You are correct but a major challenge of our time today and the near future is to see whether the rule of law still works against political or financial power. From the 2008 financial crisis onward, there is a growing public sense that the powerful cannot be held subject to justice any more.

I have to say that I personally would never purchase a DNA testing kit for this reason. On the social and political trajectory that I perceive, it might not matter what federal law says, if insurance companies can build a strong enough web of mutual favors with politicians or law enforcement.