{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-24-000065","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2024-10-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.767076+00:00","generated_at":"2026-05-30T14:59:14.436206+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"confidence":"high","headline":"AmEx Sept 2024 U.S. card delinquency 1.4%, net write-off 1.9%; total loans $116.7B","bullets":["U.S. Consumer 30+ day delinquency rate 1.4% on $86.8B loans; net write-off rate 1.9% for month.","U.S. Small Business 30+ day delinquency rate 1.5% on $29.9B loans; net write-off rate 2.1%.","Three-month net write-off rates: Consumer 2.1%, Small Business 2.2%.","Lending Trust annualized default rate 1.3% for September; 30+ days delinquent $0.2B."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-24-000065","json":"https://secwatch.observer/filing/0000004962-24-000065.json","markdown":"https://secwatch.observer/filing/0000004962-24-000065.md","text":"https://secwatch.observer/filing/0000004962-24-000065.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496224000065/0000004962-24-000065-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496224000065/axp-20241015.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T14:59:14.436206+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}