If some company wants to lend money to an individual or another company, the risk is borne entirely by the lender. Apart from regulating collection practices an

If some company wants to lend money to an individual or another company, the risk is borne entirely by the lender. Apart from regulating collection practices and fairness in consumer lending, there's little reason for regulation. Bank regulations in most countries are usually focused on deposits (i.e. banks borrowing money). Because a poorly managed (or unscrupulous) bank could cause problems for parties other than the bank. Nice article about money creation: https://cepr.org/voxeu/columns/banks-do-not-create-money-out-thin-air https://cepr.org/voxeu/columns/banks-do-not-create-money-out...