ALTISOURCE PORTFOLIO SOLUTIONS S.A.

Except as set forth below, there have been no material changes to the risk factors previously disclosed in Part I, Item 1A, of our Form 10-K for the year ended December 31, 2025 filed with the SEC on March 4, 2026, as supplemented by Part II, Item 1A, of our Quarterly Report on Form 10-Q for the quarter ended June 30, 2026, filed with the SEC on July 23, 2026. Capitalized terms used but not defined in this section have the meanings given to them in those filings.

Changes in credit scoring models, industry or regulatory requirements, customer preferences or available technologies may reduce demand or prices for certain products we offer, which could adversely affect our revenues and operating results.

Demand for the credit, verification, data, technology and other products and services we provide in connection with single-family residential mortgage loans may be affected by changes in credit scoring models, underwriting standards, customer preferences, reporting practices, technologies, or industry, GSE or regulatory requirements. For example, GSEs now permit lenders to use VantageScore® 4.0 as an alternative to the Classic FICO® credit score for eligible loans, and additional changes to credit scoring models or the number of credit reports required to originate single-family residential loans may occur . These and similar changes may reduce demand or prices for certain of our products or data, alter the types or frequency of verifications or reports customers require, cause customers to choose alternative solutions or to modify their purchasing decisions, any of which could result in reduced revenues, lower profitability, customer attrition, pricing pressure and reduced competitiveness. Any of these events could have a material adverse effect on our business, financial condition and results of operations.