffmemberstogainabetterunderstandingofemergingtechnologyandnewapproachesinfinancialservicesandthenusethatinformationtodesigntheOCC’sframeworkforevaluatingfinancialinnovation.Toobtainabroadperspective,theteammetwithavarietyofgroupstodiscussthechangesinthefinancialservicesindustryandtheopportunitiesandchallengesforbankstoparticipatefullyinthisevolvinglandscape.Thesediscussionsincludedbankersfromcommunity,midsize,andlargebanks;

innovatorsinvariousfields;

consumergroups;

academics;

otherregulators;