Once you remove the Federal Reserve/Central Bank, you don't need any regulations.
Let them offer the types of loans they want, pay any rate of return, maintain any reserve, so long as it is public knowledge.
Some will offer the types of products you like and you will engage there, others won't.
Once it is a private business, you should have no control over how two consenting adults engage in business.
Everything I like should be protected, everything I don't like outlawed?