{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-26-000121","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2026-03-16T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.429413+00:00","generated_at":"2026-05-15T12:08:58.216777+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 Feb credit data: Consumer 30+ day delinquency edges up to 1.4%; small business write-off rate 2.8%","bullets":["U.S. Consumer total loans $95.1B (Feb), down from $100.2B (Dec); 30+ day delinquency 1.4% vs 1.3% in Dec.","U.S. Small Business 30+ day delinquency steady at 1.7%; net write-off rate principal-only 2.8% (Dec: 2.7%).","Lending Trust annualized default rate Feb 1.3% up from 1.1% in Jan; defaulted amount $0.04B.","Total card loans held for investment $126.4B (Feb) vs $131.0B (Dec), decline of $4.6B."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-26-000121","json":"https://secwatch.observer/filing/0000004962-26-000121.json","markdown":"https://secwatch.observer/filing/0000004962-26-000121.md","text":"https://secwatch.observer/filing/0000004962-26-000121.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000121/0000004962-26-000121-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000121/axp-20260316.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T12:08:58.216777+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"}