For lots of reasons, including the "ridiculous federal law on interstate transfers", and potential liability, I would never loan a pistol to a resident of another state, even a family member. If I wanted them to have it, I would transfer possession and ownership through a FFL in their state. Then it is theirs and I am not responsible for them or it. If she has to use it, I'm in the clear. Same with long term loan of cars: if I keep ownership, I keep liability.
And yes, you do understand the Federal requirements.
And yes, you do understand the Federal requirements.