Analysis

Dueling Fintech Regulatory Initiatives May Work Best Together

Law360 (November 20, 2019, 8:00 PM EST) -- Federal and state banking regulators have locked horns over the legality of the Office of the Comptroller of the Currency's fintech charter, but insiders say a state-backed initiative to standardize payment laws could work in concert with the charter to the benefit of the industry.

The OCC's controversial charter for nondepository financial institutions, known as the fintech charter, and the Conference of State Bank Supervisors' model payments law address related pain points stemming from a complex U.S. financial regulatory landscape, and attorneys and industry players tell Law360 the two may provide their own unique benefits to the space and ultimately complement each...

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