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A Push-Pull Fight Over Fintech Charters

机译：金融科技宪章的推挽式战斗

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摘要

Remember Dr. Dolittle? He was a vet who could talk to animals. One of the rarest was the "pushmi-pullyu," a llama with two heads at opposite ends of its body. The pushmi-pullyu experienced great frustration when it tried to move because each head wanted to trot the creature off in a different direction. Most of the time they got along fine, but occasionally their wills clashed, and the result was stalemate. In some ways, the mythical "pushmi-pullyu" reminds us of the "dual banking" battle between the OCC and the New York State Department of Financial Services over the agency's special-purpose national bank charter, sometimes called the "fintech charter." In Vullo v. OCC, Judge Victor Marrero ruled that OCC lacks authority under the National Bank Act's "business of banking" provision to offer a fintech charter.
机译：还记得Dolittle博士吗？他是一个可以和动物说话的兽医。最稀有的动物之一是美洲驼（pushmi-pullyu），美洲驼在其身体的两端分别有两个头部。 pushmi-pullyu尝试移动时遇到了极大的挫败感，因为每个头都想朝另一个方向小跑。在大多数情况下，他们相处得很好，但偶尔他们的意志发生冲突，结果陷入僵局。在某些方面，神话般的“ pushmi-pullyu”使我们想起了OCC和纽约州金融服务部之间就该机构的特殊用途国家银行宪章之间的“双重银行”之战，有时称为“双重银行”。 “ Vintech宪章。”在Vullo诉OCC案中，法官Victor Marrero裁定OCC缺乏《国家银行法》关于提供金融技术宪章的“银行业务”规定的授权。

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