Papers

Financial Technology Association (FTA)

Just the Facts: Bank Charters for Fintechs

The Financial Technology Association (FTA) is a nonprofit trade organization that educates consumers,
regulators, policymakers, and industry stakeholders on the value of technology-centered financial services and
advocates for the modernization of financial regulation to support inclusion and innovation. FTA’s “Just the
Facts” series aims to inform financial technology policy discussions in order to safeguard consumers and
advance the development of trusted, digital financial markets and services.

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Cheerful young african woman wearing coat walking outdoors, holding takeaway coffee cup, using mobile phone. Graphic of FTA logo and text that says Shaping the Future of Finance is combined with the image.

Shaping the Future of Finance

Introducing the Future of Finance.
Technology-driven innovation is transforming the way we offer, access, and benefit from financial services and markets in the United States.

By using internet and mobile platforms, machine learning, automation, and other modern technologies to deliver financial products and services, financial technology (“fintech”) companies are improving efficiency and transparency, broadening equity, access and inclusion, reducing costs, and increasing choice and opportunities for consumers and businesses.

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