{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-26-000353","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2026-09-15T11:35:25+00:00","discovered_at":"2026-09-15T11:40:00.745185+00:00","generated_at":"2026-09-15T11:40:17.159837+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 reports August credit stats: consumer write-off 1.7%, small business 2.2%; balances flat","bullets":["U.S. Consumer card balances $114.2B at Aug 31; 30+ days past due 1.1%; net write-off rate 1.7% (unchanged from July).","U.S. Small Business balances $46.1B; 30+ days past due 1.3%; net write-off rate 2.2%, down from 2.6% in July.","June 2026 sale of previously written-off balances cut net write-off rates by ~0.3% (consumer) and ~0.1% (small business) for that month.","Total held-for-investment balances $160.3B at Aug 31, up from $159.2B at July 31; Lending Trust default rate 1.0% in August."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-26-000353","json":"https://secwatch.observer/filing/0000004962-26-000353.json","markdown":"https://secwatch.observer/filing/0000004962-26-000353.md","text":"https://secwatch.observer/filing/0000004962-26-000353.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000353/0000004962-26-000353-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000353/axp-20260915.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-09-15T11:40:17.159837+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"}