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This bill requires the Federal Reserve, the Comptroller of the Currency, and the Federal Deposit Insurance Corporation to study partnerships between financial technology companies and banking organizations, examining their effects on competition, innovation, consumer protection, and financial product availability. The bill also requires the National Credit Union Administration to conduct a similar study on fintech-credit union partnerships. Both studies must be completed within one year and reported to Congress, and may include recommendations for changes to federal banking laws or regulatory guidance to promote such partnerships.
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