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Cheating does come into the picture in the form of copyright, so it's as well to be clear about using photographs you haven't taken yourself. It is a breach of copyright to copy somebody else's creative work without permission, including photographs.
In terms of US copyright law: "Only the owner of copyright in a work has the right to prepare, or to authorize someone else to create, a new version of that work." You may be able to obtain permission to use a photo for a derivative work from the photographer, or if you're using a photo library, buy the right to use it ...
To get permission to use an image, we need to (usually), buy a license for that image. Buying a royalty-free licensed image, means we can use it as a reference and not pay additional fees. However, you must always check before you buy a photo that you are purchasing the correct license for you.
If the drawing is considered a derivative work, the artist may need permission from the photographer to create and use their drawing legally.
Copyright Infringement is only possible if the artist did not request permission from you as the photographer in advance to use the image in question as a basis for their painting or illustration.