28-46-102. Applicability. This part applies to persons who in this state: (1) Make or solicit regulated consumer credit transactions, as defined in section 28-41-301, Idaho Code; or (2) Directly collect payments from or enforce rights against debtors arising from regulated consumer credit transactions, as defined in section 28-41-301, Idaho Code, wherever they are made; or (3) Are designated in this act as regulated lenders.