---
schema_version: "secwatch.filing_event.v1"
accession: "0001101215-26-000081"
form_type: "8-K"
ticker: "BFH"
cik: "0001101215"
company_name: "BREAD FINANCIAL HOLDINGS, INC."
filed_at: "2026-09-08T20:32:48+00:00"
generated_at: "2026-09-08T20:34:13.636758+00:00"
event_type: "m_and_a"
sentiment: "neutral"
materiality_score: 0.5
calibrated_materiality_score: 0.5
confidence: "high"
source: SEC EDGAR
---

# Bread Financial receives regulatory approvals for bank merger, amends credit facility

## Summary
- All required regulatory approvals for Bank Merger received July 31, 2026; closing expected on/around October 1, 2026.
- Amendment No. 2 (Sept 3, 2026) to $700M revolving credit facility permits Bank Merger as covenant exception.
- Bank Merger combines Comenity Bank into Comenity Capital Bank; no significant impact expected on financials.
- Credit terms otherwise unchanged; JPMorgan Chase remains administrative agent under amended agreement.

## SEC filing metadata
- accession: 0001101215-26-000081
- form_type: 8-K
- ticker: BFH
- cik: 0001101215
- company_name: BREAD FINANCIAL HOLDINGS, INC.
- filed_at: 2026-09-08T20:32:48+00:00
- event_type: m_and_a
- sentiment: neutral
- materiality_score: 0.5
- calibrated_materiality_score: 0.5
- confidence: high
- sec_items: 1.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1101215/000110121526000081/0001101215-26-000081-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1101215/000110121526000081/bfh-20260903.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001101215-26-000081
- JSON: https://secwatch.observer/filing/0001101215-26-000081.json
- Plain text: https://secwatch.observer/filing/0001101215-26-000081.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.