{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-26-000148","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2026-04-15T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.606630+00:00","generated_at":"2026-05-15T06:13:25.100972+00:00","sec_items":["7.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"confidence":"high","headline":"AmEx reports Q1 2026 US consumer loan net write-off rate 2.0%; small business 2.8%","bullets":["Consumer loans 30+ days past due stable at 1.4% for three months ended March 31.","Consumer net write-off rate (principal only) 2.2% in March vs 2.0% in Feb and 1.9% in Jan.","Small business net write-off rate 2.9% in March (2.8% for Q1); past due 1.7%.","Total US consumer and small business loans $129.7B at March 31, up from $126.4B at Feb 28.","Lending Trust annualized default rate 1.2% in March (vs 1.3% Feb, 1.1% Jan)."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-26-000148","json":"https://secwatch.observer/filing/0000004962-26-000148.json","markdown":"https://secwatch.observer/filing/0000004962-26-000148.md","text":"https://secwatch.observer/filing/0000004962-26-000148.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000148/0000004962-26-000148-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000148/axp-20260415.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T06:13:25.100972+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"}