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

Company: Beeline Holdings, Inc.
Filing Date: 2025-04-15
Form: 10-K
Item: Item 1
Chunk 10
---
 opportunities.

None of this is possible without a great brand and
great user experience when interacting with Beeline’s technology and staff. Beeline’s strategy in this area is to continue
to push digital content to the right audiences who are interested in a lending experience like the one it offers. When human touch points
are necessary or requested, Beeline provides the consumer with a knowledgeable, friendly and solutions-based support system.

Government Regulations Affecting Beeline

The statements in this section describe the government
regulations specific to Beeline’s industry and should be considered carefully in conjunction with other information contained in
this Report including the “Item 1A Risk Factors”.

These statutes and regulations regulate how Beeline
operates, and the licenses Beeline and its employees are required to maintain. They also dictate the education and training required by
employees, disclosures that are required to be made to consumers, etc. Any changes to the regulatory structure may impact how Beeline
does its business.

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.

The discussion concerning federal regulation of the
mortgage lending business is subject to significant potential change as the Trump administration seeks to scale back the federal government,
eliminate agencies and strengthen the President’s control over independent agencies. There has been a strong reaction with the filing
of many lawsuits and for the most part lower courts have put a break on many of President Trump’s executive orders. Ultimately,
it is likely that the U.S. Supreme Court may rule on the scope of the executive powers, which may impact the following discussion.

9

Under 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 of home loans.

President Trump