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You can borrow a gun from a resident of another state "for temporary use for lawful sporting purposes" only. That's all the law states. I have never seen any clarification as to what that means, exactly. I tend to err on the side of caution and say that if the owner is not generally around (as in, they give you the gun and go back home) it's not really temporary use, it's more like a transfer and so is not legal. However, that is only my interpretation. Borrowing the gun for a few days/weeks while the owner goes back to their own state may actually be legal.
You also touched upon a good point that should be highlighted. While you can borrow a gun from a resident of another state, you cannot go pick it up and bring it to your home state. You can borrow it in their state (if state law allows) or you can have them bring it to you in your state (again, if state law allows). But you cannot personally cross the border into your home state with it. (Yes, I know, it's retarded, but that's the federal law on the matter).
isnt threre also a part about the rules that says you cannot use a borrowed, out of state handgun for protection purposes?