You're wrong. As of the end of February, you cannot unlock any phone purchased after that date without carrier permission, ever. It doesn't matter if your contract is up or not.
Stipulation applies: Any phone purchased before the moratorium expired is still fair game. That would be 1/26/13. So any phone bought before then could still be unlocked while under contract without carrier permission.
However, I do believe we should be able to unlock our phones before the contract is up (or better yet, not ever have them locked at all) as long as we pay the requisite early termination fee. Just like porting your number. You can port your number out of the old carrier's network whenever you'd like, as long as you're aware that unfulfilled contracts will cause an ETF.
I agree. And I say again: people are still missing the point, as they are only thinking about internal to the US and only 1 carrier: ATT. Again, If you are on Verizon, could you take your iPhone, that you bought before 1/26/13, to Sprint or ATT? Answer: no. it is locked to VZW. Vice versa: You also could not take your Sprint iPhone to VZW nor ATT. That unlocking would not be allowed in the US.
Overseas, Sprint and VZW have the advantage over ATT: Let them know that you are going overseas, and they'll unlock the GSM side for you. ATT: no, they won't.
Again, this will not make it onto a level playing field until every US carrier has followed the model that has been in Europe for the past 15 years: Single network type, Purchase the phone from whomever you want (carrier doesn't matter, and you could also purchase it from Apple or whomever the maker is), and use the same network. Phone could be unlocked, let alone not even locked at all, and take it to whatever carrier you choose. Better yet, have the unlock process unlock the band needed for the network in question, which could be done by the carrier.
Because of the USA having GSM and CDMA, let alone multiple bands on CDMA, we were screwed. Phone makers were at the mercy of the carrier, in having to make the same model of phone for multiple companies, and locked to their network only. The only way out of that, again, is a single network, which LTE would give.
Make the phone to support all bands on LTE, and the customer wins. It forces the carriers to innovate let alone keep their network up to date and STABLE, and come up with other ways to win their customers' loyalty instead of being forced to sit on their network until a contract expires.
So everyone, think outside of the US for a change, and see how much the world is beating us at this game. We are way far behind.
BL.