Company: BLNE
Filing Date: 2025-01-14
Form Type: 424B3
Source: 0001493152-25-002137
Chunk: 68

Company: Beeline Holdings, Inc.
Filing Date: 2025-01-14
Form: 424B3
Chunk 68
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 to commence investigations and other formal and informal proceedings regarding Beeline’s operations and activities. In addition, the government-sponsored enterprises, or GSEs, the FHA, the FTC, and others subject Beeline to periodic reviews and audits. This broad and extensive supervisory and enforcement oversight will continue to occur in the future. Beeline maintains dedicated staff on the legal and compliance team to ensure timely responses to regulatory examination requests and to investigate consumer complaints in accordance with regulatory regulations and expectations.

Federal Lending Laws and Regulations

Numerous U.S. federal regulatory consumer protection laws impact Beeline’s business, including but not limited to:

| ● | the                                                                                                  
 RESPA and Regulation X, which require certain disclosures to be made to the borrower at application, 
 as to the lender’s good faith estimate of loan production costs, and at closing with                 
 respect to the actual real estate settlement statement costs (for most loans, such disclosures       
 are in conjunction with those required under the TILA), prohibit kickbacks, referrals, and           
 unearned fees in connection with settlement service business and impose requirements and             
 limitations on affiliates and strategic partners, and certain loan servicing practices including     
 with respect to escrow accounts, requests for information from borrowers, servicing transfers,       
 lender-placed insurance, error resolution and loss mitigation;                                       |

| 61 |

| ● | the                                                                                                  
 TILA including HOEPA and Regulation Z, which regulate mortgage loan production and servicing         
 activities, require certain disclosures be made to borrowers throughout the loan process             
 regarding terms of mortgage financing (including those disclosures required under the TRID           
 rule, provide for a three-day right to rescind some transactions, regulate certain higher-priced     
 and high-cost mortgages, require lenders to make a reasonable and good faith determination           
 that consumers have the ability to repay the loan prior to consummation, mandate homeownership       
 counseling for high-cost mortgage applicants, impose restrictions on loan production compensation,   
 and apply to certain loan servicing practices;                                                       |
| ● | the                                                                                                  
 Fair Credit Reporting Act and Regulation V, which regulate the use and reporting of information      
 related to the credit history of consumers, require disclosures to consumers regarding the           
 use of credit report information in certain credit decisions and require lenders to take             
 measures to prevent or mitigate identity theft;                                                      |
| ● | the                                                                                                  
 Equal Credit Opportunity Act and Regulation B, which prohibit discrimination on the basis            
 of age, race and certain other characteristics in the extension of credit, require creditors         
 to deliver copies of appraisals and