Company: BLNE
Filing Date: 2025-02-05
Form Type: DEF 14A
Source: 0001493152-25-005006
Chunk: 220

Company: Beeline Holdings, Inc.
Filing Date: 2025-02-05
Form: DEF 14A
Chunk 220
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,951 |

| F-76 |

<div align='center'>Beeline Financial Holdings, Inc.

Notes to Consolidated Financial Statements

December 31, 2023 and 2022</div>

Schedule of Maturities of Operating Lease Liabilities

| Maturities of lease liabilities as of 
 Operating Leases                      |     | December 31, 
 2023         |           |   |
|:--------------------------------------|:----|:-------------|----------:|:--|
| 2024                                  |     | $            |   350,316 |   |
| 2025                                  |     |              |   360,793 |   |
| 2026                                  |     |              |   282,758 |   |
| 2027                                  |     |              |   227,669 |   |
| 2028                                  |     |              |   234,499 |   |
| Thereafter                            |     |              |   490,314 |   |
| Total future minimum rental           
 commitments                           |     |              | 1,946,349 |   |
| Less Imputed Interest                 |     |              |   (95,565 | ) |
| Total                                 
 Lease Liability                       |     | $            | 1,850,784 |   |

REGULATIONS

Government Regulations Affecting Mortgage Loan Origination

Beeline operates in a heavily regulated industry that is highly focused on consumer protection. The extensive regulatory framework to which Beeline is subject includes U.S. federal and state laws and regulations.

Governmental authorities and various U.S. federal and state agencies have broad oversight and supervisory authority over all aspects of Beeline’s business.

Under the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”), the Consumer Financial Protection Bureau (the “CFPB”) was established to ensure, among other things, that consumers receive clear and accurate disclosures regarding financial products and to protect consumers from hidden fees and unfair, deceptive or abusive acts or practices. The CFPB’s jurisdiction includes those persons producing or brokering residential mortgage loans. It also extends to Beeline’s other lines of business title insurance. The CFPB has broad supervisory and enforcement powers with regard to non-depository institutions, such as Beeline, that engage in the production and servicing of home loans.

As part of its enforcement authority, the CFPB can order, among other things, rescission or reformation of contracts, the