Company: BLNE
Filing Date: 2025-04-15
Form Type: 10-K
Source: 0001641172-25-004793
Chunk: 49

Company: Beeline Holdings, Inc.
Filing Date: 2025-04-15
Form: 10-K
Item: Item 1
Chunk 49
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 heavily regulated industry, and its business operations expose it to risks of noncompliance with a large and increasing body of complex
mortgage and lending laws and regulations at the federal and state levels.

Due to the heavily regulated nature
of the mortgage, home ownership, real estate, and insurance industries, Beeline is required to comply with a wide array of federal and
state laws and regulations that regulate, among other things, the manner in which Beeline conducts its loan production, the fees that
it may charge, and the collection, use, retention, protection, disclosure, transfer and other processing of personal information. Governmental
authorities and various U.S. federal and state agencies have broad oversight and supervisory authority over Beeline’s mortgage lending
business.

Both the scope of the laws and
regulations and the intensity of the supervision to which Beeline’s mortgage lending business is subject have increased over time.
Failure to satisfy certain requirements or restrictions could result in a variety of regulatory actions such as fines, directives requiring
certain steps to be taken, suspension of authority to operate or ultimately a revocation of authority or license. Certain types of regulatory
actions could result in a breach of representations, warranties and covenants, and potentially cross-defaults in our financing arrangements
which could limit or prohibit our access to liquidity to operate our business. In addition, while the federal government promulgates new
rules or guidance, it also may interpret existing laws and regulations in novel ways and/or expand enforcement priorities at certain federal
agencies, such as the CFPB and the Federal Trade Commission (the “FTC”). It is therefore possible that new rulemakings, interpretations,
or enforcement actions will materially and adversely affect its business, affiliates, and strategic relationships.

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Beeline expects that its mortgage
lending business will remain subject to extensive regulation and supervision. Although it has systems and procedures designed to comply
with developing legal and regulatory requirements, Beeline cannot assure you that more restrictive laws and regulations will not be adopted
in the future, or that governmental bodies or courts will not interpret existing laws or regulations in a different or more restrictive
manner than it has, which could render its current business practices non-compliant or which could make compliance more difficult or expensive.
Any of these or other changes in laws or regulations could materially and adversely affect Beeline’s business, financial condition,
and results of operations.

Changes in GSEs and other applicable
government programs could negatively impact Beeline’s business operations.

While the