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Shad·ow bank·ing

noun
- 1. lending and other financial activities conducted by unregulated institutions or under unregulated conditions: "regulators will tell politicians how they plan to reform shadow banking"
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Shadow banking system
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Non-bank financial intermediaries providiving services similar to banks outside banking
The shadow banking system is a term for the collection of non-bank financial intermediaries (NBFIs) that legally provide services similar to traditional commercial banks but outside normal banking regulations. Examples of NBFIs include hedge funds, insurance firms, pawn shops, cashier's check issuers, check cashing locations, payday lending, currency exchanges, and microloan organizations. Wikipedia
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