If large financial institutions can break the law and accumulate million in profits - and, if they get caught, settle by paying out of those profits - they do not have much incentive to follow the law.
With the right sources of funding and some smart, strategic thinking about how to force non-banks to follow the same rules as other lenders, the entire landscape of consumer lending would change.
You can't predict it all. People will tell you to plan things out as best you can. They will tell you to focus. They will tell you to follow your dreams. They will all be right.