{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-25-039035","form_type":"8-K","ticker":"VRM","cik":"0001580864","company_name":"Vroom, Inc.","filed_at":"2025-03-14T23:59:59+00:00","discovered_at":"2026-05-14T18:03:04.065967+00:00","generated_at":"2026-05-24T18:17:27.274382+00:00","sec_items":["1.01","2.03"],"event_type":"debt","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Vroom subsidiary UACC closes $324M auto loan ABS transaction","bullets":["UACC sold $382M subprime auto receivables to trust; trust issued $324M in notes across 5 classes (4.80%-7.71%).","12% of receivables came from affiliate Vroom Automotive, LLC.","UACC retains at least 5% of each note class for risk retention under Regulation RR.","UACC will service the receivables for a monthly fee equal to 3.25% of aggregate principal balance.","Events of default include payment failure, breach, or bankruptcy; indenture trustee may accelerate notes."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-25-039035","json":"https://secwatch.observer/filing/0000950170-25-039035.json","markdown":"https://secwatch.observer/filing/0000950170-25-039035.md","text":"https://secwatch.observer/filing/0000950170-25-039035.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1580864/000095017025039035/0000950170-25-039035-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1580864/000095017025039035/vrm-20250313.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T18:17:27.274382+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"}