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A retaining wall can only function as a fence if it’s high enough on all sides to prevent someone from accidentally falling into the pool. However, most retaining walls retain dirt, which means their purpose is not related to safety. There would need to be nothing on the other side of the wall for it to be considered a fence, but in that case, it wouldn’t retain anything and would cease to be a retaining wall.  

Building an inground pool is a job best left to the pros. Excavating the area and building the pool requires heavy equipment and specialized training, and pools have complex plumbing and electrical systems. Unless you’re experienced in these areas, you’re better off hiring a pool contractor to make sure the job gets done safely and correctly. 

In most states, it is a legal requirement to have a fence around your pool. Laws vary by state and city, so check with your state and local government for regulations specific to you. Additionally, most homeowners' insurance providers will require some type of fence surrounding a residential pool before they provide coverage.

Each state has its own regulations about pool fences, and laws to protect both swimmers and pool owners. Before installing a pool, you’ll need to research what the pool laws in your state, city, and county are to ensure that you’re adhering to the legal regulations. Inground pools typically need to have a fence around the entirety of them, but the rules regarding above-ground pools are less stringent. A good rule of thumb is to always have a fence around your pool to ensure safety for all.