Questions about states with "loopholes" regarding

What kinds of loopholes are you talking about? What you have to look for is whether the company is licensed to do business in your state or not. If they are not licensed, then usually there are no loopholes they can get through. Either they can do business in your state or they can't.

The only state I can think of is PA. There is some debate over this. I personally think and have been told by the AG there they have to abide by the interest the state law sets. However another forum member whom I do believe has received e-mails stating otherwise. Her e-mails have come from the department of banking. So this does seem to be a confusing situation. KYSIDE38

Rhode Island is another state that allows pdl's to be licensed in other states.

Some state's also don't have "long arm" statutes . . . . That's another way they can get through. These long arm statutes are what says that if a business enters into a transaction with a consumer in another state they are bound by the laws of the state of the consumer.

Minnesota is an example of that.

Scary!! It seems to me that we just need a federal law banning the damn things period. It would make it much easier to have everyone following the same standard.