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 emailing specialpurposecharter@occ.treas.gov through January 17, 2017.

In general, the OCC will publish all comments and supporting materials on its Website. Comments and supporting materials will be published without change, including any business or personal information provided such as name, address, email 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 President/CEO Paul Proctor Founder	WingCash, LLC ParityPay, Inc.	Lehi, UT	01/27/2017	Comment (PDF)
Juan Andrade Financial Services and Technology executive and entrepreneur		London, UK	01/19/2017	Comment (PDF)
Bryan A. Schneider Secretary	Illinois Department of Financial and Professional Regulation	Chicago, IL	1/17/2017	Comment (PDF)
Conor French General Counsel	Funding Circle	San Francisco, CA	01/17/2017	Comment (PDF)
Frank Altman President and Chief Executive Officer Nick Elders Vice President - Technology Solutions and Services	Community Reinvestment Fund, USA	Minneapolis, MN	01/17/2017	Comment (PDF)
Jane M. Azia Bureau Chief	State of New York Office of the Attorney General Consumer Frauds and Protection Bureau	New York, NY	01/17/2017	Comment (PDF)
The Honorable Jared Polis Member of Congress	Congress of the United States House of Representatives	Washington, DC	01/17/2017	Comment (PDF)
John Court Managing Director and Deputy General Counsel Christopher Cole Executive Vice President and Senior Regulatory Counsel Christopher B. Killian Managing Director	The Clearing House Association L.L.C. Independent Community Bankers of America Securities Industry and Financial Markets Association	New York, NY Washington, DC Washington, DC	01/17/2017	Comment (PDF)
Jo Ann S. Barefoot CEO	Barefoot Innovation Group, LLC Senior Fellow, Center for Business & Government John F. Kennedy School of Government, Harvard University	Cambridge, MA	01/17/2017	Comment (PDF)
Kabir Kumar Director, Global Policy	Omidyar Network	Washington, DC	01/17/2017	Comment (PDF)
Manuel P. Alvarez General Counsel, Chief Compliance Officer	Affirm, Inc	San Francisco, CA	01/17/2017	Comment (PDF)
Richard H. Neiman Head of Regulatory & Government Affairs	Lending Club	San Francisco, CA	01/17/2017	Comment (PDF)
Scott Talbott Senior Vice President of Government Affairs	Electronic Transactions Association	Washington, DC	1/17/2017	Comment (PDF)
Randolph Kantorowicz-Toro CEO	Mobile Money Corp.	New York, NY	01/16/2017	Comment (PDF)
Thomas J. Miller Attorney General of Iowa	Office of the Attorney General of the State of Iowa	Des Moines, IA	01/17/2017	Comment (PDF)
Juan Suarez Head Legal Counsel	Coinbase, Inc.	San Francisco, CA	01/17/2017	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 Director	Online Lending Policy Institute Inc.	Boston, MA	01/17/2017	Comment (PDF)
Nathaniel L. Hoopes Executive Director	Marketplace Lending Association	San Francisco, CA	01/17/2017	Comment (PDF)
Perianne Boring Founder and President	Chamber of Digital Commerce	Washington, D.C.	01/17/2017	Comment (PDF)
John A. Beccia General Counsel and Chief Compliance Officer	Circle Internet Financial, Inc.	Boston, MA	01/17/2017	Comment (PDF)
Stephen T. Middlebrook		Jacksonville, FL	01/17/2017	Comment (PDF)
Jules Kim Chief Operating Officer	Poloniex, Inc.	Washington, D.C.	01/17/2017	Comment (PDF)
	Responsible Business Lending Coalition		01/17/2017	Comment (PDF)
Brian Peters Executive Director	Financial Innovation Now	Washington, DC	01/17/2017	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	01/17/2017	Comment (PDF)
Jennifer Tescher President & CEO Jeanne M. Hogarth Vice President	Center for Financial Services Innovation	New York, NY	01/17/2017	Comment (PDF)
Keith J. Barnett, Esq. Partner	Troutman Sanders LLP on behalf of Third Party Payments Processors Association	Atlanta, GA	01/17/2017	Comment (PDF)
Maria T. Vullo Superintendent	New York State Department of Financial Services	New York, NY	01/17/2017	Comment (PDF)
Robert Morgan Vice President, Emerging Technologies	American Bankers Association	Washington, DC	01/17/2017	Comment (PDF)
Robin L. Wiessmann Secretary	Commonwealth of Pennsylvania Department of Banking and Securities	Harrisburg, PA	01/17/2017	Comment (PDF)
Tod R. Burwell President and Chief Executive Officer	Bankers Association for Finance and Trade	Washington, DC	01/17/2017	Comment (PDF)
Greg Kidd CEO and co-founder	globaliD	San Francisco, CA	01/16/2017	Comment (PDF)
Jonathan Solomon Chief Executive Officer	Red Leaf Chicago, LLC., d/b/a DigitalMint	Chicago, IL	01/16/2017	Comment (PDF)
Mackenzie Wallace			01/16/2017	Comment (PDF)
Michelle Sternthal, Ph.D. Deputy Director of Policy & Government Affairs	Main Street Alliance	Washington, DC	01/16/2017	Comment (PDF)
Richard C. Litman			01/16/2017	Comment (PDF)
Albert Goldstein Chief Executive Officer	Avant, Inc.	Chicago, IL	01/15/2017	Comment (PDF)
Ben Craigie Director of Compliance & Training	Massachusetts Bankers Association	Boston, MA	01/15/2017	Comment (PDF)
Brian R. Knight Senior Research Fellow Hester Peirce Senior Research Fellow and Director, Financial Markets Working Group J. W. Verret Senior Affiliated Scholar/Associate Professor, Antonin Scalia Law School	Mercatus Center at George Mason University	Arlington, VA	01/15/2017	Comment (PDF)
Brian Simmonds Marshall Policy Counsel	Americans for Financial Reform	Washington, DC	01/15/2017	Comment (PDF)
Dafina Williams Vice President, Public Policy	Opportunity Finance Network	Philadelphia, PA	01/15/2017	Comment (PDF)
Daniel Gorfine VP, External Affairs and Associate General Counsel	On Deck Capital, Inc	New York, NY	01/15/2017	Comment (PDF)
Frank Borchert General Counsel	College Ave Student Loans Epic Research Marlette Funding Navient Solutions, Inc.	Wilmington, DE	01/15/2017	Comment (PDF)
Jackson Mueller Associate Director Aron Betru Associate Director Managing Director	Center for Financial Markets Milken Institute	New York, NY	01/15/2017	Comment (PDF)
Jeff Chester Katharina Kopp Edmund Mierzwinski	Center for Digital Democracy Center for Digital Democracy U.S. Public Interest Research Grop	Washington, DC	01/15/2017	Comment (PDF)
George Frost, Esq.	Law Offices of George Frost	Berkeley, CA	01/15/2017	Comment (PDF)
Joe Valenti Director of Consumer Finance	Center for American Progress	Washington, DC	01/15/2017	Comment (PDF)
Lisa S. McGreevy President and CEO	Online Lenders Alliance	Alexandria, VA	01/15/2017	Comment (PDF)
Nick Bourke	The Pew Charitable Trusts	Washington, DC	01/15/2017	Comment (PDF)
Patrick Murck Cooley LLP	on behalf of ShapeShift AG	_	01/15/2017	Comment (PDF)
Pete Mills Senior Vice President Residential Policy and Member Services	Mortgage Bankers Association	Washington, DC	01/15/2017	Comment (PDF)
Richard Eckman Pepper Hamilton LLP	on behalf of unnamed client	Wilmington, DE	01/15/2017	Comment (PDF)
Richard Eckman Pepper Hamilton LLP	on behalf of LEND360	Wilmington, DE	01/15/2017	Comment (PDF)
George Frost, Esq.	Law Offices of George Frost	Berkeley, CA	01/15/2017	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 CEO	Payoneer Inc.	New York, NY	01/15/2017	Comment (PDF)
Adam Rust Director of Research Marceline White Executive Director	Reinvestment Partners Maryland Consumer Rights Coalition	Durham, NC Baltimore, MD	01/14/2017	Comment (PDF)
Andrew Morris Regulatory Affairs Counsel	National Association of Federally-Insured Credit Unions	Arlington, VA	01/14/2017	Comment (PDF)
David Grindal Director, Solution Consulting	ACI Worldwide	Toronto, ONT	01/14/2017	Comment (PDF)
Dong Hong Vice President, Senior Counsel	Consumer Bankers Association	Washington, DC	01/14/2017	Comment (PDF)
Dr. Sead Muftic CEO	BIX Bank Corporation		01/14/2017	Comment (PDF)
Jason Gardner Founder and Chief Executive Officer	Marqeta, Inc.	Oakland, California	01/14/2017	Comment (PDF)
Kevin Stein	California Reinvestment Coalition	San Francisco, CA	01/14/2017	Comment (PDF)
Andy Morrison Campaigns Coordinator	New Economy Project on behalf of signees	New York, NY	01/13/2017	Comment (PDF)
Benson F. Roberts President and CEO	National Association of Affordable Housing Lenders	Washington, DC	01/13/2017	Comment (PDF)
Courtney K. Robinson Policy Counsel	Center for Responsible Lending	Washington, DC	01/13/2017	Comment (PDF)
David G. Schroeder Vice President Federal Governmental Relations	Community Bankers Association of Illinois	Springfield, IL	01/13/2017	Comment (PDF)
David Klein CEO & Co-Founder	CommonBond, Inc	New York, NY	01/13/2017	Comment (PDF)
Deborah Hagan Chief, Consumer Protection Division	Office of the Attorney General State of Illinois	Chicago, IL	01/13/2017	Comment (PDF)
Dr. Douglas Jackson Director	Fulcrum IP Corporation	Florida	01/13/2017	Comment (PDF)
Eric Weaver CEO & Founder	Opportunity Fund	Los Angeles, CA	01/13/2017	Comment (PDF)
Frank R. Pignanelli Executive Director	National Association of Industrial Bankers	Salt Lake City, UT	01/13/2017	Comment (PDF)
Gary Lewis Evans President & CEO	Paymency Inc.	San Diego, CA	01/13/2017	Comment (PDF)
Jessie Cheng Deputy General Counsel	Ripple	San Francisco, CA	01/13/2017	Comment (PDF)
Joan Aristei Vice President Regulatory Legal & Compliance	Oportun, Inc.	Redwood City, CA	01/13/2017	Comment (PDF)
John A. Costa Managing Director	Auriemma Consulting Group	New York, NY	01/13/2017	Comment (PDF)
John Taylor President and CEO	National Community Reinvestment Coalition	Washington, DC	01/13/2017	Comment (PDF)
Judith Rinearson Partner, K&L Gates, MSBA Advisor	Money Services Business Association	New York, NY	01/13/2017	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	01/13/2017	Comment (PDF)
Kevin Foster-Keddie President/CEO Board Chair	WSECU QCash Financial, LLC	Olympia, WA	01/13/2017	Comment (PDF)
Michael Townsley Senior Analyst & Policy Counsel	Conference of State Bank Supervisors	Washington, DC	01/13/2017	Comment (PDF)
Paul A Waltz President/CEO	SHAZAM, Inc	Johnston, IA	01/13/2017	Comment (PDF)
Peter Renton Co-founder and Chairman Founder and CEO	LendIt Conference LLC Lend Academy LLC	Denver, CO	01/13/2017	Comment (PDF)
Peter Van Valkenburgh	Coin Center	Washington, DC	01/13/2017	Comment (PDF)
Richard Foster Senior Vice President & Senior Counsel for Regulatory and Legal Affairs Christopher F. Feeney President	Financial Services Roundtable BITS	Washington, DC	01/13/2017	Comment (PDF)
Richard Johns Executive Director	Structured Finance Industry Group	Washington, DC	01/13/2017	Comment (PDF)
Rose Oswald Peels President/CEO	Wisconsin Bankers Association	Madison. WI	01/13/2017	Comment (PDF)
Scott Askins General Counsel	Kabbage, Inc.	Atlanta, GA	01/13/2017	Comment (PDF)
Sushil K. Tuli President & CEO Brook L. Ames, Esq. In-House Counsel	Leader Bank, N.A.	Arlington, MA	01/13/2017	Comment (PDF)
Thor Tobin Mathison General Counsel	PromisePay Inc.	St. Louis, MO	01/13/2017	Comment (PDF)
Timothy Flacke Executive Director	Commonwealth	Boston, MA	01/13/2017	Comment (PDF)
The Honorable Members of Congress: Tony Cárdenas Gregory W. Meeks Gwen Moore Donald M. Payne, Jr. Cedric L. Richmond Terri A. Sewell	U.S. House of Representatives	Washington, DC	01/13/2017	Comment (PDF)
William E. Brown 2017 President	National Association of REALTORS®	Washington, DC	01/13/2017	Comment (PDF)
Aaron Greenspan President & CEO	Think Computer Corporation	San Jose, CA	01/12/2017	Comment (PDF)
Joseph R. Hasto, Jr. Chief Financial Officer	Elements Financial Federal Credit Union	Indianapolis, IN	01/12/2017	Comment (PDF)
Masayuki Hosaka President Vice Chairman and FinTech Segment Leader	Rakuten Card Co., Ltd. Rakuten, Inc.	San Mateo, CA	01/12/2017	Comment (PDF)
Robert S. Lavet General Counsel	Social Finance, Inc.	Reston, VA	01/12/2017	Comment (PDF)
Stephen Denis	Small Business Finance Association	Washington, DC	01/12/2017	Comment (PDF)
Jennifer J. Finger EVP Strategy and Development	Beneficial State Bank	Oakland, CA	01/11/2017	Comment (PDF)
Joel Sherwin President	Neopay	Los Angeles, CA	01/11/2017	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 Entrepreneur			12/27/2016	Comment (PDF)
Timothy Li CEO	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 Entrepreneur		Binghamton, NY	12/07/2016	Comment (PDF)
Edward J. Boyle Bank-tech Executive		Montclair, NJ	12/06/2016	Comment (PDF)
Robert E. Rutkowski		Topeka, KS	12/06/2016	Comment (PDF)