For those who are interested in the loophole, here is the exact FDA rule providing an exemption for clinics who harvest your own stem cells and give them back to you immediatedly [no manipulation or growing of tissue]. There was discussion of closing this loophole last year but as far as I know, no new regulations were issued.
PART 1271 -- HUMAN CELLS, TISSUES, AND CELLULAR AND TISSUE-BASED PRODUCTS
Subpart A--General Provisions
Sec. 1271.15 Are there any exceptions from the requirements of this part?
(a) You are not required to comply with the requirements of this part if you are an establishment that uses HCT/P's solely for nonclinical scientific or educational purposes.
(
b) You are not required to comply with the requirements of this part if you are an establishment that removes HCT/P's from an individual and implants such HCT/P's into the same individual during the same surgical procedure. [my bold]