Only the State may enact a law which purports to regulate extensions of credit made by a financial institution. This section does not: Affect federal law preemption of State law; Restrict or otherwise affect local laws that establish property ownership or the rights and obligations of property owners; Restrict or otherwise affect a local government’s ability to regulate its fiscal, economic, or community development policy; Restrict or otherwise affect a local government’s ability to enact laws or adopt regulations relating to fair housing or other civil rights; or Restrict or otherwise affect a local government’s ability to establish or administer loan programs to assist residents with financial needs.