I am not an authority on anything. I only go by the rules in the NEC. In this case I am very knowledgeable about NM cable and article 334 because I use it all the time.
Unless your loop is shorter than 8" or 12" depending on your box type, then you are in violation of the NEC. And yes, that is my opinion.
If someone left a small loop ( and let's not go crazy about how big a loop it is. )outside of the box, and it was stapled with in the proper distance 12" or 8" as per 314.17 (C)and 314.17 (C)exception, then in my area, I believe I would pass that job. (Of course I would have to see it first. There is as we all know an exception to every rule.)
To me, there is not enough information from the pictures to make any judgement about subpanels. This is a huge house and likely, highly electrified with requirements for many special circuits. I'd bet there's a minimum of a couple of 42 circuit panels and probably 4.