Speech By Patrick Armstrong, Senior Risk Analysis Officer, Innovation And Products Team, ESMA: FinTech, Oslo Børs ASA Conference, 18 January 2017

Ladies and gentlemen,

It is both an honour and a great pleasure to be here today to speak at the Oslo Børs ASA: Stock exchange and Securities Conference.

Let me start by thanking the Oslo Børs for hosting us today and for having invited me to participate. The issue of FinTech and the regulatory response is a critical topic for both regulators and market participants. The challenge is what I call a regulatory ‘tipping point’ when does the regulator step in --- the point between ‘too small to care’ and ‘too large to ignore’.

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