Dr Mpe, I'm "eupean" too
, and I was in PR recently , nice county and nice ppl but was impossible to open an account, it seems the new regulations are very tight, it is impossible without a US SS number , a couple of banks, the popular and Santander (branch of a spain bank) offered a "special" account for non-residents, but very restricted and really usseles unless you want to tranfer big amounts of money to PR for investing purposes.
I also contacted with the internet bank in delaware I think Scott sugested us in another thread and they told me that due to the new regulations it cannot be done for now, suposedly a new regulation is on the way.
regards