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Jill Castilla, CEO of Citizens Bank of Edmond, has taken steps to help her bank stand out from the crowd.

The U.S. territory has some of the nation’s highest electricity prices, but a new law spurred by Puerto Rico’s cooperativas could be a game changer for the island.

Traditional U.S. retail is in crisis at the hands of e-commerce. Bankers have a role to play to stop the bleeding through a combination of service, incentives, and payments technology.

Regulation is effectively priming the virtual currencies ecosystem for banks to engage by increasing transparency, reducing some of the associated risk, and lowering the barriers to entry. All of this will make it easier for banks to establish a role and to design new payment products, writes Elina Mattila, executive director at Mobey Forum.

The bank agreed to modify loans to struggling U.S. borrowers as part of a 2017 settlement. Instead, it’s receiving credit for financing new mortgages that likely would have been made anyway.

B. Riley FBR initiated equity coverage of the mortgage giant, citing housing finance reform proposals that could result in Fannie and Freddie Mac being released from conservatorship.

The San Francisco fintech, which uses artificial intelligence to make consumer credit decisions, has raised an additional $50 million. It also announced new partnerships with lenders and plans for a credit card.

The combined organization, representing nearly 500 member credit unions, is expected to launch early next year.

The moves are part of an ongoing effort by the Seattle bank to largely exit mortgage lending.

The congressional hearing will be ripe with opportunities for lawmakers to raise flags on issues of diversity, deregulation and social policy.