{"schema_version":"secwatch.filing_event.v1","accession":"0000885550-26-000192","form_type":"8-K","ticker":"CACC","cik":"0000885550","company_name":"CREDIT ACCEPTANCE CORP","filed_at":"2026-09-18T21:29:13+00:00","discovered_at":"2026-09-18T21:30:00.440293+00:00","generated_at":"2026-09-18T21:30:09.980111+00:00","sec_items":["1.01","7.01","9.01"],"event_type":"litigation","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Credit Acceptance settles multistate AG investigation for $75.5M cash and $634M debt relief","bullets":["Pays $15.5M to attorneys general and $60M to consumer relief fund; no admission of wrongdoing.","Waives ~$634M in outstanding balances for certain customers with open accounts as of Dec 1, 2025.","No additional charges beyond amounts previously accrued and disclosed in financial statements.","Five-year compliance requirements: consumer disclosures, affordability protections, dealer oversight, non-use of starter interruption devices.","Settlements subject to court approval; resolves 2023 NY AG lawsuit and multistate investigation."],"urls":{"canonical":"https://secwatch.observer/filing/0000885550-26-000192","json":"https://secwatch.observer/filing/0000885550-26-000192.json","markdown":"https://secwatch.observer/filing/0000885550-26-000192.md","text":"https://secwatch.observer/filing/0000885550-26-000192.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/885550/000088555026000192/0000885550-26-000192-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/885550/000088555026000192/cacc-20260917.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-09-18T21:30:09.980111+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"}