Because the CitiBank line-of-credit load was reported by Cruz to the Senate without identifying the collateral. FEC rules forbid unsecured loans because they can be used to launder contributions in excess of the Federal limits.
As for the Goldman Sacks loan, it is not clear whether or not this was a joint account with his wife, Heidi. If it was a joint account, or worse, if it was her account, then Heidi violated the FEC limits on contributions.
So all in all, this is a big deal.
Well, good luck with your “big deal”.