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<p><span>Thank you, Barry [Miller]. Thank you also to Professor Ajai Singh. It is a pleasure to be part of the University of Central Florida&rsquo;s inaugural FinTech Summit. This morning, I would like to discuss the ways in which financial regulators ought to engage with innovation. Before I begin, I will give my standard disclaimer: the views I express are my own and not necessarily those of the Securities and Exchange Commission (&ldquo;SEC&rdquo;) or my fellow Commissioners.</span></p>

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