How do I know if I am a Financial Institution?

The term Financial Institution applies to but is not limited to a bank, credit or thrift institution, broker dealer, investment company, currency exchange, mortgage broker, insurance company, futures commission merchant, commodity pool operator, mutual fund, a licensed sender of money or any other person who engages as a business in the transmission of funds. The term Financial Institution also includes individuals who are engaged in collecting or pooling funds on the behalf of others.
Friedberg Direct considers entities with more than two individuals, General Partners, or Limited Partners who are aggregating assets for the purposes of engaging in forex transactions or trading commodity interests (e.g. spot foreign exchange, swaps, security futures, etc.) to fulfill the definition of a Financial Institution.