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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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;
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