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How many loans?

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On the FL website.

52.3.1 A maximum of 5 loan Players (Standard, Emergency or Youth) can be named in the Players listed on a team sheet for any individual match played under the auspices of The League. This figure shall include any additional loan of a goalkeeper approved by the Executive under the provisions of Regulation 54.



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Unless you're Watford, ridiculously overseas loan players don't count towards the five.



Is it overseas players?


I thought it was more to do with the fact that clubs had the same ownership, and the players were all part of the same system? As in they could easily temporarily transfer players between the clubs for no money if they wanted.

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