The Georgia company will abstain from acquisitions this year as it looks to make internal improvements.

The bank missed expectations although profit rose 67%; with the California Democrat leading the House Financial Services Committee, deregulation could slow.

Its savings, budgeting, spending and goal-setting tools, combined with artificial intelligence to add smart insights and advice, are a good example of how regional banks are trying to distinguish their mobile products from those of bigger banks with larger tech budgets.

CEO Michael Corbat will need to lean heavily on credit cards and other consumer business lines, and keep driving down costs, to offset weaknesses in capital markets.

The agency is expected soon to propose a revamp of the 2017 regulation that would eliminate the ability-to-repay provisions, which small-dollar lenders saw as a direct threat to their business.