Company: SUND
Filing Date: 2025-06-30
Form Type: 10-K
Source: 0001641172-25-017143
Chunk: 97

Company: Sundance Strategies, Inc.
Filing Date: 2025-06-30
Form: 10-K
Item: Item 1A
Chunk 97
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’s consumer protection provisions may have an adverse effect on our business
and our planned business operations.

On
July 21, 2010, President Barack Obama signed into law the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the “Dodd-Frank
Act”). The Dodd-Frank Act contains significant changes to the regulation of financial institutions including the creation of new
federal regulatory agencies and the granting of additional authorities and responsibilities to existing regulatory agencies to identify
and address emerging systemic risks posed by the activities of financial services firms. The Dodd-Frank Act also provides for enhanced
regulation of derivatives and asset-backed securities offerings, restrictions on executive compensation and enhanced oversight of credit
rating agencies. The provisions include a new independent Bureau of Consumer Financial Protection to regulate consumer financial services
and products, and life settlement transactions may be within the scope of its jurisdiction. Actions taken by the Bureau of Consumer Financial
Protection may have material adverse effects on the life settlement industry and could affect the value of insurance policies. In addition,
the Dodd-Frank Act also limits the ability of federal laws to preempt state and local consumer laws. Prospective investors should be
aware that the changes in the regulatory and business landscape as a result of the Dodd-Frank Act could have an adverse impact on us
and the entities from which we may acquire NIBs and similar life settlement products.

10

General
economic conditions could have an adverse effect on our business.

Changes
in general economic conditions, including, for example, interest rates, investor sentiment, market and regulatory changes specifically
affecting the insurance industry, competition, technological developments, political and diplomatic events, tax laws, and other factors
not known to us today, can substantially and adversely affect our business and prospects. There continues to be uncertainty about the
prospects for growth in the U.S. economy as well as economies of other countries, driven by factors such as high current unemployment,
rising government debt levels, prospective Federal Reserve (and similar foreign bodies) policy shifts, the withdrawal of government interventions
in financial markets, changing consumer spending patterns, and changing expectations for inflation and deflation. These factors have
adversely affected the financial markets and the claims-paying ability of many insurers. Such uncertainties and general economic trends
can affect the ability to obtain funds to finance life settlement products. None of these risks are or will be within our control.

The
costs in time and expense of being a publicly-held company are substantial and will only increase if our business