{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-25-000002","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2025-01-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.033258+00:00","generated_at":"2026-05-28T01:31:34.494196+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"AmEx reports Q4 2024 credit stats: Consumer write-off rate 2.1%, Small Business 2.3%; reclassifies $758M Lowe's loans","bullets":["Total U.S. Consumer and Small Business loans $122.2B at Dec 31, up from $120B in Nov.","U.S. Consumer net write-off rate (principal only) Q4 2024: 2.1%; Nov 2.0%, Oct 2.4%.","U.S. Small Business net write-off rate (principal only) Q4 2024: 2.3%; Nov 2.3%, Oct 2.2%.","Reclassified $758M of Lowe's small business cobrand loans to held for sale effective Dec 1, 2024.","30+ days past due steady at 1.4% (Consumer) and 1.5% (Small Business) across all months."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-25-000002","json":"https://secwatch.observer/filing/0000004962-25-000002.json","markdown":"https://secwatch.observer/filing/0000004962-25-000002.md","text":"https://secwatch.observer/filing/0000004962-25-000002.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000002/0000004962-25-000002-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000002/axp-20250115.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-28T01:31:34.494196+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"}