Company: BLNE
Filing Date: 2025-04-15
Form Type: 10-K
Source: 0001641172-25-004793
Chunk: 211

Company: Beeline Holdings, Inc.
Filing Date: 2025-04-15
Form: 10-K
Item: Item 1A
Chunk 211
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 purchased in the secondary
market at fair market value. Additionally, it is important that Beeline comply with TILA and other applicable federal and state laws.
Risks related to such laws arise, for example, if points and fees for a transaction exceed certain applicable thresholds, loan originator
compensation requirements (including incentive compensation requirements) are not satisfied, and/or TRID or other required disclosures
are determined to be noncompliant, and these laws are subject to interpretational complexities in the co-branded mortgage broker context.
In addition, Beeline’s lead generation and advertising activities and strategic relationships carry RESPA-related risk depending
on certain factors, such as whether a third-party endorses or refers business to Beeline, whether any payments between the parties constitute
fair market value, and any potential direct or indirect benefit to Beeline’s third-party partners in addition to benefits provided
directly to consumers. Federal and state regulators or courts could adopt interpretations of laws and regulations-including with respect
to RESPA and its governance over affiliated business arrangements, bona fide joint ventures and marketing services arrangements, TILA’s
provisions applicable to transactions involving mortgage brokers, and other disclosure requirements-that could increase the regulatory
risk and scrutiny of Beeline’s affiliate and third-party strategic relationships, raise licensing/registration questions, require
restructuring of these relationships (as well as suspend its operations in a given jurisdiction pending such restructuring), result in
financial liabilities (including indemnification, repurchase demands or financial penalties), carry litigation risk (including, potentially,
false claim-related risk), and/or diminish the value of these relationships.

If Beeline fails to comply with
employment and labor laws and regulations could materially and adversely affect its business, financial condition, and results of operations.

Beeline is subject to a variety
of federal and state employment and labor laws and regulations, including the Americans with Disabilities Act, the Federal Fair Labor
Standards Act, and other laws related to working conditions, wage-hour pay, over-time pay, employee benefits, anti-discrimination, and
termination of employment. Noncompliance with applicable laws or regulations could subject Beeline to investigations, sanctions, enforcement
actions, disgorgement of profits, fines, damages, civil and criminal penalties, or injunctions. An adverse outcome in any such litigation
could require Beeline to pay contractual damages, compensatory damages, punitive damages, attorneys’ fees and costs.

Claims, enforcement actions, or
other proceedings could harm Beeline’s reputation, business, financial condition and results