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so last week we spoke about the new OCC FinTech charter and some of the advantages and disadvantages for FinTech companies in pursuing one and weve received questions about how that process works so today I want to talk about the four phases of the Charter application process which is a pre filing phase the filing phase the review phase and then the decision phase and each of these are formalized within the OCC guidance [Music] so the first phase of the application process for a FinTech charter is the pre filing phase and a lot of companies think well that she just consists of googling OCC figuring out what their address is and that we can engage in the finally but its not that simple the OCC encourages all applicants whether theyre banks or FinTech companies to go through a pre filing series of meetings and interviews with people at the OCC and for FinTech companies those initial meetings are with the OSC Cs office of innovation after that therell be meetings with the OCCs lice