I dislike the term "lend-able cash," because the bank creates bank-money by the stroke of a pen.

Point taken. I was unsatisfied with the term myself and artlessly rewrote the sentence at least once, but still came up with garbage. Compliance with regulatory requirements is the concept. Perhaps I should have written "...to reload their pen with Central Bank approved ink."

"It is not necessary to have hope in order to persevere."