All characters may purchase any lores that are applicable to their character, up to generational cap, without approval. IE A 13th Generation Malkavian Camarilla member may purchase, Camarilla Lore, Malkavian Clan Lore, and Kindred Lore up to 5 dots without ST permission. All other lores must be approved before purchasable, and the ST must be convinced that you the player must have the kind of knowledge personally that would allow your character to appropriately RP said lore. So if you want Lupine lore, I suggest reading Laws of the Wild for example.