The Office of the Comptroller of the Currency, the Federal Reserve, and the FDIC jointly released a statement requesting information on a wide variety of bank-fintech agreements, including those pertaining to lending, payments, and deposit products and services.

As they consider next actions, the authorities are "seeking input on the nature and implications of bank-fintech arrangements and effective risk management practices."

Regulators also take note of the fact that certain banks have partnered with other firms to offer deposit-related services and products, such savings and checking accounts.

"A bank’s use of third parties to perform certain activities does not diminish its responsibility to comply with all applicable laws and regulations," cautions the banking authorities.