-perspective（2016年3月）.pdf

Supporting Responsible Innovation in
the Federal Banking System:
An OCC Perspective














Office of the Comptroller of the Currency
Washington, .
March 2016
Supporting Responsible Innovation in the Federal Banking System
Preface by the Comptroller of the Currency
Innovation has been a hallmark of the national banking system
since its founding in 1863 by President Lincoln. That innovative
spirit has been especially evident in recent decades as national
banks and federal savings associations have led the way in
developing and adapting products, services, and technology to meet
the changing needs of their customers.
While banks continue to innovate, rapid and dramatic advances in
financial technology (fintech) are beginning to disrupt the way
traditional banks do business. As the prudential regulator of the
federal banking system, we want national banks and federal savings
associations to thrive in this environment and to continue fulfilling
their vital role of providing financial services to consumers,
businesses, and their communities.
Our diverse system of banks has