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FinTech Regulations and Supervision in the United States

In: Fintech Regulation and Supervision Challenges within the Banking Industry

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  • Felix I. Lessambo

    (Fordham University)

Abstract

Fintech businesses are not subject to any fintech-specific regulatory framework by any single federal or state regulator. Rather, depending on the activities performed, a fintech company may be subject to a myriad of federal and state licensing or registration requirements and, thereby, also subject to laws and regulations at both the federal and state levels. The Office of the Comptroller of the Currency (OCC), the primary federal bank regulator for national banks, announced in July 2018 that it would begin accepting special purpose national bank charter applications from fintech companies that receive deposits, paychecks, or lend money.

Suggested Citation

  • Felix I. Lessambo, 2023. "FinTech Regulations and Supervision in the United States," Palgrave Macmillan Studies in Banking and Financial Institutions, in: Fintech Regulation and Supervision Challenges within the Banking Industry, chapter 0, pages 43-71, Palgrave Macmillan.
    • Handle: RePEc:pal:pmschp:978-3-031-25428-4_3
    DOI: 10.1007/978-3-031-25428-4_3
    as

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