Despite the large amount of funding coming from the Rural Utilities Service and the F.C.C., rural America has not seen broadband deployed and adopted at the same speed and effectiveness that it had with electricity and telephone service almost a century ago. The reason for this lag is a lack of coordinated federal policies, which in turn has allowed major telecommunications companies to receive a large portion of these funds without much regulatory accountability. An opaque set of grant and loan stipulations make it difficult for communities to apply for funding, and in some states, a series of laws actively prohibit or inhibit towns and cooperatives from wiring their own communities.