Company: BLNE
Filing Date: 2025-04-15
Form Type: 10-K
Source: 0001641172-25-004793
Chunk: 206

Company: Beeline Holdings, Inc.
Filing Date: 2025-04-15
Form: 10-K
Item: Item 1A
Chunk 206
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 its ability to operate or expand its business, including limiting strategic relationships
that may involve the sharing of personal information.

Beeline must also comply with a
number of federal and state consumer protection laws and regulations including, among others, the Truth in Lending Act (“TILA”),
RESPA, the Equal Credit Opportunity Act, the Fair Credit Reporting Act (“FCRA”), the Fair and Accurate Credit Transactions
Act of 2003, the Red Flags Rule, the Fair Housing Act, the Electronic Fund Transfer Act, the Servicemembers Civil Relief Act, the Military
Lending Act, the Fair Debt Collection Practices Act, the Homeowners Protection Act, the Home Mortgage Disclosure Act (“HMDA”),
the Home ownership and Equity Protection Act (“HOEPA”), the Secure and Fair Enforcement for Mortgage Licensing Act (the “SAFE
Act”), the Federal Trade Commission Act, the FTC Credit Practices Rules and the FTC Telemarketing Sales Rule, the Mortgage Acts
and Practices Advertising Rule, the Bank Secrecy Act (“BSA”) and anti-money laundering requirements, the Foreign Corrupt Practices
Act (“FCPA”), the Electronic Signatures in Global and National Commerce Act and related state-specific versions of the Uniform
Electronic Transactions Act, the Dodd-Frank Act Wall Street Reform and Consumer Protection Act (the “Dodd Frank Act”) and
other U.S. federal and state laws prohibiting unfair, deceptive or abusive acts or practices as well as the Bankruptcy Code and state
foreclosure laws. These statutes apply to loan production, loan servicing, marketing, use of credit reports or credit-based scores, safeguarding
of nonpublic, personally identifiable information about its customers, foreclosure and claims handling, investment of and interest payments
on escrow balances and escrow payment features, and mandate certain disclosures and notices to customers.

In particular, U.S. federal, state
and local laws have been enacted that are designed to discourage predatory lending and servicing practices. The HOEPA prohibits inclusion
of certain provisions in residential loans that have mortgage rates or origination fees in excess of prescribed levels and requires that
borrowers be given certain disclosures prior to origination. Some states have enacted, or may enact, similar laws or regulations which,
in some cases, impose restrictions and requirements greater than those imposed by the HOEPA. In addition, under the anti-predatory lending
laws of some states, the production of certain residential loans, including loans that are not classified as “high cost” loans
under applicable law,