> All banking regulations are due solely > to the fact that banks take deposits? Yes! Ability to take deposits is pretty much the definition of a bank[0]. So,

> All banking regulations are due solely > to the fact that banks take deposits? Yes! Ability to take deposits is pretty much the definition of a bank[0]. So, by definition, all banking regulations are due to banks' ability to take deposits. There are other financial regulations that apply to wider ranges of financial businesses (e.g. those related to detecting and preventing money laundering), but these are not specific to banks. Given that they apply to businesses that aren't banks, they can't be considered 'banking regulations'. [0] I'm not from the US, so this UK reference was easier to find than a US equivalent: https://www.bankofengland.co.uk/statistics/data-collection/institutions-in-the-uk-banking-sector https://www.bankofengland.co.uk/statistics/data-collection/i... If you want a list of banks in the UK, you will look at the Monetary Financial Institutions (MFI) list, which lists 'all banks and building societies who have permission to accept deposits in the UK.'