Boundary pushing is also risky business. There are two kinds of murky areas that exist - ones that are specifically carved out due to the letter of the law and ones that lie between the restricted and the allowed. The former case is where lawyers make really good money - the latter case is where judges reign and precedents are set... If there were a 1964 law that read something like "Sale of consulting services on the topic of banking via remote communication methods (radio, phone, television, or vision-phone) is prohibited when such communication would necessitate crossing a state boundary" then it's extremely likely that a judge would uphold the law as preventing such communication via VOIP if a tech company tried to offer such a service.