{"schema_version":"secwatch.filing_event.v1","accession":"0000840489-25-000094","form_type":"8-K","ticker":"FCFS","cik":"0000840489","company_name":"FirstCash Holdings, Inc.","filed_at":"2025-07-14T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.479187+00:00","generated_at":"2026-05-18T06:51:52.972651+00:00","sec_items":["7.01","9.01"],"event_type":"litigation","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"FirstCash Settles CFPB Litigation Over Military Lending Act Violations","bullets":["Reached settlement with CFPB on July 11, 2025, regarding alleged Military Lending Act violations from a November 2021 lawsuit.","Company will offer a new pawn lending product for covered U.S. military members and their families.","Pays estimated $5M–$7M in consumer redress and a $4M fine to CFPB victims relief fund.","Financial impact of settlement to be reflected in GAAP results for Q2 2025.","CEO Rick Wessel stated company disagrees with allegations but believes settlement is best path forward."],"urls":{"canonical":"https://secwatch.observer/filing/0000840489-25-000094","json":"https://secwatch.observer/filing/0000840489-25-000094.json","markdown":"https://secwatch.observer/filing/0000840489-25-000094.md","text":"https://secwatch.observer/filing/0000840489-25-000094.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/840489/000084048925000094/0000840489-25-000094-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/840489/000084048925000094/fcfs-20250711.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud","generated_at":"2026-05-18T06:51:52.972651+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"}