Public Comments on Exploring Special Purpose National Bank Charters for Fintech Companies
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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 |
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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) |
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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) |
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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) |
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Independent Community Bankers of America | Washington, DC | 01/17/2017 | Comment (PDF) |
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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) |
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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) |
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Center for Financial Markets Milken Institute |
New York, NY | 01/15/2017 | Comment (PDF) |
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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) |
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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) |
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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) |
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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) |
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The Honorable Members of Congress:
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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) |