If Congress succeeds in passing regulatory relief, consumers in rural areas could soon find it easier to open accounts at banks and credit unions. Under a provision tucked into the Senate version of a regulatory relief bill that passed out of committee last week, financial institutions would be able to use a scan of a customer's driver's license or other photo identification to verify that person's identity when opening an account online. The Making Online Banking Initiation Legal and Easy, or MOBILE, Act, is intended to address a patchwork of state-level restrictions concerning how state-issued photo IDs may be copied or used.