Morgan Stanley & Co. LLC

1585 Broadway

New York, New York 10036

Goldman Sachs & Co. LLC

200 West Street

New York, New York 10282

J.P. Morgan Securities LLC

383 Madison Avenue

New York, New York 10179

June 10, 2025

VIA EDGAR

U.S. Securities and Exchange Commission

Division of Corporation Finance

Office of Finance

100 F Street, N.E.

Washington, D.C. 20549-6010

Attn:	James Lopez
	Tonya Aldave
	John Spitz
	Michael Henderson

Re:	Chime Financial, Inc.
	Registration Statement on Form S-1, as amended (File No. 333-287223)
	Request for Acceleration of Effective Date
	Requested Date:	June 11, 2025
	Requested Time:	4:00 p.m., Eastern Time

Ladies and Gentlemen:

In accordance with Rule 461 under the Securities Act of 1933, as amended (the “Act”), we, as representatives of the several underwriters, hereby join in the request of Chime Financial, Inc. (the “Company”) for acceleration of the effective date of the above-referenced Registration Statement on Form S-1 (File No. 333-287223) so that it becomes effective as of 4:00 p.m. Eastern time on June 11, 2025, or as soon thereafter as practicable, or at such other time as the Company or its outside counsel, Wilson Sonsini Goodrich & Rosati, Professional Corporation, request by telephone that such Registration Statement be declared effective. We, the undersigned Representatives, confirm that the underwriters are aware of their obligations under the Act.

Pursuant to Rule 460 under the Act, we, as representatives of the several underwriters, wish to advise you that there will be distributed to each underwriter or dealer, who is reasonably anticipated to

participate in the distribution of the security, as many copies of the proposed form of preliminary prospectus as appears to be reasonable to secure adequate distribution of the preliminary prospectus.

We, the undersigned, as representatives of the several underwriters, have complied and will comply, and we have been informed by the participating underwriters that they have complied and will comply, with the requirements of Rule 15c2-8 under the Securities Exchange Act of 1934, as amended, in connection with the proposed offering.

* * * *

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Very truly yours,
Morgan Stanley & Co. LLC
Goldman Sachs & Co. LLC
J.P. Morgan Securities LLC
As representatives of the several
Underwriters listed in Schedule I of the
Underwriting Agreement
By:	Morgan Stanley & Co. LLC
By:	/s/ Ambreen Sayed
	Name: Ambreen Sayed
	Title: Executive Director, Technology Investment Banking Division
By:	Goldman Sachs & Co. LLC
By:	/s/ Danielle Freeman
	Name: Danielle Freeman
	Title: Managing Director
By:	J.P. Morgan Securities LLC
By:	/s/ Alaoui Zenere
	Name: Alaoui Zenere
	Title: Managing Director

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cc:	Christopher Britt, Chime Financial, Inc.
	Adam Frankel, Chime Financial, Inc.
	Apple Palarca, Chime Financial, Inc.
	Rezwan D. Pavri, Wilson Sonsini Goodrich & Rosati, P.C.
	Lisa L. Stimmell, Wilson Sonsini Goodrich & Rosati, P.C.
	Colin G. Conklin, Wilson Sonsini Goodrich & Rosati, P.C.
	David K. Lam, Wachtell, Lipton, Rosen & Katz
	Steven R. Green, Wachtell, Lipton, Rosen & Katz
	Byron B. Rooney, Davis Polk & Wardwell LLP
	Marcel R. Fausten, Davis Polk & Wardwell LLP
	Emily Roberts, Davis Polk & Wardwell LLP

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