Not an expert: I know Reg Z would not apply if the loan is unsecured (which this product is) and under annual threshold.

However, what regs would apply?

Is there are Reg Chart as an example anywhere?

Thank You

Everything that would normally apply except for all Regulation Z requirements. Look at a loan under the threshold and they should be treated exactly the same without account opening disclosure, periodic statements, etc. However, most banks just ignore the threshold for processing efficiency and treat every consumer loan the same regardless. Delivering disclosures, etc. under Regulation Z to an exempt loan cannot accrue any liability to the lender.