Public Comments on Innovation in the Federal Banking System: An OCC Perspective
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In March 2016, the OCC published a paper to provide its perspective on the state of innovation in the financial services industry, outline its approach to developing a framework for identifying and evaluating financial innovation, and solicit feedback. Read the paper, Supporting Responsible Innovation in the Federal Banking System: An OCC Perspective (PDF). Comments may be submitted by emailing innovation@occ.treas.gov through May 31, 2016.
In general, the OCC will publish all comments on its website. Comments will be published without change, including any business or personal information provided such as name and address, email address, or phone number. Comments received, including attachments and other supporting materials, are subject to public disclosure. Do not include any information in your comment 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 |
|---|---|---|---|---|
| Randi D. Adelstein Group Head |
MasterCard Worldwide Global Regulatory Counsel |
Purchase, NY | 6/24/2016 | Comment (PDF) |
| Mark Smedley Vice President |
Global Financial Services Industry Oracle Corporation |
Washington, D.C. | 6/14/2016 | Comment (PDF) |
| Donald T. Parker Executive Vice President, Chief Information Officer |
BOK Financial | Tulsa, OK | 6/3/2016 | Comment (PDF) |
| John A. Beccia General Counsel and Chief Compliance Officer |
Circle Internet Financial, Inc. | Boston, MA | 6/2/2016 | Comment (PDF) |
| Juan Suarez Counsel |
Coinbase | San Francisco, CA | 6/2/2016 | Comment (PDF) |
| William Cunningham CEO |
COEPTIS | Melbourne, FL | 6/1/2016 | Comment (PDF) |
| Jackson Mueller Deputy Director, FinTech Program Staci Warden Executive Director |
Center for Financial Markets Milken Institute |
Washington, D.C. | 6/1/2016 | Comment (PDF) Appendix 1 (PDF) Appendix 2 (PDF) |
| Steven Pae SVP/Technology and Operations |
CIT Group | Livingston, NJ | 6/1/2016 | Comment (PDF) |
| Perianne Boring Founder and President |
Chamber of Digital Commerce | Washington, D.C. | 6/1/2016 | Comment (PDF) |
| Benjamin M. Kahrl General Counsel |
Global Debt Registry | Wilmington, DE | 5/31/2016 | Comment (PDF) |
| Joan Aristei Vice President, Enterprise Risk & Compliance & Legal Counsel |
Oportun, Inc. | Redwood City, CA | 5/31/2016 | Comment (PDF) |
| Richard H. Neiman Head of Regulatory & Government Affairs |
Lending Club | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Jo Ann S. Barefoot CEO |
Jo Ann Barefoot Group Senior Fellow, Mossavar-Rahmani Center for Business & Government, Harvard University |
Boston, MA | 5/31/2016 | Comment (PDF) |
| Jason Albert Assistant General Counsel Regulatory Affairs |
Microsoft Corporation | Redmond, WA | 5/31/2016 | Comment (PDF) |
| Meredith Fuchs Senior Vice President & Chief Counsel, Regulatory Advisory |
Capital One | McLean, VA | 5/31/2016 | Comment (PDF) |
| Jotaka Eaddy Head of Government Affairs |
LendUp | San Francisco, CA | 5/31/2016 | Comment (PDF) |
| Marcus Schüler Head of Regulatory Affairs |
Markit | New York, NY | 5/31/2016 | Comment (PDF) |
| Obrea O. Poindexter | Morrison & Foerster | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Richard R. Riese | SMAART.COnsulting | Upper Marlboro, MD | 5/31/2016 | Comment (PDF) |
| Azba Habib Assistant General Counsel Kabbage, Inc. Daniel Gorfine VP, External Affairs and Associate General Counsel OnDeck Capital, Inc. Parris Sanz Chief Legal Officer CAN Capital, Inc. |
Innovative Lending Platform Association | 5/31/2016 | Comment (PDF) | |
| Steve Denis Executive Director |
Small Business Finance Association | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Brian Graham Chief Executive Officer |
Alliance Partners | Chevy Chase, MD | 5/31/2016 | Comment (PDF) |
| Buzz Roberts President and CEO |
National Association of Affordable Housing Lenders (Council for Rural and Affordable Housing Institute of Real Estate Management Leading Age National Affordable Housing Management Association National Apartment Association National Association of Affordable Housing Lenders National Association of REALTORS National Leased Housing Association National Multifamily Housing Council) |
Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Charley Cooper Managing Director |
R3 CEV Ltd. | New York, NY | 5/31/2016 | Comment (PDF) |
| Michael P. Lyons EVP. Head of Corporate & Institutional Banking |
PNC | Pittsburgh, PA | 5/31/2016 | Comment (PDF) |
| Richard Foster Senior Vice President & Senior Counsel for Regulatory and Legal Affairs Chris Feeney President |
Financial Services Roundtable/BITS | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Wayne A. Abernathy Executive Vice President Financial Institutions Policy and Regulatory Affairs |
American Bankers Association | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Brian Peters Executive Director |
Financial Innovation Now | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| John Taylor President and CEO |
The National Community Reinvestment Coalition | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| David Pommerehn Vice President, Senior Counsel |
Consumer Bankers Association | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Daniel Morgan Head of Policy and Regulation |
Innovate Finance | London, England | 5/31/2016 | Comment (PDF) |
| Mirador Financial, Inc. | Portland, OR | 5/31/2016 | Comment (PDF) | |
| Anna Schwartz Senior Director of Legal |
Credit Karma, Inc. | San Francisco, CA | 5/31/2016 | Comment (PDF) |
| John Court Managing Director and Deputy General Counsel | The Clearing House Association L.L.C. | New York, NY | 5/31/2016 | Comment (PDF) |
| Vikram S. Pandit Chairman and Chief Executive Officer |
The Orogen Group | New York, NY | 5/31/2016 | Comment (PDF) |
| Lauren Saunders Associate Director |
National Consumer Law Center | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Jennifer Tescher President & CEO Jeanne M. Hogarth Vice President |
Center for Financial Services Innovation | Chicago, IL | 5/31/2016 | Comment (PDF) |
| William D. Sullivan Senior Director & Group Manager Government & Industry Relations |
NACHA – The Electronic Payments Association | Herndon, VA | 5/31/2016 | Comment (PDF) |
| Michael J. Adelman President & CEO |
Ohio Bankers League | Columbus, OH | 5/31/2016 | Comment (PDF) |
| Tod R. Burwell President and Chief Executive Officer |
Bankers Association for Finance and Trade | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Thaddeus King, Officer Consumer Banking Project Susan Weinstock, Director Consumer Banking Project Nick Bourke, Director Small-Dollar Loans Project |
The Pew Charitable Trusts | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Karen M. Thomas Senior Executive Vice President, Government Relations & Public Policy |
Independent Community Bankers of America | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Sima Gandhi Head of Business Development & Strategy |
Plaid Technologies | San Francisco, CA | 5/31/2016 | Comment (PDF) |
| Brent E. Adams Vice President of Policy |
California Reinvestment Coalition Main Street Alliance National People’s Action Woodstock Institute |
Chicago, Illinois | 5/31/2016 | Comment (PDF) |
| Peter Van Valkenburgh & Jerry Brito | Coin Center | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Austen Jensen Vice President |
Retail Industry Leaders Association | Arlington, VA | 5/31/2016 | Comment(PDF) |
| Dominic Venturo Executive Vice President and Chief Innovation Officer |
U.S. Bank | Washington, D.C. | 5/31/2016 | Comment (PDF) |
| Catherine A Allen President and CEO |
The Santa Fe Group, Shared Assessments Program |
Santa Fe, New Mexico | 5/31/2016 | Comment (PDF) |
| Timothy Flacke Executive Director |
Doorways to Dreams Fund | Allston, MA | 5/31/2016 | Comment (PDF) |
| Ryan Zagone Director of Regulatory Relations |
Ripple | San Francisco, CA | 5/30/2016 | Comment (PDF) |
| Andrew Ruben | Individual | Yale Law School | 5/30/2016 | Comment (PDF) |
| Perry Rahbar Founder/CEO |
dv01 | New York, NY | 5/30/2016 | Comment (PDF) |
| Charles Cheatham SVP & General Counsel |
BankOnIT | Oklahoma City, Oklahoma | 5/27/2016 | Comment (PDF) |
| Richard Johns Executive Director |
Structured Finance Industry Group | Washington, D.C. | 5/27/2016 | Comment (PDF) |
| Scott Talbott Senior Vice President, Government Relations Mary C. Albert Director, Regulatory Affairs |
Electronic Transactions Association | Washington, D.C. | 5/27/2016 | Comment (PDF) |
| Martin Dietrich Chairman and Chief Executive Officer |
NBT Bank, N.A. | Norwich, NY | 5/27/2016 | Comment (PDF) |
| Heather Cox, CEO | Citi FinTech | Long Island City, NY | 5/26/2016 | Comment (PDF) |
| Kevin Hanson - EVP/Director of Lending Gate City Bank | Gate City Bank | North Dakota | 5/25/2016 | Comment (PDF) |
| John H. Henson VP, Head of Compliance | LendingTree, Inc. | Charlotte, NC | 5/24/2015 | Comment (PDF) |
| Brian Knight, Senior Research Fellow, Financial Markets Working Group | Mercatus Center at George Mason University | Arlington, VA | 5/12/2016 | Comment (PDF) |
| Sandra Holly | Individual | Hyattsville, MD | 4/18/2016 | Comment (PDF) |