Company: CPSS
Filing Date: 2025-05-12
Form Type: 10-Q
Source: 0001683168-25-003436
Chunk: 128

Company: CONSUMER PORTFOLIO SERVICES, INC.
Filing Date: 2025-05-12
Form: 10-Q
Item: Part I, Item 8
Chunk 128
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judgment,” “assume,” “plans,” “goals, “strategy,” “future,” “likely,”
“should” or other similar expressions.

Examples of forward-looking
statements include, among others, statements we make regarding:

·charge-offs and recovery rates;

·the willingness or ability of obligors to pay pursuant to contractual terms;

·our ability to enforce rights under contracts;

·our ability to and rates at which we plan to acquire automobile contracts;

·the anticipated levels of recoveries upon sale of repossessed vehicles;

·revenues or expenses;

·provisions for credit losses;

·expected industry and general economic trends;

·accrued losses for legal contingencies;

·anticipated deferred tax assets;

·estimates of taxable income;

·our ability to service and repay our debt;

·the structuring of securitization transactions as secured financings and the effects of such structures
on financial items and future profitability; or

·the effect of the change in structure on our profitability and the duration of the period in which our
profitability would be affected by the change in securitization structure.

Our actual results, performance
and achievements may differ materially from the results, performance and achievements expressed or implied in such forward-looking statements.
Some of the factors that might cause such a difference include, but are not limited to, the following:

·unexpected exogenous events, such as a widespread public health emergency;

·mandates imposed in reaction to such events, such as prohibitions of otherwise permissible activity;

·changes in general economic conditions;

·changes in performance of our automobile contracts;

·increases in interest rates;

·our ability to generate sufficient operating and financing cash flows;

·competition;

·the level of losses incurred on contracts in our managed portfolio;

·adverse decisions by courts or regulators;

·regulatory changes with respect to consumer finance;

·changes in the market for used vehicles;

·levels of cash releases from existing pools of contracts;

·the terms on which we are able to finance contract purchases;

·the willingness or ability of dealers to assign contracts to us on acceptable terms;

·the terms on which we are able to complete term securitizations once contracts are acquired;

·any breach in the security of our systems; and

·such other factors as discussed through the “Risk Factors” section of this report.

Forward-looking statements
are neither historical facts nor guarantees of performance. Instead, they are based only on our current beliefs, expectations and assumptions
regarding the future of our business,