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国际资讯监管与政策

美国fintech行业终于迎来全国性监管时代?

国际资讯监管与政策

美国fintech行业终于迎来全国性监管时代?

本周二,美国货币监理署(后文简称OCC)表示,将开始接受fintech公司的国家执照申请。这也是fintech公司首次得以接受联邦监管。

OCC这一举措受到了来自 OnDeck Capital、 Kabbage 和 LendingClub等公司的强烈欢迎,因为这可以让他们能够在单一执照和监管体制下在全国运营而不是需要获得一系列州执照。

这一决定此后也得到了美国财政部的支持。周二早些时候,财政部在一篇报告中说OCC牌照可以支持非银行金融机构并扶持科技驱动的创新。但财政部认为不应允许fintech公司使用此类牌照接受政府担保存款。

政策目前已经生效,OCC将从即日起接受非储蓄性fintech公司申请特殊目的国家银行执照。

业内人士认为“OCC仅接受非储蓄性公司申请”这条限制旨在减少纳税人承担的风险,但限制了一些fintech公司使用此牌照。

OCC说申请成功者将受到与可比银行一样的监管,而且公司还需提供运营安全受到威胁时的紧急应对计划。

fintech牌照概念首次在2016年由OCC提出。各州监管者强烈反对这一想法,认为此不在OCC法定权力范围内。

去年纽约金融服务部和国家银行监事协会(后文简称CSBS)起诉OCC以阻止牌照实施但败诉。

纽约金融服务部在一份声明中说OCC将"不公正的"将联邦监管体制强加于州监管制度上。

CSBS没有排除再次起诉可能。

美国独立社区银行家协会也提出担忧,认为此类拍照可能将允许fintech公司规避严厉银行业规定。

但财政部和许多保守共和党人士认为,促进fintech发展可以推动小企业成长并创造就业。

 

 

A U.S. bank regulator said on Tuesday it would start accepting national charter applications from financial technology companies, giving so-called fintech firms a path to federal oversight for the first time.

The move by the U.S. Office of the Comptroller of the Currency (OCC) will be cheered by the likes of OnDeck Capital Inc (N:ONDK), Kabbage and LendingClub Corp (N:LC) because it opens the door to operating nationwide under a single licensing and regulatory regime instead of a patchwork of state licenses.

The decision came hours after the Treasury Department endorsed the approach. Effective immediately, the OCC will accept applications from non-depository fintech companies for a special purpose national bank charter.

The regulator said successful applicants would be supervised similarly to comparable banks, and companies must provide a contingency plan for how they would navigate financial stress that could threaten their operations.

There is no current federal regulatory regime for fintech firms, meaning online lenders must seek licenses in every state they wish to operate, an onerous and expensive process, or partner with traditional banks.

The OCC charter would allow fintech firms to operate independently across the country under a single federal license.

"If they can create a national standard of sorts and harmonize that regulatory burden then that will provide a real benefit to America’s small businesses and hopefully in the long run decrease of the cost of credit,” said Scott Stewart, chief executive of trade group Innovative Lending Platform Association.

A fintech charter was first floated by the OCC in 2016. State regulators have vigorously opposed the idea, saying it exceeds the OCC's statutory authority.

The New York Department of Financial Services and the Conference of State Bank Supervisors (CSBS) unsuccessfully sued the OCC last year to block the charter.

In a statement, the New York regulator said the OCC decision will impose an "unjustified" federal regulatory scheme on the state regulatory landscape.

The CSBS did not rule out further litigation. “State regulators are keeping all options open to stop this regulatory overreach," the group said in a statement.

The Independent Community Bankers of America has also raised concerns, saying such a charter may allow fintech firms to circumvent tough banking rules.

But the Treasury and many conservative Republicans see promoting fintech as a way to boost small companies and create jobs.

In a report earlier on Tuesday, the Treasury recommended the charter as a way to support non-bank financial institutions and foster technology-driven innovation.

But the Treasury recommended against allowing fintech firms to collect government-insured deposits under such a charter.

The OCC will only accept applications from non-depository firms. This limitation, which aims to reduce risks to taxpayers, could undermine the use of a charter for some fintech firms, according to industry insiders.

Tuesday's report was the last of four by the Treasury as part of a review of financial rules mandated by an executive order from U.S. President Donald Trump in February.

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