The only loans that I'm aware of that are exempt are:
A resdidential mortgage transaction;
A reverse mortgage transaction; or
An open-end credit plan
Sec. 226.2 Definitions and rules of construction.
(24) Residential mortgage transaction means a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in the consumer's principal dwelling to finance the acquisition or initial construction of that dwelling.
So I think you were dreaming, but it was a nice dream.
The opinions expressed are mine and they are not to be taken as legal advice.