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Public Comments on Exploring Special Purpose National Bank Charters for Fintech Companies

In December 2016, the OCC published and solicited comments on a paper titled Exploring Special Purpose National Bank Charters for Fintech Companies. Comments on the paper may be submitted by e-mailing through January 17, 2017.

In general, the OCC will publish all comments and supporting materials on its Web site. Comments and supporting materials will be published without change, including any business or personal information provided such as name, address, e-mail address, or phone number. Do not include any information in your comments or supporting materials that you consider confidential or inappropriate for public disclosure.

Comments on the paper are accessible below.

Commenter Affiliation Location Comment Date Read Comment
W. Bradley Wilkes
WingCash, LLC Lehi, UT 1/27/2017 Comment (PDF)
Paul Proctor
ParityPay, Inc.
Juan Andrade
Financial Services and Technology executive and entrepreneur
  London, UK 1/19/2017 Comment (PDF)
Bryan A. Schneider
Illinois Department of Financial and Professional Regulation Chicago, IL   1/17/2017 Comment (PDF)
Conor French
General Counsel
Funding Circle San Francisco, CA 1/17/2017 Comment (PDF)
Frank Altman
President and Chief Executive Officer
Community Reinvestment Fund, USA Minneapolis, MN 1/17/2017 Comment (PDF)
Nick Elders
Vice President - Technology Solutions and Services
Jane M. Azia
Bureau Chief
State of New York
Office of the Attorney General
Consumer Frauds and Protection Bureau
New York, NY 1/17/2017 Comment (PDF)
The Honorable Jared Polis
Member of Congress
Congress of the United States
House of Representatives
Washington, DC 1/17/2017 Comment (PDF)
John Court
Managing Director and Deputy General Counsel
The Clearing House Association L.L.C. New York, NY 1/17/2017 Comment (PDF)
Christopher Cole
Executive Vice President and Senior Regulatory Counsel
Independent Community Bankers of America Washington, DC
Christopher B. Killian
Managing Director
Securities Industry and Financial Markets Association Washington, DC
Jo Ann S. Barefoot
Barefoot Innovation Group, LLC
Senior Fellow, Center for Business & Government
John F. Kennedy School of Government, Harvard University
Cambridge, MA 1/17/2017 Comment (PDF)
Kabir Kumar
Director, Global Policy
Omidyar Network Washington, DC 1/17/2017 Comment (PDF)
Manuel P. Alvarez
General Counsel, Chief Compliance Officer
Affirm, Inc San Francisco, CA 1/17/2017 Comment (PDF)
Richard H. Neiman
Head of Regulatory & Government Affairs
Lending Club San Francisco, CA 1/17/2017 Comment (PDF)
Scott Talbott
Senior Vice President of Government Affairs
Electronic Transactions Association Washington, DC 1/17/2017 Comment (PDF)
Randolph Kantorowicz-Toro
Mobile Money Corp. New York, NY 1/16/2017 Comment (PDF)
Thomas J. Miller
Attorney General of Iowa
Office of the Attorney General of the State of Iowa Des Moines, IA 1/17/2017 Comment (PDF)
Juan Suarez
Head Legal Counsel
Coinbase, Inc. San Francisco, CA 1/17/2017 Comment (PDF)
National Consumer Law Center On behalf of its low-income clients and Consumer Federation of America Consumers Union Main Street Alliance U.S. PIRG Washington, DC 1/17/2017 Comment (PDF)
Prof. Cornelius Hurley
Online Lending Policy Institute Inc. Boston, MA 1/17/2017 Comment (PDF)
Nathaniel L. Hoopes
Executive Director
Marketplace Lending Association San Francisco, CA 1/17/2017 Comment (PDF)
Perianne Boring
Founder and President
Chamber of Digital Commerce Washington, D.C. 1/17/2017 Comment (PDF)
John A. Beccia
General Counsel and Chief Compliance Officer
Circle Internet Financial, Inc. Boston, MA 1/17/2017 Comment (PDF)
Stephen T. Middlebrook   Jacksonville, FL 1/17/2017 Comment (PDF)
Jules Kim
Chief Operating Officer
Poloniex, Inc. Washington, D.C. 1/17/2017 Comment (PDF)
  Responsible Business Lending Coalition   1/17/2017 Comment (PDF)
Brian Peters
Executive Director
Financial Innovation Now Washington, DC 1/17/2017 Comment (PDF)
Christopher Cole
Executive Vice President and Senior Regulatory Counsel

James Kendrick
First Vice President, Accounting and Capital Policy

Independent Community Bankers of America Washington, DC 1/17/2017 Comment (PDF)
Jennifer Tescher
President & CEO

Jeanne M. Hogarth
Vice President

Center for Financial Services Innovation New York, NY 1/17/2017 Comment (PDF)
Keith J. Barnett, Esq.
Troutman Sanders LLP on behalf of Third Party Payments Processors Association Atlanta, GA 1/17/2017 Comment (PDF)
Maria T. Vullo
New York State Department of Financial Services New York, NY 1/17/2017 Comment (PDF)
Robert Morgan
Vice President, Emerging Technologies
American Bankers Association Washington, DC 1/17/2017 Comment (PDF)
Robin L. Wiessmann
of Pennsylvania Department of Banking and Securities
Harrisburg, PA 1/17/2017 Comment (PDF)
Tod R. Burwell
President and Chief Executive Officer
Bankers Association for Finance and Trade Washington, DC 1/17/2017 Comment (PDF)
Greg Kidd
CEO and co-founder
globaliD San Francisco, CA 1/16/2017 Comment (PDF)
Jonathan Solomon
Chief Executive Officer
Red Leaf Chicago, LLC., d/b/a DigitalMint Chicago, IL 1/16/2017 Comment (PDF)
Mackenzie Wallace     1/16/2017 Comment (PDF)
Michelle Sternthal, Ph.D.
Deputy Director of Policy & Government Affairs
Main Street Alliance Washington, DC 1/16/2017 Comment (PDF)
Richard C. Litman     1/16/2017 Comment (PDF)
Albert Goldstein
Chief Executive Officer
Avant, Inc. Chicago, IL 1/15/2017 Comment (PDF)
Ben Craigie
Director of Compliance & Training
Massachusetts Bankers Association Boston, MA 1/15/2017 Comment (PDF)
Brian R. Knight
Senior Research Fellow
Mercatus Center at George Mason University Arlington, VA 1/15/2017 Comment (PDF)
Hester Peirce
Senior Research Fellow and Director,
Financial Markets Working Group
J. W. Verret
Senior Affiliated Scholar/Associate Professor, Antonin Scalia Law School
Brian Simmonds Marshall
Policy Counsel
Americans for Financial Reform Washington, DC 1/15/2017 Comment (PDF)
Dafina Williams
Vice President, Public Policy
Opportunity Finance Network Philadelphia, PA 1/15/2017 Comment (PDF)
Daniel Gorfine
VP, External Affairs and Associate General Counsel
On Deck Capital, Inc New York, NY 1/15/2017 Comment (PDF)
Frank Borchert
General Counsel
College Ave Student Loans
Epic Research
Marlette Funding
Navient Solutions, Inc.
Wilmington, DE 1/15/2017 Comment (PDF)
Jackson Mueller
Associate Director

Aron Betru
Associate Director Managing Director

Center for Financial Markets
Milken Institute
New York, NY 1/15/2017 Comment (PDF)
Jeff Chester and Katharina Kopp Center for Digital Democracy Washington, DC 1/15/2017 Comment (PDF)
Edmund Mierzwinski U.S. Public Interest Research Grop
George Frost, Esq. Law Offices of George Frost Berkeley, CA 1/15/2017 Comment (PDF)
Joe Valenti
Director of Consumer Finance
Center for American Progress Washington, DC 1/15/2017 Comment (PDF)
Lisa S. McGreevy
President and CEO
Online Lenders Alliance Alexandria, VA 1/15/2017 Comment (PDF)
Nick Bourke The Pew Charitable Trusts Washington, DC 1/15/2017 Comment (PDF)
Patrick Murck
Cooley LLP
on behalf of ShapeShift AG _ 1/15/2017 Comment (PDF)
Pete Mills
Senior Vice President
Residential Policy and Member Services
Mortgage Bankers Association Washington, DC 1/15/2017 Comment (PDF)
Richard Eckman
Pepper Hamilton LLP
on behalf of unnamed client Wilmington, DE 1/15/2017 Comment (PDF)
Richard Eckman
Pepper Hamilton LLP
on behalf of LEND360 Wilmington, DE 1/15/2017 Comment (PDF)
George Frost, Esq. Law Offices of George Frost Berkeley, CA 1/15/2017 Comment (PDF)
Roseanne Lazer
Compliance Officer
TransferWise Inc. New York, NY 1/15/2017 Comment (PDF)
Sabrina M. Rose-Smith Goodwin Procter LLP Washington, DC 1/15/2017 Comment (PDF)
Scott Galit
Payoneer Inc. New York, NY 1/15/2017 Comment (PDF)

Adam Rust
Director of Research

Reinvestment Partners Durham, NC 1/14/2017 Comment (PDF)
Marceline White
Executive Director
Maryland Consumer Rights Coalition Baltimore, MD
Andrew Morris
Regulatory Affairs Counsel
National Association of Federally-Insured Credit Unions Arlington, VA 1/14/2017 Comment (PDF)
David Grindal
Director, Solution Consulting
ACI Worldwide Toronto, ONT 1/14/2017 Comment (PDF)
Dong Hong
Vice President, Senior Counsel
Consumer Bankers Association Washington, DC 1/14/2017 Comment (PDF)
Dr. Sead Muftic
BIX Bank Corporation _ 1/14/2017 Comment (PDF)
Jason Gardner
Founder and Chief Executive Officer
Marqeta, Inc. Oakland, California 1/14/2017 Comment (PDF)
Kevin Stein California Reinvestment Coalition San Francisco, CA 1/14/2017 Comment (PDF)
Andy Morrison
Campaigns Coordinator
New Economy Project
on behalf of signees
New York, NY 1/13/2017 Comment (PDF)
Benson F. Roberts
President and CEO
National Association of Affordable Housing Lenders Washington, DC 1/13/2017 Comment (PDF)
Courtney K. Robinson
Policy Counsel
Center for Responsible Lending Washington, DC 1/13/2017 Comment (PDF)
David G. Schroeder
Vice President Federal Governmental Relations
Community Bankers Association of Illinois Springfield, IL 1/13/2017 Comment (PDF)
David Klein
CEO & Co-Founder
CommonBond, Inc New York, NY 1/13/2017 Comment (PDF)
Deborah Hagan
Chief, Consumer Protection Division
Office of the Attorney General
State of Illinois
Chicago, IL 1/13/2017 Comment (PDF)
Dr. Douglas Jackson
Fulcrum IP Corporation Florida 1/13/2017 Comment (PDF)
Eric Weaver
CEO & Founder
Opportunity Fund Los Angeles, CA 1/13/2017 Comment (PDF)
Frank R. Pignanelli
Executive Director
National Association of Industrial Bankers Salt Lake City, UT 1/13/2017 Comment (PDF)
Gary Lewis Evans
President & CEO
Paymency Inc. San Diego, CA 1/13/2017 Comment (PDF)
Jessie Cheng
Deputy General Counsel
Ripple San Francisco, CA 1/13/2017 Comment (PDF)
Joan Aristei
Vice President
Regulatory Legal & Compliance
Oportun, Inc. Redwood City, CA 1/13/2017 Comment (PDF)
John A. Costa
Managing Director
Auriemma Consulting Group New York, NY 1/13/2017 Comment (PDF)
John Taylor
President and CEO
National Community Reinvestment Coalition Washington, DC 1/13/2017 Comment (PDF)
Judith Rinearson
Partner, K&L Gates, MSBA Advisor
Money Services Business Association New York, NY 1/13/2017 Comment (PDF)
Karl A. Racine
Attorney General for the District of Columbia
Government of the District of Columbia
Office of the Attorney General
Washington, DC 1/13/2017 Comment (PDF)
Kevin Foster-Keddie
WSECU Olympia, WA 1/13/2017 Comment (PDF)
Board Chair QCash Financial, LLC
Michael Townsley
Senior Analyst & Policy Counsel
Conference of State Bank Supervisors Washington, DC 1/13/2017 Comment (PDF)
Paul A Waltz
SHAZAM, Inc Johnston, IA 1/13/2017 Comment (PDF)
Peter Renton
Co-founder and Chairman
Founder and CEO
LendIt Conference LLC
Lend Academy LLC
Denver, CO 1/13/2017 Comment (PDF)
Peter Van Valkenburgh Coin Center Washington, DC 1/13/2017 Comment (PDF)
Richard Foster
Senior Vice President & Senior Counsel for Regulatory and Legal Affairs
Financial Services Roundtable Washington, DC 1/13/2017 Comment (PDF)
Christopher F. Feeney
Richard Johns
Executive Director
Structured Finance Industry Group Washington, DC 1/13/2017 Comment (PDF)
Rose Oswald Peels
Wisconsin Bankers Association Madison. WI 1/13/2017 Comment (PDF)
Scott Askins
General Counsel
Kabbage, Inc. Atlanta, GA 1/13/2017 Comment (PDF)
Sushil K. Tuli
President & CEO Brook L. Ames, Esq.
In-House Counsel
Leader Bank, N.A. Arlington, MA 1/13/2017 Comment (PDF)
Thor Tobin Mathison
General Counsel
PromisePay Inc. St. Louis, MO 1/13/2017 Comment (PDF)
Timothy Flacke
Executive Director
Commonwealth Boston, MA 1/13/2017 Comment (PDF)
The Honorable
Tony Cárdenas,
Gregory W. Meeks,
Gwen Moore,
Donald M. Payne, Jr.,
Cedric L. Richmond,
Terri A. Sewell
Members of Congress
U.S. House of Representatives Washington, DC 1/13/2017 Comment (PDF)
William E. Brown
2017 President
National Association of REALTORS® Washington, DC 1/13/2017 Comment (PDF)
Aaron Greenspan
President & CEO
Think Computer Corporation San Jose, CA 1/12/2017 Comment (PDF)
Joseph R. Hasto, Jr.
Chief Financial Officer
Elements Financial Federal Credit Union Indianapolis, IN 1/12/2017 Comment (PDF)
Masayuki Hosaka
Vice Chairman and FinTech Segment Leader
Rakuten Card Co., Ltd.
Rakuten, Inc.
San Mateo, CA 1/12/2017 Comment (PDF)
Robert S. Lavet
General Counsel
Social Finance, Inc. Reston, VA 1/12/2017 Comment (PDF)
Stephen Denis Small Business Finance Association Washington, DC 1/12/2017 Comment (PDF)
Jennifer J. Finger
EVP Strategy and Development
Beneficial State Bank Oakland, CA 1/11/2017 Comment (PDF)
Joel Sherwin
Neopay Los Angeles, CA 1/11/2017 Comment (PDF)
Robert L. Hartwig
Legal Counsel
Iowa Bankers Association Johnston, Iowa 12/29/2016 Comment (PDF)
James R. Ra'anan
General Counsel
IDT Telecom, Inc. Newark, NJ 12/28/2016 Comment (PDF)
Safa Mahzari
    12/27/2016 Comment (PDF)
Timothy Li
Kuber Inc. Orange, CA 12/24/2016 Comment (PDF)
John Bordelon
President and CEO
Home Bank, N.A. Lafayette, LA 12/13/2016 Comment (PDF)
Matt Rhodes
  Binghamton, NY 12/7/2016 Comment (PDF)
Edward J. Boyle
Bank-tech Executive
  Montclair, NJ 12/6/2016 Comment (PDF)
Robert E. Rutkowski   Topeka, KS 12/6/2016 Comment (PDF)