I'm not taking the blame out of carmakers, but it is very easy to end up with regulations that when taken together are not feasible.
Imaginary example: you need a capital/asset ratio of at least 20% (which means capital/liab. of at least that, by definition). But you also require at least 30% of the liabilities to be long-term debt. Another regulation says that 50% of loans must be financed with deposits, and so on. The end effect is that there is little margin for these banks to decide on their liabilities. At the extreme, if we impose unfeasible restrictions, they might just end up skirting some of the rules.