# EDGAR Filing Document

**Accession Number:** 0001844791
**File Stem:** 0001193125-26-227185
**Filing Date:** 2026-5
**Character Count:** 22648
**Document Hash:** 05ca6dae562ce1cb49d8e371aca9de96
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001193125-26-227185.hdr.sgml**: 20260515

**ACCESSION NUMBER**: 0001193125-26-227185

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 13

**CONFORMED PERIOD OF REPORT**: 20260515

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20260515

**DATE AS OF CHANGE**: 20260515

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Credit card

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Mission Lane Transferor LLC
- **CENTRAL INDEX KEY:** 0001844791

**ORGANIZATION NAME:**
- **EIN:** 852250410
- **STATE OF INCORPORATION:** DE

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05407
- **FILM NUMBER:** 26989630

**BUSINESS ADDRESS:**
- **STREET 1:** 1504 BELLEVILLE AVENUE
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23230
- **BUSINESS PHONE:** 804-384-9220

**MAIL ADDRESS:**
- **STREET 1:** 1504 BELLEVILLE AVENUE
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23230
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Mission Lane Transferor LLC
- **CENTRAL INDEX KEY:** 0001844791

**ORGANIZATION NAME:**
- **EIN:** 852250410
- **STATE OF INCORPORATION:** DE

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 1504 BELLEVILLE AVENUE
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23230
- **BUSINESS PHONE:** 804-384-9220

**MAIL ADDRESS:**
- **STREET 1:** 1504 BELLEVILLE AVENUE
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23230
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Mission Lane Transferor LLC
- **CENTRAL INDEX KEY:** 0001844791

**ORGANIZATION NAME:**
- **EIN:** 852250410
- **STATE OF INCORPORATION:** DE

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-05407

**BUSINESS ADDRESS:**
- **STREET 1:** 1504 BELLEVILLE AVENUE
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23230
- **BUSINESS PHONE:** 804-384-9220

**MAIL ADDRESS:**
- **STREET 1:** 1504 BELLEVILLE AVENUE
- **CITY:** RICHMOND
- **STATE:** VA
- **ZIP:** 23230

**UNITED STATES** 

**SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549** 

**FORM ABS-15G** 

**ASSET-BACKED SECURITIZER** 

**REPORT PURSUANT TO SECTION 15G OF** 

**THE SECURITIES EXCHANGE ACT OF 1934** 

**Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:** 

☐ **Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _________ to _________** 

**(Exact name of securitizer as specified in its charter)** 

**Date of Report (Date of earliest event reported)<u> </u>** 

**Commission File Number of securitizer:<u> </u>** 

**Central Index Key Number of securitizer:<u> </u>** 

**Name and telephone number, including area code, of the person** 

**to contact in connection with this filing.** 

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) ☐

Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) ☐

Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) ☐

☒ **Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)** 

## Mission Lane Credit Card Master Trust
**(Exact name of issuing entity as specified in its charter)** 

**Central Index Key Number of depositor: 0001844791** 

**Central Index Key Number of issuing entity (if applicable): Not applicable** 

**Central Index Key Number of underwriter (if applicable): Not applicable** 

**Cheryl Call, Deputy General Counsel – (843) 830-8016** 

**Name and telephone number, including area code, of the person** 

**to contact in connection with this filing.** 

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**PART II - FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS** 

**Item 2.01 Findings and Conclusions of a Third-Party Due Diligence Report Obtained by the Issuer** 

The disclosures required by Rule 15Ga-2 (17 CFR 240.15Ga-2) are attached as Exhibit 99.1 to this Form ABS-15G.

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**SIGNATURES** 

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: May 15, 2026

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| | |
|:---|:---|
| **Mission Lane Transferor LLC**<br> (Depositor) | **Mission Lane Transferor LLC**<br> (Depositor) |
| By: | /s/ Chris Bishko |

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| | |
|:---|:---|
| Name: | Chris Bishko |
| Title: | Chief Financial Officer |
|  | (Senior Officer in Charge of Securitization) |

---

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**EXHIBIT INDEX** 

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| | |
|:---|:---|
| **Exhibit 99.1** | [Mission Lane Credit Card Master Trust Consulting Report, dated April 24, 2026.](d121207dex991.htm) |

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## Exhibit 99.1

**Exhibit 99.1**![LOGO](g121207dsp005.jpg)

MISSION LANE LLC Mission Lane Credit Card Master Trust April 24, 2026

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Transmittal Letter (1/2) April 24, 2026 PRIVATE & CONFIDENTIAL Mission Lane LLC 1504 Belleville Street Richmond, VA 23230 Ladies and Gentlemen: Please find enclosed our report (the "Report") which was prepared at the request of Mission Lane LLC ("Mission Lane", "Company" or "Client"), in connection with your conduct of due diligence procedures for purposes of the existing extension of credit, be it through a warehouse line of credit, purchase facility, conduit facility, term loan, securitization, or other means and secured by certain assets originated / serviced by the Client via the Mission Lane Credit Card Master Trust facility (collectively, the "Transaction"), in accordance with the terms of our Master Services Agreement dated September 6, 2019 and the Statement of Work dated February 17, 2026 (collectively, the "Services Agreement"). The Report presents the results of certain limited consulting procedures performed with respect to Mission Lane's accounting system, servicing system and/or other asset (receivable) records associated with the Transaction. These procedures are described in the "Scope of Services", which was provided to us by Mission Lane. The objective of these procedures was to assist Mission Lane's evaluation of the accuracy of certain receivables information reported by Mission Lane related to the Transaction. Client Acknowledgements By acceptance of the Report, you acknowledge that: • You have determined that the procedures we performed are the procedures that you requested us to perform, that you are solely responsible for the sufficiency of such procedures for your purposes including where applicable the determination of sample sizes, and that you do not require us to perform any further procedures; • We make no representations and express no opinion as to the sufficiency of the procedures for your purposes and had we performed additional procedures, other matters might have come to our attention that would have been reported to you; • The procedures that we performed should not be taken to supplant additional inquiries and procedures that you should undertake in your evaluation of the Transaction; • You have made available to us all accounting system, servicing system and/or other asset (receivable) records associated with the Transaction to meet the requirements of the engagement, including any related instructions, assumptions or methodologies, that you believe are necessary for us to complete our procedures; • The decision whether to consummate the Transaction lies solely with you, and neither our work nor our findings shall in any way constitute a recommendation whether you should or should not consummate the Transaction, or on what terms; and • The procedures were not contemplated or performed to satisfy any criteria for due diligence published by a nationally recognized statistical rating organization. Limitations of Procedures The procedures we performed do not constitute, in accordance with generally accepted auditing or other applicable professional standards: • An audit, review, or compilation of the Client's historical financial statements or specified elements, accounts or items thereof related to the Client or the Transaction; • An examination or compilation of any of the Client's prospective financial information; • An examination of the Client's internal controls, and, accordingly, we express no opinion or other form of assurance thereon and our work cannot be relied upon to disclose errors, fraud or illegal acts that may exist; • An assessment of whether the receivables were originated in conformance with, or deviated from, the Client's stated underwriting or credit extension guidelines, standards, criteria or other requirements; • An appraisal or valuation of the collateral securing the receivables; • An assessment of whether the Client complied with federal, state or local laws and regulations in the origination of the receivables; or • A listing of findings for any other factor or characteristic with respect to the receivables not explicitly stated in the procedures. We have not verified the information we obtained or presented in the Report, except as explicitly specified therein. Legal Representation Client acknowledges and agrees that it is responsible for its own legal representation and guidance related to the Transaction, and that it will consult its own legal resources before acting upon any deliverables Protiviti Inc. ("Protiviti") provides pursuant to the Services Agreement. Client further acknowledges and agrees that Protiviti is not a law firm and is not providing legal advice or analysis and that Protiviti has not engaged legal counsel with respect to the services, and that matters of legal interpretation are beyond the Scope of Services. Protiviti expressly disclaims any and all responsibility for the accuracy, adequacy, completeness or appropriateness of any legal document, relating to the Transaction or otherwise, reviewed during the performance of the services as outlined herein.

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Transmittal Letter (2/2) (continued) Use of the Report This letter and the Report are intended solely for Client's information and internal use and are not intended to be and should not be used by anyone other than Client. You agree that without the prior written consent of Protiviti, you will not circulate, quote or otherwise refer to this Report or a copy of all or any portion thereof. Notwithstanding the foregoing: • You may provide copies of the Report to any third parties so authorized in accordance with the terms and conditions set forth in the Services Agreement, solely for their informational use in connection with the Transaction, provided that (1) this letter shall be attached at the front of the Report at the time of disclosure, and (2) any such third party has agreed to keep the Report confidential and fully releases Protiviti from any liability arising out of, or in reliance upon, this Report; and • If, in accordance with the terms and conditions set forth in the Services Agreement, it is concluded that SEC Forms ABS-15G and/ or ABS Due Diligence-15E are required for the Transaction: - An unaltered copy of the SEC Form ABS Due Diligence-15E provided by Protiviti with our Report attached may be posted to Client's SEC Rule 17g-5 website for access by rating agencies who are producing a credit rating for the Transaction. - An unaltered copy of the Report may be attached to Client's SEC Form ABS-15G for submission to the SEC. Updating of the Report We have no responsibility to update this letter or the Report for events and circumstances occurring after the date of this letter. Very truly yours, Protiviti Inc. By: _________________ Brian Sullivan Managing Director

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Overview Engagement Overview • Mission Lane LLC ("Mission Lane") is the "Servicer" for the Mission Lane Credit Card Master Trust facility (collectively, the "Transaction"). The engagement focus is the procedures performed as it relates to eligible credit card receivables included in the Transaction as of December 31, 2025 (the "Portfolio"). • Mission Lane provided an electronic data file of the Portfolio on February 4, 2026 (the "Population File" or "Data Tape") containing a listing of all eligible credit card accounts included in the Transaction as of December 31, 2025. • Per the Scope, a judgmental sample of credit card receivables from the Population File was subject to testing against the information provided by Mission Lane via the Loan File and the Servicing / Origination System. - The "Loan File" as referenced throughout this Report represents the collateral files provided by Mission Lane (via imaged documentation housed on Mission Lane's internal imaging repository). Per discussion with Mission Lane Management, these files include the account holder's credit application and the account opening disclosure statement, as maintained by Mission Lane for each account. The completeness, accuracy, consistency and sufficiency of these files were not assessed per the procedures performed. - The "Servicing / Origination System" as referenced throughout this Report refers to Mission Lane's servicing and origination system for the credit card receivables. Management was noted to have provided an extract of the data reported within the Servicing / Origination System, the "TSYS System". • Engagement fieldwork was performed remotely beginning February 2, 2026, and substantively completed on April 24, 2026. - Refer to the Glossary of Terms section for a listing of terms used throughout this Report.

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CONSULTING PROCEDURES

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Documentation & Eligibility Testing Documentation Review – Testing Overview • At Mission Lane's direction, a judgmentally selected sample of 200 eligible credit card accounts (including up to 15 accounts reported as 'delinquent') included in the Transaction as of December 31, 2025 per the Population File was subject to testing. Mission Lane provided Loan Files and Servicing / Origination System extracts from the TSYS System for the samples selected. - The aging (or delinquency) of the selected accounts was not subject to procedures performed, except as explicitly described in the Documentation Review—Results of Procedures sub-section. • Except as explicitly described, no procedures were performed to determine the accuracy or completeness of the information contained on / in the Data Tape, the Loan Files, the TSYS System or other support information provided. Documentation Review – Results of Procedures The following procedures were performed with respect to the 200 selected eligible credit card accounts included in the Transaction as of December 31, 2025: • Credit Application ID: The Credit Application ID was not listed on the Credit Application in the Loan File and thus was not compared for the sample. • Customer State (at origination): Compared the state of residence for the accountholder (at origination) per the Credit Application in the Loan File to the applicable data field per the Data Tape. No differences were noted for 199 of the 200 samples tested. Per Management, for sample #36, the customer moved from New Jersey to New York after their application was submitted. • Account Open Date: The Credit Application in the Loan File does not list the Account Open Date and thus this attribute was not tested. • Customer Annual Income: Compared the accountholder's annual income per the Credit Application in the Loan File to the applicable data field per the Data Tape, noting no differences for 198 of the 200 samples tested. Per Management, for two samples (#'s 33 and 111) the data tape is providing the most frequently available income information making it different from the credit application annual income.

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Documentation & Eligibility Testing (2) Eligibility – Testing Overview • At Mission Lane's direction, a judgmentally selected sample of 200 eligible credit card accounts (including up to 15 accounts reported as 'delinquent') included in the Transaction as of December 31, 2025 per the Population File was subject to testing. Mission Lane provided Loan Files and Servicing / Origination System extracts from the TSYS System for the samples selected. - Certain extracts provided from the TSYS system were noted to be as of the date that the credit card accounts were pledged into the Master Trust. Eligibility – Results of Procedures The following procedures were performed with respect to the 200 selected eligible credit card accounts included in the Transaction as of December 31, 2025: • Card Network (Product Name): Compared the card network on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Status: Compared the status on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Denomination: The denomination being USD was stated by Management to not be a field within the TSYS system. Management stated that all accounts within the Company are within US dollars and the system will not allow non-US Dollar accounts. • State (current): Compared the state (current – as of December 31, 2025) on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Payment Frequency: The payment frequency being monthly was stated to not be a field within the TSYS system. Management stated that all accounts within the Company are allowed to only have a monthly payment frequency.

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Asset Level Review Asset Level Review – Testing Overview • At Mission Lane's direction, a judgmentally selected sample of 200 eligible credit card accounts (including up to 15 accounts reported as 'delinquent') included in the Transaction as of December 31, 2025 per the Population File was subject to testing. Mission Lane provided the TSYS System data extract for the samples selected. - The aging (or delinquency) of the selected accounts was not subject to procedures performed, except as explicitly described in the Asset Level Review—Results of Procedures sub-section. • Except as explicitly described, no procedures were performed to determine the accuracy or completeness of the information contained on / in the Data Tape, the TSYS System data extract or other support information provided. Asset Level Review – Results of Procedures The following procedures were performed with respect to the 200 selected eligible credit card accounts included in the Transaction as of December 31, 2025: • User ID: Compared the user ID on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Account Status: Compared the account status on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Account Age: Compared the account age on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Bill Code: Compared the bill code on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Cash Advance APR: Compared the cash advance APR on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Channel: Compared the channel on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Original Credit Limit: Compared the original credit limit on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Current Account Balance: Compared the current account balance on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Customer Age: Compared the customer age on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences.

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Asset Level Review (2) Asset Level Review – Results of Procedures (continued) • FICO Score at Origination: Compared the FICO score (at origination) on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Annual Income: Compared the customer annual income on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Account Delinquency Status: Compared the account delinquency status on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Account Principal Balance: Compared the account principal balance on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Product Name: Compared the product name (card network) on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Purchases APR: Compared the purchases APR on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences. • Risk Score: Compared the risk score on the TSYS System data extract to the applicable data field per the Data Tape, noting no differences.

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Glossary of Terms Acronym Term/Definition APR Annual Percentage Rate Client, Company or Mission Lane LLC Mission Lane DTI Debt-to-Income FICO Consumer Credit Score Issuer Mission Lane Credit Card Master Trust Collateral files provided by Mission Lane (via imaged Loan File documentation housed on Mission Lane's internal imaging repository) Population File or Electronic data file of the Portfolio provided by Mission Lane on Data Tape February 4, 2026 Eligible credit card accounts included in the Transaction as of Portfolio December 31, 2025 Scope or Scope of Scope of Services provided by Mission Lane Services Servicer Mission Lane LLC Servicing / Mission Lane's Servicing and Origination System Origination System Transaction Mission Lane Credit Card Master Trust TSYS System Third Party Credit Card Processor extract USD US Dollars 10

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