Financial Technology
Technological changes in the banking industry are rapidly evolving. The OCC’s focus in the financial technology area includes matters involving bank-fintech arrangements, artificial intelligence, digital assets and tokenization, as well as other new and changing technologies and business models that affect OCC-supervised banks.
The OCC established the Office of Financial Technology (OFT) in March 2023 to expand and build upon the Office of Innovation, which the agency launched in 2016. The OFT serves as the central point of contact and clearinghouse for requests and information related to financial technology.
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Financial Technology Topics
| Date | ID | Title |
|---|---|---|
| 06/03/2025 | NR 2025-51 | Acting Comptroller of the Currency Discusses Regulatory Agenda |
| 09/13/2024 | NR 2024-100 | Agencies Extend Comment Period on Request for Information on Bank-Fintech Arrangements |
| 07/25/2024 | NR 2024-85 | Agencies Remind Banks of Potential Risks Associated with Third-Party Deposit Arrangements and Request Additional Information on Bank-Fintech Arrangements |
| 07/17/2024 | NR 2024-79 | Acting Comptroller Discusses Trends Reshaping Banking |
| 05/03/2024 | NR 2024-46 | Agencies Issue Guide to Assist Community Banks to Develop and Implement Third-Party Risk Management Practices |
| 06/06/2023 | NR 2023-53 | Agencies Issue Final Guidance on Third-Party Risk Management |
| 08/27/2021 | NR 2021-85 | Agencies Issue Guide to Help Community Banks Evaluate Fintech Relationships |
| Date | ID | Title |
|---|---|---|
| 07/14/2025 | NR 2025-68 | Agencies Issue Joint Statement on Risk-Management Considerations For Crypto-Asset Safekeeping |
| 05/08/2025 | NR 2025-43 | Acting Comptroller of the Currency Discusses Agency Priorities |
| 05/07/2025 | NR 2025-42 | OCC Clarifies Bank Authority to Engage in Crypto-Asset Custody and Execution Services |
| 03/12/2025 | NR 2025-18 | OCC to Host Virtual Innovation Office Hours |
| 03/07/2025 | NR 2025-16 | OCC Clarifies Bank Authority to Engage in Certain Cryptocurrency Activities |
| 05/16/2024 | NR 2024-52 | Acting Comptroller Testifies on Agency Activities |
| 02/22/2024 | NR 2024-18 | Acting Comptroller Discusses Consolidated Supervision of Crypto-Asset Intermediaries |
| 11/13/2023 | NR 2023-123 | Registration Open for OCC Symposium on the Tokenization of Real-World Assets and Liabilities |
| 10/18/2023 | NR 2023-114 | OCC to Host Symposium on the Tokenization of Real-World Assets and Liabilities |
| 06/16/2023 | NR 2023-64 | Acting Comptroller Discusses Tokenization, Artificial Intelligence |
| Date | ID | Title |
|---|---|---|
| 05/05/2025 | NR 2025-41 | OCC Issues Request for Information on Community Bank Digitalization |
| 04/29/2025 | NR 2025-38 | Acting Comptroller of the Currency Discusses Artificial Intelligence |
| 10/07/2024 | NR 2024-115 | OCC Solicits Research on Artificial Intelligence in Banking and Finance |
| 06/06/2024 | NR 2024-61 | Acting Comptroller Discusses Artificial Intelligence and Financial Stability |
| 06/16/2023 | NR 2023-64 | Acting Comptroller Discusses Tokenization, Artificial Intelligence |
| 03/30/2023 | NR 2023-30 | Acting Comptroller Emphasizes Focus on Safe and Sound Banking System, Discusses Elevating Fairness in Banking |
| 05/13/2022 | NR 2022-52 | Deputy Comptroller Testifies on Artificial Intelligence |
| 05/17/2021 | NR 2021-54 | Agencies Extend Comment Period on Request for Information on Artificial Intelligence |
| 03/29/2021 | NR 2021-39 | Agencies Seek Wide Range of Views on Financial Institutions’ Use of Artificial Intelligence |
| Date | ID | Title |
|---|---|---|
| 07/14/2025 | NR 2025-68 | Agencies Issue Joint Statement on Risk-Management Considerations For Crypto-Asset Safekeeping |
| 06/03/2025 | NR 2025-51 | Acting Comptroller of the Currency Discusses Regulatory Agenda |
| 05/08/2025 | NR 2025-43 | Acting Comptroller of the Currency Discusses Agency Priorities |
| 05/07/2025 | NR 2025-42 | OCC Clarifies Bank Authority to Engage in Crypto-Asset Custody and Execution Services |
| 05/05/2025 | NR 2025-41 | OCC Issues Request for Information on Community Bank Digitalization |
| 04/29/2025 | NR 2025-38 | Acting Comptroller of the Currency Discusses Artificial Intelligence |
| 04/16/2025 | NR 2025-33 | Acting Comptroller of the Currency Discusses Agency Priorities |
| 03/27/2025 | NR 2025-25 | Acting Comptroller Encourages Innovation to Foster Financial Inclusion |
| 03/07/2025 | NR 2025-16 | OCC Clarifies Bank Authority to Engage in Certain Cryptocurrency Activities |
| 11/20/2024 | NR 2024-124 | Acting Comptroller Testifies on State of the Federal Banking System |
Outreach & Technical Assistance
- Establishes ongoing dialogue with banks, nonbanks (including financial technology (fintech) companies), and other stakeholders
- Provides technical assistance to banks and nonbanks
- Promotes awareness and understanding of OCC positions and expectations
Awareness & Training
- Fosters OCC staff awareness of responsible innovation and emerging trends
- Improves training and enhances the skills of examiners and other OCC staff
- Develops processes to build and leverage OCC experience and expertise
Coordination & Facilitation
- Implements a process to streamline and coordinate innovation-related decisions to ensure transparent and timely responses to inquiries
- Creates a process for OCC participation in bank-run pilots
Research
- Assesses continuously the landscape and trends in financial innovation
- Uses research and ongoing stakeholder dialogue to inform OCC policy, supervision, and analysis
Interagency Collaboration
- Uses existing communication channels to share information and collaborate with domestic and international regulators
Related News and Issuances
| Date | ID | Title |
|---|---|---|
| 07/14/2025 | NR 2025-68 | Agencies Issue Joint Statement on Risk-Management Considerations For Crypto-Asset Safekeeping |
| 06/03/2025 | NR 2025-51 | Acting Comptroller of the Currency Discusses Regulatory Agenda |
| 03/12/2025 | NR 2025-18 | OCC to Host Virtual Innovation Office Hours |
| 03/14/2024 | NR 2024-26 | OCC to Host Office Hours in San Francisco |
| 11/03/2022 | NR 2022-134 | OCC to Host Virtual Innovation Office Hours |
| 10/27/2022 | NR 2022-133 | OCC Announces Office of Financial Technology |
| 10/06/2022 | NR 2022-124 | OCC Releases Bank Supervision Operating Plan for Fiscal Year 2023 |
| 08/11/2022 | NR 2022-97 | OCC to Host Virtual Innovation Office Hours |
| 05/12/2022 | NR 2022-51 | Acting Comptroller Discusses Expanding Diversity and Inclusion, Minority Homeownership |
| 05/04/2022 | NR 2022-46 | OCC to Host Virtual Innovation Office Hours |
Related News and Issuances
| Date | ID | Title |
|---|---|---|
| 07/14/2025 | OCC 2025-17 | Bank Activities: Crypto-Asset Safekeeping Services |
| 07/14/2025 | NR 2025-68 | Agencies Issue Joint Statement on Risk-Management Considerations For Crypto-Asset Safekeeping |
| 06/03/2025 | NR 2025-51 | Acting Comptroller of the Currency Discusses Regulatory Agenda |