{"schema_version":"secwatch.filing_event.v1","accession":"0000811830-23-000020","form_type":"8-K","ticker":"SNUS-PI","cik":"0000811830","company_name":"Santander Holdings USA, Inc.","filed_at":"2023-06-30T23:59:59+00:00","discovered_at":"2026-05-14T18:03:42.331708+00:00","generated_at":"2026-06-13T14:29:17.248042+00:00","sec_items":["8.01","9.01"],"event_type":"regulatory","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"SHUSA stress capital buffer set at 2.5%, overall CET1 requirement 7.0%","bullets":["SCB of 2.5% CET1, effective Oct 1, 2023; lowest possible under Federal Reserve rules.","Overall CET1 capital requirement becomes 7.0%.","As Category IV firm, SHUSA not subject to CCAR; stress results not publicly released.","Internal stress tests show strong capital under rising-rate and used car/commercial real estate shock scenarios.","Historically top quartile among CCAR firms for minimum CET1 and decline from starting CET1."],"urls":{"canonical":"https://secwatch.observer/filing/0000811830-23-000020","json":"https://secwatch.observer/filing/0000811830-23-000020.json","markdown":"https://secwatch.observer/filing/0000811830-23-000020.md","text":"https://secwatch.observer/filing/0000811830-23-000020.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/811830/000081183023000020/0000811830-23-000020-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/811830/000081183023000020/sov-20230628.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T14:29:17.248042+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"}