Supporting Responsible Innovation in the Federal Banking System- An OCC Perspective - 支持在联邦银行体系进行负责任的创新occ-perspective（2016年3月）.docxVIP

Supporting Responsible Innovation in the Federal Banking System:An OCC PerspectivePreface by the Comptroller of the CurrencyInnovation has been a hallmark of the national banking system since its founding in 1863 by President Lincoln. That innovative spirit has been especially evident in recent decades as national banks and federal savings associations have led the way in developing and adapting products, services, and technology to meet the changing needs of their customers.While banks continue to innovate, rapid and dramatic advances in financial technology (fintech) are beginning to disrupt