{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-25-000172","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2025-09-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.120019+00:00","generated_at":"2026-05-17T06:41:21.315438+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"confidence":"high","headline":"AmEx reports stable August loan credit stats; total loans $125.5B","bullets":["U.S. Consumer net write-off rate 2.0% (unchanged from July); 30+ day delinquency 1.3%.","U.S. Small Business net write-off rate 2.7% (up from 2.6% in June); delinquency 1.6%.","U.S. Consumer total loans $94.6B; Small Business $30.9B; combined $125.5B.","Lending Trust annualized default rate 1.2% (Aug); total 30+ day delinquent $0.2B."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-25-000172","json":"https://secwatch.observer/filing/0000004962-25-000172.json","markdown":"https://secwatch.observer/filing/0000004962-25-000172.md","text":"https://secwatch.observer/filing/0000004962-25-000172.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000172/0000004962-25-000172-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000172/axp-20250915.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T06:41:21.315438+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"}