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(Lexington, Ky.) Herald-Leader: In early February, Cincinnati-based Kroger Co. rolled out a series of personal-finance offerings in the majority of its 2,400 stores across the country. Through Kroger Personal Finance, customers can apply for a mortgage or home-equity loan, sign up for identity-theft protection, purchase pet insurance or get a credit card. While getting a mortgage from Kroger might seem a bit unusual, it's not a great leap. Many Kroger stores have bank branches, and others retailers, including Wal-Mart and Home Depot, have both unsuccessfully sought permission from the Federal Deposit Insurance Corp. to operate their own banking companies. Wal-Mart recently withdrew its bid for a bank charter, but it continues to run a strong money-order and check-cashing business and is building a network of ATMs.
 

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