According to the author, Lateran V:

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Lateran V did legislate some reforms, but these reforms had many loopholes and were not enforced properly. For example, it prohibited the selling of church offices, but exceptions were made for various reasons. The reforms also did not address some of the key issues that Martin Luther and other reformers were concerned about, such as the sale of indulgences and the doctrine of justification by faith. Therefore, while Lateran V did attempt to reform the Church, its efforts were insufficient and failed to prevent the Protestant Reformation.

According to the Author, Lateran V