{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-25-000078","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2025-07-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.118912+00:00","generated_at":"2026-05-18T06:34:02.107113+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"confidence":"high","headline":"American Express reports June 2025 credit stats; $1.6B Amazon cobrand loans reclassified to held for sale","bullets":["U.S. Consumer loans $92.6B; 30+ day past due 1.3%; net write-off rate 2.1% (principal only).","U.S. Small Business loans $30.1B; 30+ day past due 1.6%; net write-off rate 2.6% (principal only).","$1.6B of Amazon small business cobrand loans reclassified to held for sale effective June 1, 2025.","Lending Trust annualized default rate stable at 1.3% for June with $25.3B ending balance.","Total Card Member loans held for investment $122.7B, down from $124.0B in May due to reclassification."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-25-000078","json":"https://secwatch.observer/filing/0000004962-25-000078.json","markdown":"https://secwatch.observer/filing/0000004962-25-000078.md","text":"https://secwatch.observer/filing/0000004962-25-000078.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000078/0000004962-25-000078-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000078/axp-20250715.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T06:34:02.107113+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"}