Something people overlook when the word “loophole” is used in federal regulation. Mot of the time those loopholes are intentionally put there so that the industry that is the target of regulation doesn’t have to do anything. And since congressmen don’t actually write regulation, understand what they are regulating, nor give a fuck about anything besides getting paid, they all vote for legislation that has those “loopholes,” and can shrug their shoulders when the “intent” of the regulation is ignored.