{"schema_version":"secwatch.filing_event.v1","accession":"0001101215-23-000214","form_type":"8-K","ticker":"BFH","cik":"0001101215","company_name":"BREAD FINANCIAL HOLDINGS, INC.","filed_at":"2023-12-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:28.223661+00:00","generated_at":"2026-06-07T13:19:23.651106+00:00","sec_items":["1.01","8.01","9.01"],"event_type":"debt","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Bread Financial upsizes senior notes offering to $600M at 9.750% due 2029","bullets":["Priced $600M senior notes (upsized from $500M) at 9.750% due March 15, 2029.","Net proceeds expected ~$592.5M after discounts; closing on Dec 22, 2023.","Proceeds to redeem $4.750% Senior Notes due 2024 and repay term loans.","Offered privately under Rule 144A/Reg S; notes not registered under Securities Act."],"urls":{"canonical":"https://secwatch.observer/filing/0001101215-23-000214","json":"https://secwatch.observer/filing/0001101215-23-000214.json","markdown":"https://secwatch.observer/filing/0001101215-23-000214.md","text":"https://secwatch.observer/filing/0001101215-23-000214.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1101215/000110121523000214/0001101215-23-000214-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1101215/000110121523000214/bfh-20231212.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-07T13:19:23.651106+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":[{"claim_id":"12653781b6550ea393925b3dcb9cd0f46f9f0309","claim":"BREAD FINANCIAL HOLDINGS, INC. entered into Purchase Agreement with J.P. Morgan Securities LLC, as representative of the several initial purchasers valued at $600,000,000 senior notes at 100% of principal amount for net proceeds of approximately $592,500,000 (effective 2023-12-12).","evidence_excerpt":"On December 12, 2023, Bread Financial Holdings, Inc. (the “Company”) and certain subsidiary guarantors named therein (the “Guarantors”) entered into a purchase agreement (the “Purchase Agreement”) with J.P. Morgan Securities LLC, as representative of the several initial purchasers named therein (collectively, the “Initial Purchasers”), under which the Company agreed to sell $600 million aggregate principal amount of senior notes (the “Notes”), in a private offering pursuant to Rule 144A and Regulation S under the Securities Act of 1933, as amended (the “Securities Act”).","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1101215/000110121523000214/0001101215-23-000214-index.htm","confidence":0.95,"family_label":"Material Agreements","details":[{"label":"Action","value":"entry"},{"label":"Agreement","value":"notes offering"},{"label":"Counterparty","value":"J.P. Morgan Securities LLC, as representative of the several initial purchasers"},{"label":"Value","value":"$600,000,000 senior notes at 100% of principal amount for net proceeds of approximately $592,500,000"},{"label":"Effective","value":"2023-12-12"}],"fact_type":"material_agreement"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}