“Financial institution” means:
1. A bank, commercial bank or banking corporation as defined in NRS 657.016;
2. A banking institution which is authorized to issue credit cards pursuant to federal or state law;
3. A banking subsidiary owned by a bank holding company pursuant to 12 U.S.C. § 1841, or by a savings and loan holding company pursuant to 12 U.S.C. § 1467a(a)(1)(D); and
4. Any other federally regulated banking institution.