Which of the following is NOT considered a criterion for Regulation Z disclosures?

Regulation Z, which implements the Truth in Lending Act (TILA), delineates specific criteria for when disclosures are required for consumer credit transactions. One key aspect of Regulation Z is that its provisions apply primarily to individual consumers rather than corporate entities. Therefore, the requirement that the borrower is a corporate entity is not considered a criterion for Regulation Z disclosures.

For a loan to fall under Regulation Z's purview, it must involve an individual or an organization acting in a personal capacity. Thus, business loans or any credit extended to corporations do not trigger the same disclosure requirements that consumer loans do, which is why the fact that the borrower must be a corporate entity is not applicable.

In contrast, the other options represent criteria that would necessitate Regulation Z disclosures. Loans that are subject to a finance charge, have specific amounts, or are intended for personal or household use do indeed require appropriate disclosures under Regulation Z.