Public Comments on Innovation in the Federal Banking System: An OCC Perspective

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)