{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-25-000259","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2025-11-17T23:59:59+00:00","discovered_at":"2026-05-14T18:02:41.844143+00:00","generated_at":"2026-05-16T19:29:49.302085+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"AmEx: Oct consumer loan net write-off rate rises to 2.2% vs 1.9% in Sep","bullets":["U.S. Consumer total loans $95.2B; 30+ days past due 1.4% (unchanged from Sep).","Consumer net write-off rate (principal only) 2.2% in Oct vs 1.9% in Sep and 2.0% in Aug.","U.S. Small Business total loans $31.2B; 30+ days past due 1.6%, net write-off rate 2.6% (vs 2.5% in Sep).","Lending Trust: annualized default rate net of recoveries 1.3% (Oct/Sep) vs 1.2% (Aug).","Total U.S. Consumer & Small Business loans held for investment $126.4B as of Oct 31."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-25-000259","json":"https://secwatch.observer/filing/0000004962-25-000259.json","markdown":"https://secwatch.observer/filing/0000004962-25-000259.md","text":"https://secwatch.observer/filing/0000004962-25-000259.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000259/0000004962-25-000259-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496225000259/axp-20251117.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T19:29:49.302085+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"}