Dr. Ian Malcom warned the owners of Jurassic Park that despite the efforts of the park to prevent dinosaurs reproducing, “life finds a way”. As with dinosaurs so to with people. Driven by advances in technology and the unmet need for services, new and innovative companies and products have stepped into the void left by traditional financial firms. These innovations allow millions of American consumers and businesses to access credit, transfer funds, and manage their financial lives more effectively than before. Unfortunately, regulation has not kept pace, making the United States less dynamic at home and less competitive globally. Fortunately, President Trump has an excellent opportunity to improve the lives of all Americans by preserving and promoting innovation and competition in financial services.