Although the fractional reserve requirement has been dropped to 0% recently. https://www.eidebailly.com/insights/articles/2020/4/federal-reserve-eliminates-res

Although the fractional reserve requirement has been dropped to 0% recently. https://www.eidebailly.com/insights/articles/2020/4/federal-reserve-eliminates-reserve-requirements https://www.eidebailly.com/insights/articles/2020/4/federal-... So there goes that regulation. At least there's FDIC?