Sorry for the brain fade here, but anyone give me some examples of a "Non-Bank Financial Institution" with which a bank may have a relationship?

The only one I can think of is if we have a check-cashing business as a customer. For purposes of a BSA exam, I'm am not sure if a deposit account would be considered a "relationship" in terms of increasing our risk profile, but I would appreciate any comments, viewpoints, experience, etc.

Doesn't Union Bank of CA have a check cashing company as a wholly owned subsidiary?

How about a Mortgage Company as a subsidiary of the Holding Company? I believe Alameda Banksharea was a multi-bank holding company that also had a mortgage subsidiary that all the "sister" banks used.