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so we will begin todays keynote with Keith Marika who is the acting Comptroller of the currency and we are just absolutely delighted to have him here today over at the Institute of international economic law to talk about a topic that I know is of enormous interest to all of us today the FinTech charter program and obviously the larger regulatory activities of the OCC the IIE L was very very fortunate to host Mr curry here when he had articulated a vision of the FinTech program and the foot of the FinTech charter program and since then we here have been in very close cooperation and in many conversations frankly with the OCC here at Georgetown so again its its just a pleasure to continue that relationship the controller of the currency is an administrator of the federal banking system and the head of the Office of the Comptroller of the currency the OCC supervises more than 1,400 national banks and federal savings associations and about 50 federal branches and agencies of foreign b