{"schema_version":"secwatch.filing_event.v1","accession":"0000004962-26-000376","form_type":"8-K","ticker":"AXP","cik":"0000004962","company_name":"AMERICAN EXPRESS CO","filed_at":"2026-10-08T20:38:48+00:00","discovered_at":"2026-10-08T20:40:00.245451+00:00","generated_at":"2026-10-12T15:25:10.252316+00:00","sec_items":["7.01"],"event_type":"regulatory","sentiment":"negative","materiality_score":0.62,"calibrated_materiality_score":0.62,"confidence":"high","headline":"Amex, AENB consent to Fed and OCC orders; bank to pay $350M civil money penalty","bullets":["On October 8, 2026, American Express and American Express Travel Related Services consented to a Federal Reserve order; American Express National Bank consented to an OCC order.","The orders resolve previously disclosed banking regulator reviews of certain aspects of the company's financial crimes compliance program.","AENB agreed to pay a $350 million civil money penalty to the OCC; a portion was reserved for in prior periods.","The consent orders impose no asset cap on the company and the penalty does not impact previously provided full-year 2026 guidance.","Costs of addressing the consent order requirements are not anticipated to affect the company's 2027 guidance."],"urls":{"canonical":"https://secwatch.observer/filing/0000004962-26-000376","json":"https://secwatch.observer/filing/0000004962-26-000376.json","markdown":"https://secwatch.observer/filing/0000004962-26-000376.md","text":"https://secwatch.observer/filing/0000004962-26-000376.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000376/0000004962-26-000376-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/4962/000000496226000376/axp-20261008.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-12T15:25:10.252316+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"}