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The YouTube video tutorial discusses the four phases of the OCC FinTech charter application process. The pre filing phase involves meetings and interviews with the OCC's Office of Innovation. This phase is essential for both banks and FinTech companies before submitting a formal application. The next phases include filing, review, and decision-making, all of which are outlined in the OCC guidance. This structured process helps companies understand and navigate the requirements for obtaining a FinTech charter.