{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-26-000263","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2026-06-15T16:00:39+00:00","discovered_at":"2026-06-15T16:01:00.436051+00:00","generated_at":"2026-06-15T16:01:12.956130+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 May credit data: consumer 30+ day delinquencies fall to 1.1% from 1.3% in March","bullets":["U.S. Consumer card balances $113.8B as of May 31, up from $110.8B in March; 30+ day past due % improved to 1.1% from 1.3%.","U.S. Small Business balances $46.7B (May) vs $45.2B (Mar); 30+ day past due % improved to 1.4% from 1.6%.","Net write-off rates stable: Consumer 2.0%, Small Business 2.6% (May) vs 2.0% and 2.6% (March).","Lending Trust annualized default rate 1.2% in May, steady from March; 30+ day delinquent $0.2B."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-26-000263","json":"https://secwatch.observer/filing/0000004962-26-000263.json","markdown":"https://secwatch.observer/filing/0000004962-26-000263.md","text":"https://secwatch.observer/filing/0000004962-26-000263.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000263/0000004962-26-000263-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000263/axp-20260615.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-15T16:01:12.956130+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"}