It is a very common and widespread misconception to think that banks are somehow limited by the deposits that they have received (what fractional reserve is essentially about).
So you are saying that this is a misconception: 12 CFR Part 204 - RESERVE REQUIREMENTS OF DEPOSITORY INSTITUTIONS (REGULATION D)
It is basically a test on how well you (not necessarily you personally, of course) understand what FRB refers to and is essentially about. Simply put, FRB says that banks can create credit only out of deposits that they have received (using a multiplier, hence fractional), but this is not how the modern banking system works, end of story
I didn't read this regulation (so bear with me) but I guess these requirements demand that a bank should keep some cash in its vaults in case borrowers want to take cash. But that in itself doesn't change anything in the process described above (deposits via credit and not the other way around). The word reserves, or even reserve requirements, doesn't make it fractional reserve banking
And in Canada, for example, there are no reserve requirements (if I'm not mistaken)
You are correct. Canada removed their reserve requirements in 1992; however, lending is still restricted by capital requirements. I am skeptical of your statements because you seem to be unaware of the details