Read the articles:
 
      1)
Ice-Cream Bank’s Rocky Road
 
http://online.wsj.com/article/SB10000872396390444433504577649971326432962.html
 
 
 
2)
     
Pittsburgh ice cream bank owner says regulators are backing off
 
 
 
http://www.wtae.com/news/local/allegheny/Pittsburgh-ice-cream-bank-owner-says-regulators-are-backing-off/19522712
 
 
 
March 29, 2013
 
 
 
 
 
You have to answer all 3 questions.
 
Is the bank really a bank?
Should this bank follow banks’ regulations?
Discuss the risks associated with this bank.