The OCC has released its draft licensing manual for companies seeking to apply for its fintech charter. The manual explains the purpose of this manual, the applicable licensing procedures toward a special purpose national bank (SPNB) charter, the standards of the charter and  the components of the business plan that must be submitted to OCC. The manual also explains the chartering decision process for any applications. The manual makes it very clear that these charters will be subject to all applicable banking regulations and laws. Read the manual.