An independent, third-party lender must comply with the all of the state and federal laws that govern unsecured consumer loans. These loans are subject to Article 16 of the Texas Constitution, Chapter 302 of the Texas Finance Code, the standards of the federal Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Debt Collection Practices Act, the federal regulations promulgated pursuant to those Acts along with the other laws that apply to consumer loans.