I think that the confusion arises (simplifying) from the fact that it is not certain
if the bathroom is for FEMALES or WOMEN.
If the bathroom is for Females then it is 100% certain that ONLY females can enter,
so XX genetically females, OR fully transitioned females (with ID changed).
BUT, the curious thing is that in that bathroom could enter also TransMEN who
genetically are females but they are taking T from a long time and the PASS as
men...

ironically, yes? Because they have not changed the ID.
If the bathroom is for Women than anyone who identifies as a woman could enter,
regardless of her state in transition (I could also enter, also without HRT).
In that bathroom of course TransMen could not enter, because they do not identify
as a woman.
...
summarizing... if the bathroom is for females, then MTFs cannot enter, unless they
are completely Female (at least for the State)... regardless of their "passing" state...
but FTMs could enter, even if they pass as male ( Funny...), if they have not yet
changed ID.
If the bathroom is for women then anyone (also a crossdresser) who, in that moment,
identifies himself (HIM because he is a CD, he does not intend to transition),
as a woman, can enter.
complicated...