The Center for Financial Services Innovation (CFSI) is submitting this letter in response to the request for comments on “Exploring Special Purpose National Bank Charters for Fintech Companies,” issued by the Office of the Comptroller of the Currency (OCC) and published on December 2, 2016. Like you, we recognize the important role that access to high-quality financial products plays in helping consumers improve and maintain their financial health. We believe that finance can be a force for good in people’s lives and that meeting consumers’ and small businesses’ needs responsibly is ultimately good for the consumer, the small business, and the provider.