"Taking a loan using matching funds as collateral is not a violation of campaign finance laws. No charges have been filed. McCain's spending has been two-thirds less than Barack's."

Typical right wing straw-man here. No one has suggested that using matching funds to collateralize a campaign loan is a crime. But when you accept public funding or use it to get loans, you agree to strick spending limits that McCain has convieniently ignored. He will be held accountable for his actions, but it will be long after the election is over because of the politics on the board that enforces the law.